# EDGAR Filing Document

**Accession Number:** 0002092965
**File Stem:** 0001213900-25-112100
**Filing Date:** 2025-11
**Character Count:** 7876161
**Document Hash:** b98cf623e335cfbd81246d260a6f161e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-112100.hdr.sgml**: 20251118

**ACCESSION NUMBER**: 0001213900-25-112100

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

**PUBLIC DOCUMENT COUNT**: 66

**CONFORMED PERIOD OF REPORT**: 20251118

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

**FILED AS OF DATE**: 20251118

**DATE AS OF CHANGE**: 20251118

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-RCF6, LLC
- **CENTRAL INDEX KEY:** 0002092965

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08113
- **FILM NUMBER:** 251494687

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-RCF6, LLC
- **CENTRAL INDEX KEY:** 0002092965

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-RCF6, LLC
- **CENTRAL INDEX KEY:** 0002092965

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251

OMB Number: 3235-0675

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

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>PRP DEPOSITOR 2025-RCF6, LLC</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0002092965</u>

PRPM 2025-RCF6, LLC

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

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

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

Jim Barrons, (602) 802-8305

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

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

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

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

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | PRP DEPOSITOR 2025-RCF6, LLC | PRP DEPOSITOR 2025-RCF6, LLC |
| Date: November 18, 2025 | By: | /s/ Jeff Padden |
|  | Name: | Jeff Padden |
|  | Title: | General Counsel |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Diligence, LLC Narrative](ea026614001_ex99-1.htm)

[Schedule 1 – Data Compare Report](ea026614001_ex99-1sch1.htm)

[Schedule 2 – Exception Grades Report](ea026614001_ex99-1sch2.htm)

[Schedule 3 – Rating Agency Grades Report](ea026614001_ex99-1sch3.htm)

[Schedule 4 – Valuation Summary](ea026614001_ex99-1sch4.htm)

[99.2 - Third Party Due Diligence Report - Consolidated Analytics, Inc. Narrative](ea026614001_ex99-2.htm)

[Schedule 1 – Data Compare Report](ea026614001_ex99-2sch1.htm)

[Schedule 2 – Due Diligence Report](ea026614001_ex99-2sch2.htm)

[Schedule 3 – Grading Summary Report](ea026614001_ex99-2sch3.htm)

[Schedule 4 – Valuations Summary Report](ea026614001_ex99-2sch4.htm)

[99.3 - Third Party Due Diligence Report – Canopy Financial Technology Partners LLC Diligence Narrative](ea026614001_ex99-3.htm)

[Schedule 1 – ATR QM Report](ea026614001_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](ea026614001_ex99-3sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea026614001_ex99-3sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea026614001_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](ea026614001_ex99-3sch5.htm)

[99.4 - Third Party Due Diligence Report – Clayton Services LLC Diligence Narrative](ea026614001_ex99-4.htm)

[Schedule 1 – Conditions Detail](ea026614001_ex99-4sch1.htm)

[Schedule 2 – Loan Grades](ea026614001_ex99-4sch2.htm)

[Schedule 3 – Non ATR QM](ea026614001_ex99-4sch3.htm)

[Schedule 4 – Standard Upload](ea026614001_ex99-4sch4.htm)

[Schedule 5 – Valuation Report](ea026614001_ex99-4sch5.htm)

[Schedule 6 – Waived Conditions](ea026614001_ex99-4sch6.htm)

[Schedule 7 – Rating Agency ATR QM Report](ea026614001_ex99-4sch7.htm)

[99.5 - Third Party Due Diligence Report – Infinity IPS, Inc. Narrative](ea026614001_ex99-5.htm)

[Schedule 1 – Data Compare Report](ea026614001_ex99-5sch1.htm)

[Schedule 2 – Delinquent Tax, HOA and Muni Lien Report](ea026614001_ex99-5sch2.htm)

[Schedule 3 – Disposition and Comments Report](ea026614001_ex99-5sch3.htm)

[Schedule 4 – Finding Details Report](ea026614001_ex99-5sch4.htm)

[Schedule 5 – Pay History Report](ea026614001_ex99-5sch5.htm)

[Schedule 6 – RA Grades Report](ea026614001_ex99-5sch6.htm)

[99.6 - Third Party Due Diligence Report – OneDiligence, LLC Narrative](ea026614001_ex99-6.htm)

[Schedule 1 – Delinquent Tax Report](ea026614001_ex99-6sch1.htm)

[Schedule 2 – Securitization Report](ea026614001_ex99-6sch2.htm)

[99.7 - Third Party Due Diligence Report – Opus Capital Markets Consultants, LLC Narrative](ea026614001_ex99-7.htm)

[Schedule 1 – ATR QM Report](ea026614001_ex99-7sch1.htm)

[Schedule 2 – Data Compare Report](ea026614001_ex99-7sch2.htm)

[Schedule 3 – RA Grades Summary Report](ea026614001_ex99-7sch3.htm)

[Schedule 4 – Standard Findings Report](ea026614001_ex99-7sch4.htm)

[Schedule 5 – Valuation Report](ea026614001_ex99-7sch5.htm)

[99.8 - Third Party Due Diligence Report – Selene Diligence LLC Narrative](ea026614001_ex99-8.htm)

[Schedule 1 – Data Compare Report](ea026614001_ex99-8sch1.htm)

[Schedule 2 – RA Grades Summary Report](ea026614001_ex99-8sch2.htm)

[Schedule 3 – Standard Findings Report](ea026614001_ex99-8sch3.htm)

[Schedule 4 – Valuation Report](ea026614001_ex99-8sch4.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by BM-SC, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from September 2004 through August 2024 via files imaged and provided by the Client's designee for review.

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

The initial population consisted of 41 mortgage loans.

The mortgage loan review sample was broken down into the following review scopes:

\* "Credit and Compliance Review": 33 mortgage loans <br> \* "Compliance Only Review": 3 mortgage loan <br> \* "Business Purpose and Limited Compliance Review": 5 mortgage loan

The final population of the Review covered 41 mortgage loans totaling an aggregate original principal balance of approximately $13.779 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Flood Certificate/Order Number | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Interest Rate Initial Maximum | &nbsp;&nbsp;PMI Company |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;PMI Coverage % |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Lender | &nbsp;&nbsp;PMI MI Certificate Number |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |  |

---

1 \| Page

![](ex99-1_001.jpg)

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

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

**<u>CREDIT REVIEW</u>**

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

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

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

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

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

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

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

2 \| Page

![](ex99-1_001.jpg)

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

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

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

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

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

**<u>DATA COLLECTION</u>**

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

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

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

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

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

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

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

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

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

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

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

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

3 \| Page

![](ex99-1_001.jpg)

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

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

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

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

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

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

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

---

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

---

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

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

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

4 \| Page

![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

**(XI) FIRREA Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XIII) Document Review**

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

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

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

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

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

Includes Business Review Scope with additional limited compliance review below.

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

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

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

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

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

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

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

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

**(9) Disclaimer**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were forty-one (41) loans in the securitization population reviewed by AMC. After all documents were presented, under DBRS and Fitch NRSRO grading criteria six (6) (14.63%) of loans had an Overall grade of "A", twenty-nine (29) (70.73%) of the loans generated an Overall grade of "B", two (2) (4.88%) of loans had an Overall grade of "C", and four (4) (9.76%) of loans had and an Overall grade of "D".

---

| | | |
|:---|:---|:---|
| **DBRS and Fitch Overall Loan Grades** | **DBRS and Fitch Overall Loan Grades** | **DBRS and Fitch Overall Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 6 | 14.63% |
| B | 29 | 70.73% |
| C | 2 | 4.88% |
| D | 4 | 9.76% |
| **Total** | **41** | **100.00%** |

---

**CREDIT RESULTS SUMMARY**

Three (3) loans were reviewed to a Compliance Only Scope and therefore not included in the credit results summary. Thirty-eight (38) loans were reviewed in the credit review scope. Twenty-one (21) (55.26%) loans reviewed received an "A" Credit grade, fourteen (14) (36.84%) loans reviewed received a "B" Credit grade, and three (3) (7.89%) loans reviewed received a "C" Credit grade.

---

| | | |
|:---|:---|:---|
| **DBRS and Fitch Credit Loan Grades** | **DBRS and Fitch Credit Loan Grades** | **DBRS and Fitch Credit Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 21 | 55.26% |
| B | 14 | 36.84% |
| C | 3 | 7.89% |
| D | 0 | 0.00% |
| **Total** | **38** | **100.00%** |

---

12 \| Page

![](ex99-1_001.jpg)

**COMPLIANCE RESULTS SUMMARY**

After all documents were presented, under DBRS and Fitch NRSRO grading criteria six (6) (14.63%) loans had a Compliance review grade of "A", thirty-two (32) (78.05%) loans had a Compliance review grade of "B", two (2) (4.88%) loans had a Compliance grade of "C", and one (1) (2.44%) had a Compliance review grade of "D".

---

| | | |
|:---|:---|:---|
| **DBRS and Fitch Compliance Loan Grades** | **DBRS and Fitch Compliance Loan Grades** | **DBRS and Fitch Compliance Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 6 | 14.63% |
| B | 32 | 78.05% |
| C | 2 | 4.88% |
| D | 1 | 2.44% |
| **Total** | **41** | **100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Three (3) loans were reviewed to a Compliance Only Scope and therefore not included in the property results summary. After all documents were presented, under DBRS and Fitch NRSRO grading criteria thirty-four (34) (89.47%) loans had a Property/Valuation grade of "A", one (1) (2.63%) loan had a Property/Valuation grade of "C", and three (3) (7.89%) loans had a Property grade of "D".

---

| | | |
|:---|:---|:---|
| **DBRS and Fitch Property Loan Grades** | **DBRS and Fitch Property Loan Grades** | **DBRS and Fitch Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 34 | 89.47% |
| B | 0 | 0.00% |
| C | 1 | 2.63% |
| D | 3 | 7.89% |
| **Total** | **38** | **100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the forty-one (41) loans reviewed, forty (40) unique loans had one hundred fifty-three (153) different tape discrepancies across thirty-eight (38) data fields (some Loans had more than one data delta). The most variances were found on PITIA Reserves Months, Escrow Account and Product Description.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | **Loans With <br> Discrepancy** | **Total Times <br> Compared** | **%**<br> **Variance** | **# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | 0 | 11 | 0.00% | 41 |
| &nbsp;&nbsp;Amortization Term | 1 | 5 | 20.00% | 41 |
| &nbsp;&nbsp;Amortization Type | 1 | 3 | 33.33% | 41 |
| &nbsp;&nbsp;Appraised Value | 1 | 3 | 33.33% | 41 |
| &nbsp;&nbsp;Balloon Flag | 0 | 27 | 0.00% | 41 |
| &nbsp;&nbsp;Borrower First Name | 1 | 38 | 2.63% | 41 |
| &nbsp;&nbsp;Borrower Last Name | 4 | 39 | 10.26% | 41 |

---

13 \| Page

![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | **Loans With <br> Discrepancy** | **Total Times <br> Compared** | **%**<br> **Variance** | **# Of<br> Loans** |
| &nbsp;&nbsp;Borrower Middle Name | 1 | 5 | 20.00% | 41 |
| &nbsp;&nbsp;Borrower SSN | 2 | 28 | 7.14% | 41 |
| &nbsp;&nbsp;City | 0 | 38 | 0.00% | 41 |
| &nbsp;&nbsp;Coborrower First Name | 0 | 4 | 0.00% | 41 |
| &nbsp;&nbsp;Coborrower Last Name | 0 | 4 | 0.00% | 41 |
| &nbsp;&nbsp;Coborrower Middle Name | 1 | 1 | 100.00% | 41 |
| &nbsp;&nbsp;Coborrower SSN | 1 | 2 | 50.00% | 41 |
| &nbsp;&nbsp;Contract Sales Price | 5 | 11 | 45.45% | 41 |
| &nbsp;&nbsp;Doc Type | 12 | 23 | 52.17% | 41 |
| &nbsp;&nbsp;Escrow Account | 20 | 25 | 80.00% | 41 |
| &nbsp;&nbsp;First Payment Date | 0 | 16 | 0.00% | 41 |
| &nbsp;&nbsp;Flood Certificate/Order Number | 0 | 1 | 0.00% | 41 |
| &nbsp;&nbsp;Has FTHB | 5 | 25 | 20.00% | 41 |
| &nbsp;&nbsp;Index Type | 1 | 1 | 100.00% | 41 |
| &nbsp;&nbsp;Interest Only | 1 | 3 | 33.33% | 41 |
| &nbsp;&nbsp;Interest Rate Initial Maximum | 1 | 1 | 100.00% | 41 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | 3 | 28 | 10.71% | 41 |
| &nbsp;&nbsp;Lender | 6 | 25 | 24.00% | 41 |
| &nbsp;&nbsp;Lien Position | 0 | 8 | 0.00% | 41 |
| &nbsp;&nbsp;LTV Valuation Value | 0 | 9 | 0.00% | 41 |
| &nbsp;&nbsp;Margin | 2 | 3 | 66.67% | 41 |
| &nbsp;&nbsp;Maturity Date | 5 | 13 | 38.46% | 41 |
| &nbsp;&nbsp;MERS Min Number | 1 | 3 | 33.33% | 41 |
| &nbsp;&nbsp;Mortgage Type | 0 | 1 | 0.00% | 41 |
| &nbsp;&nbsp;Note Date | 0 | 13 | 0.00% | 41 |
| &nbsp;&nbsp;Occupancy | 0 | 40 | 0.00% | 41 |
| &nbsp;&nbsp;Original CLTV | 1 | 30 | 3.33% | 41 |
| &nbsp;&nbsp;Original Interest Rate | 3 | 31 | 9.68% | 41 |
| &nbsp;&nbsp;Original Loan Amount | 2 | 36 | 5.56% | 41 |
| &nbsp;&nbsp;Original LTV | 1 | 32 | 3.13% | 41 |
| &nbsp;&nbsp;Original P&I | 3 | 5 | 60.00% | 41 |
| &nbsp;&nbsp;Original Term | 2 | 14 | 14.29% | 41 |
| &nbsp;&nbsp;PITIA Reserves Months | 25 | 25 | 100.00% | 41 |
| &nbsp;&nbsp;PMI Company | 2 | 2 | 100.00% | 41 |
| &nbsp;&nbsp;PMI Coverage % | 2 | 3 | 66.67% | 41 |
| &nbsp;&nbsp;PMI MI Certificate Number | 1 | 1 | 100.00% | 41 |
| &nbsp;&nbsp;Prepayment Penalty | 0 | 1 | 0.00% | 41 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | 5 | 25 | 20.00% | 41 |
| &nbsp;&nbsp;Product Description | 15 | 25 | 60.00% | 41 |
| &nbsp;&nbsp;Property Type | 7 | 41 | 17.07% | 41 |
| &nbsp;&nbsp;Purpose | 1 | 40 | 2.50% | 41 |
| &nbsp;&nbsp;Refi Purpose | 4 | 16 | 25.00% | 41 |
| &nbsp;&nbsp;Representative FICO | 0 | 30 | 0.00% | 41 |
| &nbsp;&nbsp;State | 0 | 38 | 0.00% | 41 |
| &nbsp;&nbsp;Street | 3 | 38 | 7.89% | 41 |
| &nbsp;&nbsp;Zip | 1 | 38 | 2.63% | 41 |
| &nbsp;&nbsp;**Total** | **153** | **928** | **16.49%** | **41** |

---

14 \| Page

![](ex99-1_001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | 40 | 97.56% | $13427860.00 | 97.45% |
| &nbsp;&nbsp;Adjustable | 1 | 2.44% | $351000.00 | 2.55% |
| &nbsp;&nbsp;**Total** | **41** | **100.00%** | **$13778860.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | 41 | 100.00% | $13778860.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **41** | **100.00%** | **$13778860.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | 2 | 4.88% | $322325.00 | 2.34% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | 1 | 2.44% | $114400.00 | 0.83% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | 10 | 24.39% | $1901950.00 | 13.80% |
| &nbsp;&nbsp;Limited Cash-Out | 1 | 2.44% | $695750.00 | 5.05% |
| &nbsp;&nbsp;First Time Home Purchase | 8 | 19.51% | $3016617.00 | 21.89% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | 17 | 41.46% | $7299688.00 | 52.98% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | 2 | 4.88% | $428130.00 | 3.11% |
| &nbsp;&nbsp;**Total** | **41** | **100.00%** | **$13778860.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | 41 | 100.00% | $13778860.00 | 100.00% |
| &nbsp;&nbsp;**Total** | **41** | **100.00%** | **$13778860.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | 26 | 63.41% | $7177301.00 | 52.09% |
| &nbsp;&nbsp;Co-op | 1 | 2.44% | $675000.00 | 4.90% |
| &nbsp;&nbsp;Condo, Low Rise | 2 | 4.88% | $464000.00 | 3.37% |
| &nbsp;&nbsp;PUD | 7 | 17.07% | $3416734.00 | 24.80% |
| &nbsp;&nbsp;2 Family | 1 | 2.44% | $1180000.00 | 8.56% |
| &nbsp;&nbsp;3 Family | 1 | 2.44% | $192500.00 | 1.40% |
| &nbsp;&nbsp;Unavailable | 3 | 7.32% | $673325.00 | 4.89% |
| &nbsp;&nbsp;**Total** | **41** | **100.00%** | **$13778860.00** | **100.00%** |

---

15 \| Page

![](ex99-1_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | 33 | 80.49% | $12508210.00 | 90.78% |
| &nbsp;&nbsp;Investment | 5 | 12.20% | $491650.00 | 3.57% |
| &nbsp;&nbsp;Second Home | 2 | 4.88% | $428000.00 | 3.11% |
| &nbsp;&nbsp;Unknown | 1 | 2.44% | $351000.00 | 2.55% |
| &nbsp;&nbsp;**Total** | **41** | **100.00%** | **$13778860.00** | **100.00%** |

---

16 \| Page

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| |
|:---|
| ![](ex99-1sch1_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 11/15/2025 8:05:53 AM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 222613202 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 222613202 | xx | xx | xx | xx | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 222613202 | xx | xx | xx | xx | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 222613204 | xx | xx | xx | xx | Original Interest Rate | 9.125 | 8.5 | Verified | Field Value reflects the Note value |
| 222613204 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222613204 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 222613204 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 222613204 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613204 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613221 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222613221 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 222613221 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613229 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222613229 | xx | xx | xx | xx | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| 222613229 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613229 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613237 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222613237 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 222613237 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613255 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222613255 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613255 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613257 | xx | xx | xx | xx | Original Interest Rate | 11 | 10.375 | Verified | Field Value reflects the Note value |
| 222613257 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222613257 | xx | xx | xx | xx | Original CLTV | 85 | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 222613257 | xx | xx | xx | xx | Original LTV | 85 | 90 | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |
| 222613257 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222613257 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 222613257 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 222613257 | xx | xx | xx | xx | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| 222613257 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613257 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613259 | xx | xx | xx | xx | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222613259 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222613259 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 222613259 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 222613259 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613259 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613266 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222613266 | xx | xx | xx | xx | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| 222613266 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613266 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613275 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222613275 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 222613275 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222613275 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 222613275 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 222613275 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613275 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613307 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 222613307 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613307 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613309 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 222613309 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 222613309 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 222613309 | xx | xx | xx | xx | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| 222613309 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613309 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613311 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 222613311 | xx | xx | xx | xx | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| 222613311 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613311 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613317 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 222613317 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613317 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613322 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613322 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 222613420 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 222613420 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223055918 | xx | xx | xx | xx | Appraised Value | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223056058 | xx | xx | xx | xx | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223056058 | xx | xx | xx | xx | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223056144 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223056203 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223056203 | xx | xx | xx | xx | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223056244 | xx | xx | xx | xx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223056244 | xx | xx | xx | xx | Contract Sales Price | [redacted] | [redacted] | Verified | Subject transaction is Limited cash-out and not a Purchase transaction. |
| 223056244 | xx | xx | xx | xx | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223056244 | xx | xx | xx | xx | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223056244 | xx | xx | xx | xx | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792588 | xx | xx | xx | xx | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223792588 | xx | xx | xx | xx | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792605 | xx | xx | xx | xx | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792605 | xx | xx | xx | xx | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| 223792615 | xx | xx | xx | xx | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223792615 | xx | xx | xx | xx | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223792615 | xx | xx | xx | xx | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792615 | xx | xx | xx | xx | PMI Coverage % | 0 | 25 | Verified | Field value reflects source document |
| 223792638 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223792638 | xx | xx | xx | xx | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223792638 | xx | xx | xx | xx | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223792712 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223792712 | xx | xx | xx | xx | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223792712 | xx | xx | xx | xx | Property Type | Single Family | UTD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223792712 | xx | xx | xx | xx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 223792712 | xx | xx | xx | xx | Index Type |  | LIBOR - 6 Month (Daily) | Verified | Field Value reflects 'Index Type' per the Note |
| 223792712 | xx | xx | xx | xx | Margin | 0 | 6.15 | Verified | Field Value reflects 'Margin' per the Note |
| 223792712 | xx | xx | xx | xx | Interest Rate Initial Maximum | 0 | 9.4 | Verified | Field Value reflects 'Interest Rate Initial Maximum' per the Note |
| 223812567 | xx | xx | xx | xx | Borrower First Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223812567 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812567 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223812567 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812567 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223812569 | xx | xx | xx | xx | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223812569 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812569 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223812575 | xx | xx | xx | xx | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223812575 | xx | xx | xx | xx | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223812575 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812575 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | NA |
| 223812575 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223812587 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223812587 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812587 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223812591 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812591 | xx | xx | xx | xx | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223812591 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812591 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223812593 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812593 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812593 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223812598 | xx | xx | xx | xx | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223812598 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223812600 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812600 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812600 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223812604 | xx | xx | xx | xx | Original Interest Rate | 8.25 | 7.75 | Verified | Field Value reflects the Note value |
| 223812604 | xx | xx | xx | xx | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223812604 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812604 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223812608 | xx | xx | xx | xx | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223812608 | xx | xx | xx | xx | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| 223812608 | xx | xx | xx | xx | PITIA Reserves Months | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223813810 | xx | xx | xx | xx | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813810 | xx | xx | xx | xx | Original Loan Amount | 80595.00 | 80595.50 | Verified | Field Value reflects the Note value |
| 223813810 | xx | xx | xx | xx | Original Term | 256 | 360 | Verified | Field Value reflects the Note value |
| 223813810 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223813810 | xx | xx | xx | xx | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 223813810 | xx | xx | xx | xx | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223813810 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223813837 | xx | xx | xx | xx | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223813837 | xx | xx | xx | xx | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 223813837 | xx | xx | xx | xx | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223813837 | xx | xx | xx | xx | PMI MI Certificate Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 224424755 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224424755 | xx | xx | xx | xx | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 224424755 | xx | xx | xx | xx | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 224439485 | xx | xx | xx | xx | Original Loan Amount | 241729.00 | 241729.50 | Verified | Field Value reflects the Note value |
| 224439485 | xx | xx | xx | xx | Original Term | 433 | 360 | Verified | Field Value reflects the Note value |
| 224439485 | xx | xx | xx | xx | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 224439485 | xx | xx | xx | xx | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 224439485 | xx | xx | xx | xx | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 224439485 | xx | xx | xx | xx | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

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| |
|:---|
| ![](ex99-1sch2_002.jpg) |
| **Exception Grades** |
| **Run Date - 11/15/2025 8:04:28 AM** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 222613204 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. | Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area. | Client elects to waive. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]. | SitusAMC,Aggregator | Reviewer Comment (2022-11-09): Client elects to waive. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] |  |  | 11/09/2022 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 222613204 | xx | xx | xx | xx |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-11-09): Client elects to waive. |  |  | 11/09/2022 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 222613204 | xx | xx | xx | xx |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-11-17): CDA supporting value received | 11/17/2022 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 222613204 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted]- [redacted]% Points and Fees | [redacted] [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). |  |  |  | Reviewer Comment (2022-11-17): Client elects to waive.<br>Reviewer Comment (2022-11-08): Client to review |  |  | 11/17/2022 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |

| 222613204 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]is less than amount of binding Lender Credit previously disclosed in the amount of $-[redacted]. | Loan origination was not disclosed on LE but disclosed on Final Closing Disclosure as $[redacted]. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made |  |  |  | Reviewer Comment (2023-01-09): [redacted] received additional information on changed circumstance<br>Seller Comment (2023-01-05): There was an additional COC on [redacted] to increase the loan amount from $[redacted]to $[redacted]which caused the LTV and CLTV to increase from [redacted]% to [redacted]% which caused the Final Price (Not Including Compensation) to change from a charge of $[redacted]to a charge of $[redacted], an increase of $[redacted]. See attached [redacted] COC and [redacted] Lock Confirmation. Thus, this is the reason for the $[redacted]increase in Section A total Origination Charges from the initial [redacted]CD to the[redacted] CD.<br>Reviewer Comment (2022-12-15): [redacted] eceived rebuttal that borrower chose change in compensation plan for lower discount points. However, the total costs in Section A have increased. Though discount was reduced from $[redacted]to $[redacted], the Origination Fee is now being paid by borrower which previously was paid by lender of $[redacted]. Section A total on [redacted] CD $[redacted]and $[redacted]on [redacted]CD. The change in lender compensation worsened for borrower. Provide additional information that supports the increase in lender costs borrower is paying to support this pricing change.<br>Seller Comment (2022-12-13): Borrower chose to change the compensation plan to reduce the discount points - from $[redacted]to $[redacted].<br>Reviewer Comment (2022-11-16): [redacted] received [redacted] Changed of Circumstances Request reflecting reason as Compensation Plan from Lender Paid to Borrower Paid. Typically borrower will not opt for worse pricing and change in compensation for higher paid costs. Overall section A costs increased to borrower. Provide additional information to support a valid reason for compensation change and borrower worse pricing or cure is due.<br>Seller Comment (2022-11-14): CofC<br>Seller Comment (2022-11-14): See attached CofC<br>Reviewer Comment (2022-11-11): Initial CD dated [redacted] reflects $[redacted]lender credit for Origination fee to [redacted] Mortgage. The [redacted] CD then changed the fee to borrower paid of $[redacted] Fee later reduced to $[redacted] paid by borrower. No valid changed circumstance in file to support adding fee to be paid by borrower on[redacted] CD. The LE in filed dated [redacted] was locked and no Origination fee was showing to be paid by borrower. Provide valid changed circumstance or cure is due borrower.<br>Seller Comment (2022-11-09): Please re-review. Lender credits were never present on this loan. | 01/09/2023 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222613204 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan origination was not disclosed on LE but disclosed on Final Closing Disclosure as $[redacted]. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made |  |  |  | Reviewer Comment (2022-11-11): [redacted] Received COC dated [redacted] with a valid reason for change.<br>Seller Comment (2022-11-10): CofC<br>Seller Comment (2022-11-10): See attached CofC. Switching to borrower-paid reduces the need to charge discount points because the borrower is paying the compensation directly.<br>Reviewer Comment (2022-11-10): [redacted] received Revised CD dated [redacted] along with Changed Circumstance dated [redacted], but it does not give sufficient information on why the Loan Origination fee was changed to Borrower paid. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2022-11-09): Please see the attached CofC, Revised CD, and TRID History. Change was disclosed to the borrower on the revised CD. TRID History shows proof of receipt. | 11/11/2022 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222613204 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-11-11): Sufficient Cure Provided At Closing |  | 11/11/2022 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 222613221 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2023-06-13): Received updated report, prior sale was land sale. Exception cleared. | 06/13/2023 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613221 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted]- [redacted]% Points and Fees | [redacted] [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | [redacted] Points and Fees exceed allowable threshold by $[redacted]or [redacted]%. |  |  |  | Reviewer Comment (2023-06-07): Client elects to waive.<br>Reviewer Comment (2023-06-05): Client to review.<br>Seller Comment (2023-06-02): (Rate Lock) This is a [redacted] loan, exempt from QM Testing |  |  | 06/07/2023 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 222613221 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule ([redacted][redacted]): Flipped Property - Creditor did not obtain [redacted] ([redacted]) written appraisals. | Appraisal reflects prior sale on [redacted], contract date of subject is [redacted]. Subject is considered a flip, secondary appraisal required. |  |  |  | Reviewer Comment (2023-06-13): Received updated report, prior sale was land sale. Exception cleared.<br>Seller Comment (2023-06-13): (Rate Lock) This is not subject to flip rules as the prior sale was a lot only sale; revised report confirms | 06/13/2023 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613221 | xx | xx | xx | xx |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing evidence of the donor's ability to provide funds, with [redacted] days' sourcing and seasoning. Lender exception provided. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-07-11): Client elects to waive. Comp Factors: [redacted]FICO, SE > [redacted]years and [redacted]in residual income |  |  | 07/11/2023 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613229 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted]- [redacted]% Points and Fees | [redacted] [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of an overage of $[redacted]or [redacted]%. |  |  |  |  |  |  | 08/16/2023 | 2 B |  | IN | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 222613237 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant[redacted]([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/30/2023 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613237 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of revised valuation to applicant[redacted]([redacted]) business days prior to consummation. | Creditor did not provide a copy of revised valuation to applicant[redacted]([redacted]) business days prior to consummation |  |  |  | Reviewer Comment (2023-10-11): Client elects to waive. |  |  | 10/11/2023 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613237 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid [redacted] for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2023-10-10): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2023-10-09): $[redacted]Lender credit at close - [redacted] | 10/10/2023 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222613237 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2023-10-10): Sufficient Cure Provided At Closing |  | 10/10/2023 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 222613255 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted]- [redacted]% Points and Fees | [redacted] [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). | [redacted] Points and Fees on subject loan exceed allowable threshold of $[redacted]or .[redacted]%. |  |  |  |  |  |  | 12/04/2023 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 222613257 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted]- [redacted]% Points and Fees | [redacted] [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | [redacted] Points and Fees exceed allowable threshold by $[redacted]or [redacted]%. |  |  |  |  |  |  | 11/28/2023 | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 222613259 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant[redacted]([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/27/2023 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613259 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Final Disclosure APR of [redacted]% is in excess of allowable threshold of [redacted]% + [redacted]% or [redacted]%. |  |  |  | Reviewer Comment (2023-12-04): Evidence of appraisal receipt provided.<br>Seller Comment (2023-12-01): please see attached appraisal delivery prior to closing | 12/04/2023 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613259 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted] [redacted]): Creditor did not provide a copy of each valuation to applicant[redacted]([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-12-04): Evidence of appraisal receipt provided.<br>Seller Comment (2023-12-01): please see attached appraisal delivery prior to closing | 12/04/2023 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613259 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2023-11-27): Sufficient Cure Provided At Closing |  | 11/27/2023 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 222613259 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule ([redacted] [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal is dated[redacted] and evidence of appraisal delivery is dated [redacted]. |  |  |  | Reviewer Comment (2023-12-07): Client elects to waive.<br>Seller Comment (2023-12-05): Please see attached appraisal receipt which shows the borrower received the appraisal on [redacted] |  |  | 12/07/2023 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613266 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/22/2023 | 2 B |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613266 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted]- [redacted]% Points and Fees | [redacted] [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted] or [redacted]%). | [redacted] Points and Fees exceed allowable threshold by $[redacted] or [redacted]%. |  |  |  |  |  |  | 12/22/2023 | 2 B |  | OK | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 222613266 | xx | xx | xx | xx |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. | Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2024-01-03): Client elects to waive.<br>Seller Comment (2024-01-02): Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered (HPML) Compliant per [redacted] outside counsel. See attached appraisal delivery from [redacted] |  |  | 01/03/2024 | 2 B |  | OK | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 222613266 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final/post Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-01-04): [redacted] received fee history to show round up the transfer tax amount.<br>Seller Comment (2024-01-03): On [redacted], transfer tax (hud line [redacted]) was entered into our system as $[redacted] and State tax/stamps (hud line [redacted]) were entered as $[redacted]. This makes the total for transfer taxes $[redacted]. See attached Fee audit history, with highlighted fees showing amount and enter date of [redacted] [redacted]. Then at [redacted] the origination package was sent to the borrower with initial LE (LE and tracking are attached.) This shows the lump sum for transfer taxes rounded to the whole number of $[redacted]<br>Seller Comment (2024-01-03): On [redacted], transfer tax (hud line [redacted]) was entered into our system as $[redacted]and State tax/stamps (hud line [redacted]) were entered as $[redacted]. This makes the total for transfer taxes $[redacted]. See attached Fee audit history, with highlighted fees showing amount and enter date of [redacted] [redacted]. Then at [redacted] the origination package was sent to the borrower with initial LE (LE and tracking are attached.) This shows the lump sum for transfer taxes rounded to the whole number of $[redacted]<br>Reviewer Comment (2024-01-03): [redacted] require proof of rounding off amount on LE. Please provide same to re-evaluate this exception.<br>Seller Comment (2024-01-02): Transfer taxes at closing are $[redacted], the initial baseline for this fee is also $[redacted](rounded to $[redacted]on initial LE). Please clear this finding | 01/04/2024 |  |  | 1 C A |  | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222613266 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Transferred appraisals are permitted with underwriting approval and proof the transferred appraisal complies with Appraiser Independence Requirements |  |  |  | Reviewer Comment (2024-01-03): Client elects to waive.<br>Seller Comment (2024-01-02): Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered (HPML) Compliant per [redacted] outside counsel. See attached appraisal delivery from [redacted] |  |  | 01/03/2024 | 2 B |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613266 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-01-03): Client elects to waive.<br>Seller Comment (2024-01-02): Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered (HPML) Compliant per [redacted] outside counsel. See attached appraisal delivery from [redacted] |  |  | 01/03/2024 | 2 B |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613266 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted]([redacted])([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  |  |  | Reviewer Comment (2024-01-04): Sufficient Cure Provided within [redacted] Days of Closing |  | 01/04/2024 |  | 1 A |  | OK | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 222613275 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent tolerance was exceeded by Appraisal Fee. No valid COC provided, cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-01-25): Sufficient Cure Provided At Closing |  | 01/25/2024 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 222613307 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted]- [redacted]% Points and Fees | [redacted] [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | [redacted] Points and Fees exceed allowable threshold by $[redacted] or [redacted]%. |  |  |  |  |  |  | 06/04/2024 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 222613307 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-06-04): Sufficient Cure Provided At Closing |  | 06/04/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 222613307 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-06-04): Sufficient Cure Provided At Closing |  | 06/04/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 222613309 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid [redacted] for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-06-25): [redacted] received rate lock in lieu of [redacted] for lock extension.<br>Seller Comment (2024-06-24): CT [redacted]: Please see attached Rate Lock Request forms and their corresponding disclosures. On [redacted] a lock extension [redacted] was added resulting in $[redacted]pricing. This negative change in pricing was disclosed on the [redacted] Closing Disclosure.<br>Seller Comment (2024-06-24): CT[redacted]: Please see attached Rate Lock Request forms and their corresponding disclosures. On [redacted] a lock extension [redacted] was added resulting in $[redacted]pricing. This negative change in pricing was disclosed on the [redacted] Closing Disclosure.<br>Seller Comment (2024-06-24): CT [redacted]: Please see attached Rate Lock Request forms and their corresponding disclosures. On[redacted] a lock extension [redacted] was added resulting in $[redacted] pricing. This negative change in pricing was disclosed on the[redacted] Closing Disclosure. | 06/25/2024 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222613309 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid [redacted] for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-06-28): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2024-06-27): Please see the attached LOX, PCCD, Refund, and [redacted] |  | 06/28/2024 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 222613311 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted]- [redacted]% Points and Fees | [redacted] [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | [redacted] Points and Fees exceed allowable threshold by $[redacted]or [redacted]%. |  |  |  |  |  |  | 06/13/2024 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 222613311 | xx | xx | xx | xx |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted]based on the Commitment in file. |  |  |  |  |  |  | 06/13/2024 | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613311 | xx | xx | xx | xx |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing the required verification from [redacted]that withdrawal of funds from the business accounts ending in [redacted]and [redacted]will not negatively impact the business. |  |  |  | Reviewer Comment (2024-06-18): CPA letter received evidencing withdrawal of funds from the business accounts will not negatively impact the business. Exception is cleared.<br>Seller Comment (2024-06-18): [redacted] NR: Please see attached CPA letter that explains [redacted]% of [redacted]Learning is currently active and the use of business funds will not negatively impact the business. | 06/18/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613311 | xx | xx | xx | xx |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]. |  |  |  | Reviewer Comment (2024-06-18): CPA letter received evidencing withdrawal of funds from the business accounts will not negatively impact the business. Sufficient funds available for cash to close/reserves requirements. Exception is cleared.<br>Seller Comment (2024-06-18): [redacted] NR: Please see attached CPA letter that explains [redacted]% of [redacted]Learning is currently active and the use of business funds will not negatively impact the business. | 06/18/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613311 | xx | xx | xx | xx |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2024-06-18): CPA letter received evidencing withdrawal of funds from the business accounts will not negatively impact the business. Sufficient funds available for cash to close/reserves requirements. Exception is cleared.<br>Seller Comment (2024-06-18): [redacted] NR: Please see attached CPA letter that explains [redacted]% of [redacted]Learning is currently active and the use of business funds will not negatively impact the business. | 06/18/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613311 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted] [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2024-06-18): CPA letter provided, exception cleared<br>Seller Comment (2024-06-18): [redacted] NR: Please see attached CPA letter that explains [redacted]% of [redacted]Learning is currently active and the use of business funds will not negatively impact the business. | 06/18/2024 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 222613311 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted] [redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient asset documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2024-06-18): CPA letter provided, exception cleared<br>Seller Comment (2024-06-18): [redacted] NR: Please see attached CPA letter that explains [redacted]% of [redacted]Learning is currently active and the use of business funds will not negatively impact the business. | 06/18/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222613322 | xx | xx | xx | xx |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted] valuation is missing.; Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2023-03-16): CDA received validating the origination value. | 03/16/2023 |  |  | 1 D A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 222613420 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | [redacted] Rule ([redacted] [redacted]): Borrower waived right to receive a copy of the appraisal at least[redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/20/2024 | 2 B |  | OK | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223055918 | xx | xx | xx | xx |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  |  | 03/23/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Limited Cash-out GSE | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223055918 | xx | xx | xx | xx |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Loan is required to be approved by DU/DO or LP/LPA. Sec ID: 37 |  |  |  |  |  |  |  |  |  | 3 D |  | CA | Primary | Refinance - Limited Cash-out GSE | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223055918 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  | 04/04/2023 |  |  | 1 C A |  | CA | Primary | Refinance - Limited Cash-out GSE | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223055918 | xx | xx | xx | xx |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Refinance - Limited Cash-out GSE | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223055918 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Tolerance exceeded. Total amount of [redacted] exceeds tolerance of[redacted]plus [redacted] or[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223055918 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of [redacted] was not executed on the proper Model Form for a refinancing by the same creditor. The [redacted] form was used, the[redacted] form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Limited Cash-out GSE | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223055918 | xx | xx | xx | xx |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  |  |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Refinance - Limited Cash-out GSE | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223056058 | xx | xx | xx | xx |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Know Defect: Federal QM - Post Closing QM Status is FAIL; Loan - Seasoned loans >[redacted] months.<br> ATR Issue. |  |  |  | Reviewer Comment (2024-03-21): After further review, exception cleared. | 03/21/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223056058 | xx | xx | xx | xx |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223056058 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-04-11): [redacted]Provided. | 04/11/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223056058 | xx | xx | xx | xx |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Date Issued should be prior to Date Received on final CD. |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223056058 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223056058 | xx | xx | xx | xx |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification is missing. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-03-11): Re-grade. |  |  | 03/11/2024 | 2 B |  | IL | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223056058 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Rate Lock Fee disclosed as $[redacted] on LE and $[redacted] on Final CD. No valid change in circumstance or cure for borrower provided. |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223056058 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[redacted] on LE and $[redacted] on Final CD. No valid change in circumstance or cure for borrower provided. |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223056058 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Credit Report Fee disclosed as $[redacted] on LE and $[redacted] on Final CD. No valid change in circumstance or cure for borrower provided. |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223056144 | xx | xx | xx | xx |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Non QM | ATR Fail | No |
| 223056144 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most recent property inspection report dated [redacted] is after the FEMA disaster [redacted], [redacted] dated [redacted] but before the disaster end date of [redacted].. File is missing a property inspection dated after the disaster declaration end date, or the lender's Rep and Warranty attestation along with visible confirmation that the subject property was not damaged. |  |  |  | Reviewer Comment (2024-04-11): BPO provided, cleared. | 04/11/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | ATR Fail | No |
| 223056144 | xx | xx | xx | xx |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  | Initial[redacted]is not available on file. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Non QM | ATR Fail | No |
| 223056144 | xx | xx | xx | xx |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  | Details are correctly updated. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Non QM | ATR Fail | No |
| 223056144 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Non QM | ATR Fail | No |
| 223056144 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-03-11): Sufficient Cure Provided At Closing |  | 03/11/2024 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | ATR Fail | Yes |
| 223056203 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in FEMA disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2024-04-11): BPO provided. | 04/11/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223056203 | xx | xx | xx | xx |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223056203 | xx | xx | xx | xx |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  | [redacted] Initial is missing. |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223056203 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Incomplete Closing Disclosure, Issue date is missing. |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| 223056203 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Insufficient or no cure was provided to the borrower. | Cure amount not provided on final CD, file does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223056203 | xx | xx | xx | xx |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Known Defect: Federal QM - Post Closing QM Status is FAIL; Loan - Seasoned loans > [redacted] months. ATR Issue. |  |  |  | Reviewer Comment (2024-03-21): After further review, exception cleared. | 03/21/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223056203 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223056244 | xx | xx | xx | xx |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223056244 | xx | xx | xx | xx |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Known Defect:Federal QM - Post Closing QM Status is FAIL;Loan - Seasoned loans >[redacted] months |  |  |  | Reviewer Comment (2024-03-21): After further review, exception cleared. | 03/21/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223056244 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and loan product and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation. | Previous [redacted] incomplete, issue date and loan calculations are blank. |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 223056244 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-04-11): [redacted] provided. | 04/11/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223056244 | xx | xx | xx | xx |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223056244 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223792588 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223792588 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-06-13): Received guidelines<br>Seller Comment (2024-06-07): [redacted]<br>Seller Comment (2024-06-07): [redacted] attached showing ATR/QM Pass | 06/13/2024 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223792588 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: [redacted], Purpose: [redacted], | Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: [redacted], Purpose: [redacted] |  |  |  | Reviewer Comment (2024-06-13): Received guidelines<br>Seller Comment (2024-06-07): Guide<br>Seller Comment (2024-06-07): [redacted] Non Agency Jumbo AUS Guide uploaded | 06/13/2024 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223792588 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2024-06-10): [redacted] received disclsoure summary for initial CD.<br>Seller Comment (2024-06-07): eTracking<br>Seller Comment (2024-06-07): Initial CD was provided to borrower on [redacted]. Loan closed on [redacted] A change can be made to the CD and the borrower doesnt have to wait [redacted] more days. Uploading eTracking showing borrower received Initial CD on [redacted] | 06/10/2024 |  |  | 1 C A |  | NC | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 223792588 | xx | xx | xx | xx |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Income Misrepresentation |  |  |  | Reviewer Comment (2024-05-30): Reason for S&D |  |  |  | 2 B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223792605 | xx | xx | xx | xx |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D |  | NY | Primary | Purchase | D B C | Non QM | ATR Fail | No |
| 223792605 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  |  |  |  |  | 3 B C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Non QM | ATR Fail | Yes |
| 223792605 | xx | xx | xx | xx |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Ability to Repay not Verified) | [redacted] Subprime Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully-indexed rate with fully-amortizing payment and taking into account payments on any simultaneously-closed loans. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure D B C | Non QM | ATR Fail | No |
| 223792605 | xx | xx | xx | xx |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | [redacted]Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure D B C | Non QM | ATR Fail | No |
| 223792605 | xx | xx | xx | xx |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | [redacted]Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted]-m of the Banking Law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). | Non QM | ATR Fail | Yes |
| 223792605 | xx | xx | xx | xx |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Non-Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted]%, or [redacted]%. Non-Compliant SubPrime Loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | ATR Fail | Yes |
| 223792605 | xx | xx | xx | xx |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on [redacted] lien, subprime loan. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | No obvious cure D B C | Non QM | ATR Fail | No |
| 223792605 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, paystub provided was dated more than [redacted] days prior to closing. | Paystub provided was dated more than [redacted] days prior to closing. Provide [redacted] full month of recent paystubs from current employer. |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Purchase | D B C | Non QM | ATR Fail | No |
| 223792605 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased without a valid change of circumstance. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | ATR Fail | Yes |
| 223792605 | xx | xx | xx | xx |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Missing evidence of closing gift funds |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B |  | NY | Primary | Purchase | D B C | Non QM | ATR Fail | No |
| 223792615 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Purchase | C | Non QM | ATR Risk | No |
| 223792615 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 3 B C |  | CT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223792615 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 3 C |  | CT | Primary | Purchase | C | Non QM | ATR Risk | No |
| 223792615 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within[redacted] ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Purchase | C | Non QM | ATR Risk | No |
| 223792615 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] did not disclose the mortgage insurance payment for payment stream [redacted]. | Projected Payments: Final Closing Disclosure provided on [redacted] did not disclose the mortgage insurance payment for payment stream [redacted]. |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | ATR Risk | Yes |
| 223792615 | xx | xx | xx | xx |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | DTI discrepancy is due to income mismatch. Income has been calculated as per the document <br> provided in the file. |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 3 C |  | CT | Primary | Purchase | C | Non QM | ATR Risk | No |
| 223792615 | xx | xx | xx | xx |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  |  |  |  |  | Reviewer Comment (2024-07-23): Per client email [redacted] Okay to waive |  |  | 07/23/2024 | 3 C |  | CT | Primary | Purchase | C | Non QM | ATR Risk | No |
| 223792615 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due Income. This exception will be cleared when all ATR related exceptions are cleared. |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 3 C |  | CT | Primary | Purchase | C | Non QM | ATR Risk | No |
| 223792615 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Purchase | C | Non QM | ATR Risk | No |
| 223792615 | xx | xx | xx | xx |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Income calculated incorrectly. |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 2 B |  | CT | Primary | Purchase | C | Non QM | ATR Risk | No |
| 223792638 | xx | xx | xx | xx |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Repurchased loan due to Occupancy Misrepresentation - Employment - Excessive DTI - Invalid AUS: The subject loan was delivered as a primary residence transaction. A review of the loan revealed the following: The borrowers purchased [redacted] [redacted] residences in the last [redacted]-years, both delivered to Fannie Mae. A letter of explanation indicates borrowers need some time apart and subject is being purchased for the borrower to occupy, providing both the space they need. However, no Separation Agreement was provided. According to the loan documentation, the borrower was employed by Chef [redacted] and income from this employment was included in the debt-to-income ratio (DTI) calculation. Research confirmed that this borrower(s) was not employed as of [redacted] Excluding the income resulted in revised total monthly income of $[redacted] and a revised DTI of [redacted]% |  |  |  | Reviewer Comment (2024-09-20): S&D defect |  |  |  | 2 B |  | FL | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223792638 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The file is missing the credit report to verify the credit score and liabilities. |  |  |  | Reviewer Comment (2024-10-01): Received Credit report<br>Seller Comment (2024-09-24): see other upload for credit report | 10/01/2024 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status D C B | Non QM | Non QM | Yes |
| 223792638 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | The file is missing the credit report to verify the credit score and liabilities. |  |  |  | Reviewer Comment (2024-10-01): Received Credit report<br>Seller Comment (2024-09-24): see other upload for credit report | 10/01/2024 |  |  | 1 C A |  | FL | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223792638 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The file is missing the credit report to verify the credit score and liabilities. |  |  |  | Reviewer Comment (2024-10-01): Received Credit report | 10/01/2024 |  |  | 1 A |  | FL | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223792638 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (2024-10-01): Buyer EV2<br>Seller Comment (2024-09-24): Ev2 rating - buyer to clear |  |  |  | 2 B |  | FL | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223792638 | xx | xx | xx | xx |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Representative FICO score discrepancy. |  | The file is missing the credit report to verify the credit score. |  |  |  | Reviewer Comment (2024-09-25): Received Credit Report, exception cleared.<br>Seller Comment (2024-09-24): FICO score is [redacted] per AUS and credit report | 09/25/2024 |  |  | 1 C A |  | FL | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223792638 | xx | xx | xx | xx |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2024-09-25): Received Credit Report, exception cleared.<br>Seller Comment (2024-09-24): Credit Report | 09/25/2024 |  |  | 1 D A |  | FL | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223792638 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-10-08): Received PDI<br>Seller Comment (2024-10-08): Recent disaster inspection | 10/08/2024 |  |  | 1 C A |  | FL | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223792638 | xx | xx | xx | xx |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | The gift letter for the amount of $[redacted](is not signed by the donor or borrowers. |  |  |  | Reviewer Comment (2024-10-08): Move to buyer for consideration of waiver<br>Seller Comment (2024-10-08): [redacted] closed our [redacted] in early [redacted] so I'm unable to contact any employee who would have worked this loan in [redacted] when it was originated. However, I was able to get a copy of the wire confirmation of the gift funds from the title company to validate these funds |  |  |  | 3 C |  | FL | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223792638 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant[redacted]([redacted]() business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-01): Buyer EV2<br>Seller Comment (2024-09-24): Ev2 rating - buyer to clear |  |  |  | 2 B |  | FL | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223792638 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted](([redacted]() business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-01): Buyer EV2<br>Seller Comment (2024-09-24): Ev2 rating - buyer to clear |  |  |  | 2 B |  | FL | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223792638 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Borrower has verified disposable income of at least $[redacted].<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2024-10-08): PDI received showing no damage<br>Seller Comment (2024-10-08): see other FEMA upload - inspection completed [redacted] - no hurricane damage |  |  | 10/08/2024 | 2 B |  | FL | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223792712 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C |  | MA | UTD | Purchase | D |  |  | No |
| 223792712 | xx | xx | xx | xx |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B |  | MA | UTD | Purchase | D |  |  | No |
| 223792712 | xx | xx | xx | xx |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | MA | UTD | Purchase | D |  |  | No |
| 223792712 | xx | xx | xx | xx |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | MA | UTD | Purchase | D |  |  | No |
| 223792712 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MA | UTD | Purchase | D |  |  | No |
| 223792712 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D |  | MA | UTD | Purchase | D |  |  | No |
| 223792712 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B |  | MA | UTD | Purchase | D |  |  | No |
| 223792712 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | MA | UTD | Purchase | D |  |  | No |
| 223792712 | xx | xx | xx | xx |  | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | MA | UTD | Purchase | D |  |  | No |
| 223792712 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | MA | UTD | Purchase | No Defined Cure |  |  | No |
| 223792712 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | MA | UTD | Purchase | No Defined Cure |  |  | No |
| 223792712 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | MA | UTD | Purchase | D |  |  | No |
| 223812567 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 05/16/2024 | 2 B |  | MO | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223812575 | xx | xx | xx | xx |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-11-15): CDA supporting value provided. | 11/15/2022 |  |  | 1 D A |  | MI | Investment | Refinance - Cash-out - Home Improvement | D B A |  | N/A | No |
| 223812575 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Disclosure provided does neither confirm the borrower was provided the appraisal within [redacted] business days nor confirm a waiver was executed. |  |  |  | Reviewer Comment (2022-11-17): Client elects to waive.<br>Seller Comment (2022-11-16): Please see the attached Delivery Waiver. Loan closed [redacted]. Appraisal was provided on [redacted] |  |  | 11/17/2022 | 2 B |  | MI | Investment | Refinance - Cash-out - Home Improvement | D B A |  | N/A | No |
| 223812587 | xx | xx | xx | xx |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/28/2023 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223812587 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - [redacted]% Points and Fees | XXXXX [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $[redacted](an overage of $[redacted]or [redacted]%). | XXXXX points and Fees exceeded allowable threshold by $[redacted] or [redacted]%. |  |  |  |  |  |  | 11/28/2023 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 223812587 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure was provided to the borrower. |  |  |  | Reviewer Comment (2023-11-28): Sufficient Cure Provided At Closing |  | 11/28/2023 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223812591 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Final 1003 Section 5 Declarations reflects Yes Borrower will occupy property as primary. However, property is second home. |  |  |  | Reviewer Comment (2024-05-22): Corrected final 1003 provided, exception cleared<br>Seller Comment (2024-05-22): [redacted] [redacted] Hi Team please see attached the 1003 with the declarations corrected to indicate the borrower will not occupy the subject as primary | 05/22/2024 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223812591 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted]- [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]n a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted](an overage of $[redacted] or [redacted]%). |  |  |  |  |  |  |  | 05/15/2024 | 2 B |  | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 223812593 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted]-[redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | [redacted] Points and Fees exceed allowable threshold by $[redacted] or [redacted]%. |  |  |  |  |  |  | 08/19/2024 | 2 B |  | NM | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 223812593 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-09-03): [redacted] received rebuttal comment in support of COC dated[redacted].<br>Seller Comment (2024-08-29): The Recording fee was increased due to the need to record a warranty deed and sole and separate property Agreement<br>Reviewer Comment (2024-08-23): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the Recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2024-08-22): On [redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [redacted]% or $[redacted] to [redacted]or $[redacted].On [redacted]a Closing disclosure went out to the borrower to redisclose the Lender Credits being $[redacted] and Discount points becoming a charge for the rate at $[redacted]. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2024-08-22): On [redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [redacted]% or $[redacted] to [redacted] or $[redacted].On [redacted]a Closing disclosure went out to the borrower to redisclose the Lender Credits being $[redacted] and Discount points becoming a charge for the rate at $[redacted]. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2024-08-22): On [redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [redacted]% or $[redacted] to [redacted] or $[redacted].On [redacted] a Closing disclosure went out to the borrower to redisclose the Lender Credits being $[redacted] and Discount points becoming a charge for the rate at $[redacted]. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. | 09/03/2024 |  |  | 1 C A |  | NM | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223812593 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-08-23): [redacted] received a valid COC.<br>Seller Comment (2024-08-22): On [redacted] there was a COFC submitted for an increase in Recording Fee - Deed due to finding out there would be additional affidavits need for Recording. Please see attached accepted Change Of Circumstances Request, Closing Disclosure, and Trid Worksheet. There was a valid COFC accepted for increasing the Recording Fee - Deed Fee.<br>Seller Comment (2024-08-22): On [redacted] there was a COFC submitted for an increase in Recording Fee - Deed due to finding out there would be additional affidavits need for Recording. Please see attached accepted Change Of Circumstances Request, Closing Disclosure, and Trid Worksheet. There was a valid COFC accepted for increasing the Recording Fee - Deed Fee.<br>Seller Comment (2024-08-22): On [redacted]there was a COFC submitted for an increase in Recording Fee - Deed due to finding out there would be additional affidavits need for Recording. Please see attached accepted Change Of Circumstances Request, Closing Disclosure, and Trid Worksheet. There was a valid COFC accepted for increasing the Recording Fee - Deed Fee. | 08/23/2024 |  |  | 1 C A |  | NM | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223812593 | xx | xx | xx | xx |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 08/19/2024 | 2 B |  | NM | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223812598 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted]- [redacted]% Points and Fees | [redacted] [redacted] % Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted]or [redacted]%). | Points and Fees exceed threshold of $[redacted] or [redacted]% by $[redacted] or [redacted]%. |  |  |  | Reviewer Comment (2022-12-28): Client elects to waive.<br>Reviewer Comment (2022-12-16): Client to review.<br>Seller Comment (2022-12-14): (Rate Lock) This is a [redacted] loan, exempt from QM Testing |  |  | 12/28/2022 | 2 B |  | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 223812600 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] - [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Points and Fees threshold exceeded by $[redacted] or [redacted]% |  |  |  | Reviewer Comment (2023-03-01): Client elects to waive.<br>Reviewer Comment (2023-02-24): Client to review.<br>Seller Comment (2023-02-23): Bank Statement loans are not subject to [redacted], [redacted], or [redacted] testing. They are still required to pass [redacted] and our investors will take [redacted] fails on them as long as all the requirements are met. i.e. (no appraisal wavier, no escrow waiver, and not [redacted])<br>Our contract states that [redacted]will buy [redacted] as long as all the requirements were met, as they were on this loan. |  |  | 03/01/2023 | 2 B |  | ID | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | Non QM | Non QM | Yes |
| 223812600 | xx | xx | xx | xx |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2023-03-03): CDA provided. Exception cleared. | 03/03/2023 |  |  | 1 D A |  | ID | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 223812600 | xx | xx | xx | xx |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / Collateral Desktop Analysis (CDA) - No [redacted] Sheets - [redacted] Days |  |  |  | Reviewer Comment (2023-03-03): CDA provided. Exception cleared.<br>Reviewer Comment (2023-03-01): Valuation Received - [redacted] | 03/03/2023 |  |  | 1 A |  | ID | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 223812604 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - [redacted]% Points and Fees | XXXXX [redacted]% Points and Fees Test. Points and Fees on subject loan of[redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $XXXXX vs. an investor allowable total of $[redacted] (an overage of $[redacted]or [redacted]%). | XXXXX Points and Fees threshold exceeded by $[redacted] or [redacted]% |  |  |  |  |  |  | 09/30/2023 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 223812608 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Originator Compensation was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-10): [redacted] valid COC dated [redacted]<br>Seller Comment (2022-05-09): [redacted] [redacted] The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On [redacted]there was a Change Of Circumstance done changing the compensation form lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a Closing disclosure that went out following for re-disclosure. Please see attached Closing disclosure and Change Of Circumstance form.<br>Seller Comment (2022-05-09): [redacted] [redacted]The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On [redacted]there was a Change Of Circumstance done changing the compensation form lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a Closing disclosure that went out following for re-disclosure. Please see attached Closing disclosure and Change Of Circumstance form. | 05/10/2022 |  |  | 1 C A |  | MO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223812608 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] XXXXX -[redacted]% Points and Fees | [redacted]XXXXX [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Points and fees of [redacted]% exceed the max allowable limit of [redacted]% |  |  |  | Reviewer Comment (2022-05-10): Client elects to waive<br>Seller Comment (2022-05-09): Disagree - Please note that the [redacted] points and fees also known as [redacted] test does not apply to this product type (bank statement) as it is a non-agency loan.<br>Bank Statement loans are not subject to [redacted] or [redacted] and [redacted] high cost testing. They are still required to pass [redacted] and our investors will take [redacted] fails on them as long as all the requirements are met. i.e. (no appraisal wavier, no escrow waiver, and not [redacted])<br>Our contract states that XXXXX will buy HPML as long as all the requirements were met, as they were on this loan. |  |  | 05/10/2022 | 2 B |  | MO | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| 223812608 | xx | xx | xx | xx |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-05-10): Client elects to waive |  |  | 05/10/2022 | 2 B |  | MO | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223812608 | xx | xx | xx | xx |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-05-12): Received XXXXX dated XX/XX/XX with [redacted]% variance. Exception cleared. | 05/12/2022 |  |  | 1 D A |  | MO | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223812608 | xx | xx | xx | xx |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ [redacted] days - XXXXX - No [redacted] Sheets |  |  |  | Reviewer Comment (2022-05-12): Received XXXXX dated XX/XX/XX with [redacted]% variance. Exception cleared.<br>Reviewer Comment (2022-05-10): Valuation Received - XX/XX/XX | 05/12/2022 |  |  | 1 A |  | MO | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223813810 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223813810 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted] form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223813810 | xx | xx | xx | xx |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223813810 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223813810 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is[redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223813810 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223813810 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223813837 | xx | xx | xx | xx |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-11-13): Waived for securitization |  |  | 11/13/2025 | 3 D |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2025-11-13): Waived |  |  | 11/13/2025 | 2 B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-13): Waived |  |  | 11/13/2025 | 2 B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  | Reviewer Comment (2025-11-13): Waived |  |  | 11/13/2025 | 2 B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated[redacted]). |  |  |  |  | Reviewer Comment (2025-11-13): Waived |  |  | 11/13/2025 | 2 B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). |  |  |  |  | Reviewer Comment (2025-11-13): Waived |  |  | 11/13/2025 | 2 B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. |  |  |  |  | Reviewer Comment (2025-11-13): Waived |  |  | 11/13/2025 | 2 B |  | NY | Primary | Purchase | No Defined Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  |  |  |  |  |  | 03/20/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  |  | 03/20/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  |  |  | 03/19/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing [redacted] or more guideline components, the loan is at QM risk. |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-11-13): Client elected to regrade and waive with comp factors |  |  | 11/13/2025 | 2 C B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813837 | xx | xx | xx | xx |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  | Reviewer Comment (2025-11-13): Waived |  |  | 11/13/2025 | 2 B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224424755 | xx | xx | xx | xx |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Secondary Valuation is missing. |  |  |  | Reviewer Comment (2022-06-01): Received Secondary Valuation report, information updated and same has been associated in file. Exception cleared.<br>Buyer Comment (2022-05-31): CDA attached, thanks | 06/01/2022 |  |  | 1 D A |  | NY | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224424755 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Extension Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-18): [redacted] received CD dated [redacted]and [redacted] and corresponding COC for adding fee.<br>Buyer Comment (2022-05-18): CDs & COCs attached, thanks. | 05/18/2022 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 224424755 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Disclosure Tracking summary reflect Closing disclosures sent and received on [redacted] and on [redacted], please provide copies of the closing disclosures sent to borrower. |  |  |  | Reviewer Comment (2022-05-18): Received the initial and revised CD's dated [redacted] and [redacted].<br>Buyer Comment (2022-05-18): CDs & COCs attached, thanks. | 05/18/2022 |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 224424755 | xx | xx | xx | xx |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing the Insurance policy for the [redacted] property to verify the annual premium. Upon receipt of the missing insurance policy, additional conditions may apply. |  |  |  | Reviewer Comment (2022-06-03): Received Hazard insurance document for reo property "[redacted]" and same has been associated in file. Exception cleared.<br>Buyer Comment (2022-06-02): hoi attached, thanks | 06/03/2022 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224424755 | xx | xx | xx | xx |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | File is missing documentation to verify the earnest money deposit of $[redacted] came from the borrower's own funds and was received by the closing agent. |  |  |  | Reviewer Comment (2022-05-23): Received Deposit receipt of EMD amount $[redacted] and same has been associated in file. Exception cleared.<br>Buyer Comment (2022-05-20): EMD check attached, thanks.<br>Reviewer Comment (2022-05-20): Received a duplicate email from the title company for the receipt of the $[redacted] EMD. However, file is still missing a copy of the EMD check or wire transfer confirmation, and corresponding bank statement to verify the EMD cleared the borrower's account.<br>Buyer Comment (2022-05-20): the attached email is from the closing agent, verifying [redacted] emd paid. | 05/23/2022 |  |  | 1 C A |  | NY | Primary | Purchase | D A C | Non QM | Non QM | No |
| 224439484 | xx | xx | xx | xx |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  | Origination guidelines are not available for this review. |  |  |  | Reviewer Comment (2024-03-01): Client provided [redacted] guides for review. |  |  |  | 2 B |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224439484 | xx | xx | xx | xx |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | The file was missing a copy of the Initial 1003 Report. |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224439484 | xx | xx | xx | xx |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | Mortgage Insurance Certificate (MIC) is missing in file. |  |  |  | Reviewer Comment (2024-03-06): Seller provided via [redacted] doc exchange. | 03/06/2024 |  |  | 1 C A |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224439484 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock agreement is missing in file. |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224439484 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted]contains a change in loan product and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation. | CD incomplete, estimated to be issued on [redacted]. Several blank fields including product. |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 224439484 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. | Missing complete initial 1003, UTD application date. |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224439484 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. | Missing complete initial 1003, UTD application date. |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 224439484 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within [redacted] ([redacted]) business days of application. | Evidence of earlier receipt missing from file. |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 224439485 | xx | xx | xx | xx |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 224439485 | xx | xx | xx | xx |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 224439485 | xx | xx | xx | xx |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 224439485 | xx | xx | xx | xx |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 224439485 | xx | xx | xx | xx |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 224439485 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 224439485 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 224439485 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 224439485 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 224439485 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 224439485 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted]. | Unable to determine cause of under disclosure due to missing amortization schedule. |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 224439485 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted] |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 224439485 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 224439485 | xx | xx | xx | xx |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

---

| |
|:---|
| ![](ex99-1sch3_003.jpg) |
| **Rating Agency Grades** |
| **Run Date - 11/15/2025 8:04:28 AM** |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 222613202 | xx | xx | xx |  | A | A | A | A | A | A | A | A |  |
| 222613204 | xx | xx | xx |  | C | C | D | D | B | B | A | B |  |
| 222613221 | xx | xx | xx |  | C | C | A | C | B | B | A | B |  |
| 222613229 | xx | xx | xx |  | A | B | A | B | A | B | A | B |  |
| 222613237 | xx | xx | xx |  | A | C | A | C | A | B | A | B |  |
| 222613255 | xx | xx | xx |  | A | B | A | B | A | B | A | B |  |
| 222613257 | xx | xx | xx |  | A | B | A | B | A | B | A | B |  |
| 222613259 | xx | xx | xx |  | A | C | A | C | A | B | A | B |  |
| 222613266 | xx | xx | xx |  | A | C | A | C | A | B | A | B |  |
| 222613275 | xx | xx | xx |  | A | A | A | A | A | A | A | A |  |
| 222613307 | xx | xx | xx |  | A | B | A | B | A | B | A | B |  |
| 222613309 | xx | xx | xx |  | A | C | A | C | A | B | A | B |  |
| 222613311 | xx | xx | xx |  | C | C | A | C | B | B | A | B |  |
| 222613317 | xx | xx | xx |  | A | A | A | A | A | A | A | A |  |
| 222613322 | xx | xx | xx |  | A | A | D | D | A | A | A | A |  |
| 222613420 | xx | xx | xx |  | A | B | A | B | A | B | A | B |  |
| 223055918 | xx | xx | xx |  | C | B | D | D | C | B | D | D |  |
| 223056058 | xx | xx | xx |  | C | B | A | C | B | B | A | B |  |
| 223056144 | xx | xx | xx |  | C | B | A | C | B | B | A | B |  |
| 223056203 | xx | xx | xx |  | C | B | A | C | B | B | A | B |  |
| 223056244 | xx | xx | xx |  | C | B | A | C | B | B | A | B |  |
| 223792588 | xx | xx | xx |  | B | C | A | C | B | B | A | B |  |
| 223792605 | xx | xx | xx |  | B | C | D | D | B | C | D | D |  |
| 223792615 | xx | xx | xx |  | C | C | C | C | C | C | C | C |  |
| 223792638 | xx | xx | xx |  | D | C | A | D | C | B | A | C |  |
| 223792712 | xx | xx | xx |  |  | D |  | D |  | D |  | D |  |
| 223812567 | xx | xx | xx |  | A | B | A | B | A | B | A | B |  |
| 223812569 | xx | xx | xx |  | A | A | A | A | A | A | A | A |  |
| 223812575 | xx | xx | xx |  | A | A | D | D | A | B | A | B |  |
| 223812587 | xx | xx | xx |  | B | B | A | B | B | B | A | B |  |
| 223812591 | xx | xx | xx |  | C | B | A | C | A | B | A | B |  |
| 223812593 | xx | xx | xx |  | B | C | A | C | B | B | A | B |  |
| 223812598 | xx | xx | xx |  | A | B | A | B | A | B | A | B |  |
| 223812600 | xx | xx | xx |  | A | B | D | D | A | B | A | B |  |
| 223812604 | xx | xx | xx |  | A | B | A | B | A | B | A | B |  |
| 223812608 | xx | xx | xx |  | B | C | D | D | B | B | A | B |  |
| 223813810 | xx | xx | xx |  |  | B |  | B |  | B |  | B |  |
| 223813837 | xx | xx | xx |  | C | C | D | D | B | B | D | D |  |
| 224424755 | xx | xx | xx |  | C | C | D | D | A | A | A | A |  |
| 224439484 | xx | xx | xx |  | C | B | A | C | B | B | A | B |  |
| 224439485 | xx | xx | xx |  |  | B |  | B |  | B |  | B |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| |
|:---|
| ![](ex99-1sch4_004.jpg) |
| **Valuation Report** |
| **Run Date - 11/15/2025 8:04:29 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 222613202 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 222613204 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 222613221 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 222613229 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222613237 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222613255 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222613257 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222613259 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222613266 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222613275 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222613307 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222613309 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222613311 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.090% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222613317 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222613322 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 222613420 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223055918 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223056058 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223056144 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223056203 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223056244 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223792588 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.750% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| 223792605 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223792615 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223792638 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 223792712 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223812567 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812569 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.550% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812575 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 223812587 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812591 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812593 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223812598 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 223812600 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223812604 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 223812608 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| 223813810 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223813837 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224424755 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224439484 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224439485 | xx | xx | xx |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of BM-SC, LLC (the "Client"). The review included a total of 10 newly originated residential mortgage loans, in connection with the securitization identified as PRPM 2025-RCF6 (the "Securitization"). The Review was conducted from January 2022 through November 2022 on mortgage loans originated between December 2021 and October 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (10 loans in total):

Zero (0) loans had a Secondary Appraisal, zero (0) loans had AVMs, and six (6) loans had a Desktop Review.

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

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

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the ten (10) mortgage loans reviewed, four (4) unique mortgage loans (40.00% by loan count) had a total of seven (7) tape discrepancies across five (5) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;Borrower First Time Buyer | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Most Recent FICO Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 7 | $2961800.00 | 70.00% |
| Event Grade B | 3 | $1371664.00 | 30.00% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 10 | $4333464.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 8 | 80.00% |
| Event Grade B | 2 | 20.00% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 10 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 7 | 70.00% |
| Event Grade B | 3 | 30.00% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 10 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 10 | 100.00% |
| Event Grade B | 0 | 0.00% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 10 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***11*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting CLTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***2*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **PRP ID** | **Seller ID** | **Alt ID** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| 138582 | XXXXX | XXXXX | Sales_Price | XXX | XXX | FALSE |
| 138582 | XXXXX | XXXXX | Original_LTV | XXX | XXX | FALSE |
| 138658 | XXXXX | XXXXX | Original_LTV | XXX | XXX | FALSE |
| 138582 | XXXXX | XXXXX | Original_CLTV | XXX | XXX | FALSE |
| 138658 | XXXXX | XXXXX | Original_CLTV | XXX | XXX | FALSE |
| 138638 | XXXXX | XXXXX | Most_Recent_FICO_Date | XXX | XXX | FALSE |
| 138633 | XXXXX | XXXXX | Borrower_First_Time_Buyer | Y | No | FALSE |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **PRP ID** | **Seller ID** | **Alt Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 138633 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/10/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years A |
| 138633 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/10/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years A |
| 138638 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 2/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years A |
| 138638 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 2/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years A |
| 138582 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/13/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX A |
| 138582 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/13/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX A |
| 138559 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/25/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX A |
| 138559 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 1/25/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX A |
| 138455 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/25/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 138488 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 138488 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 138658 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/22/2022 | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 138658 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Closed | 3/22/2022 | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX/XX/XXXX or $XXX. A |
| 135491 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/15/2022 | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan [[(XXX CFR §1026.35(a)(1) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML loan. Escrow and appraisal requirements met. |  |  |  | 11/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| 135491 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/18/2022 | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of XXX. The maximum LTV/CLTV below a XXX FICO score is XXX% per the lender's guidelines. ; acknowledged by client | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> A lender exception was granted for LTV over XXX% with FOC of XXX. Exception based on XXX years employment and $XXX residual income. | 11/18/2022 |  | 11/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| 135491 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/18/2022 | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. The maximum LTV/CLTV below a XXX FICO score is XXX% per the lender's guidelines. ; acknowledged by client | Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.;<br> A lender exception was granted for CLTV over XXX% with FOC of XXX. Exception based on XXX years employment and $XXX residual income. | 11/18/2022 |  | 11/21/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| 135491 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/18/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The lon file is missing evidence to support the borrower owns all other properties free and clear and a breakdown of any/all expenses to match the amounts provided on the final loan application. Please provide additional documentation to support the above. Additional conditions may apply. ; Received LOX with documentation to support the findings for each REO property. LOX States - See the following details regarding properties owned free and clear, taxes, and insurance. All documentation is attached for the tax and insurance bills and property reports. Reviewed documentation and confirmed amounts in system. Exception cleared. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.;<br> Received LOX with documentation to support the findings for each REO property. LOX states - See the following details regarding properties owned free and clear, taxes, and insurance. All documentation is attached for the tax and insurance bills and property reports. Reviewed documentation and confirmed amounts in system. Exception cleared. | 12/01/2022 | Borrower liabilities verified indicator is Present; Received LOX with documentation to support the findings for each REO property. LOX States - See the following details regarding properties owned free and clear, taxes, and insurance. All documentation is attached for the tax and insurance bills and property reports. Reviewed documentation and confirmed amounts in system. Exception cleared. | 12/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| 135491 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/18/2022 | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. The lender's guidelines do not permit the borrower to be currently living rent free. ; Received LOX - Please note we do not consider this borrower a true rent free borrower. He lived in a property that he owned for more than XXX years located at XXX XXX XXX XXX XXX This property is owned free and clear. and then just a couple of months priort to this loan alosing he moved in with his son and yes was living rent free but it was only a short time before closing. We do not consider this a true rent free borrower since he lived ithe majofiry of the past year in a home that he owned. Reviewed documentation provided to support this - confirmed. Exception cleared. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.;<br> Received LOX - Please note we do not consider this borrower a true rent free borrower. He lived in a property that he owned for more than XXX years located at XXX. This property is owned free and clear. and then just a couple of months priort to this loan alosing he moved in with his son and yes was living rent free but it was only a short time before closing. We do not consider this a true rent free borrower since he lived ithe majofiry of the past year in a home that he owned. Reviewed documentation provided to support this - confirmed. Exception cleared. | 12/01/2022 | Housing delinquency meets guidelines.; Received LOX - Please note we do not consider this borrower a true rent free borrower. He lived in a property that he owned for more than XXX years located at XXX XXX XXX This property is owned free and clear. and then just a couple of months priort to this loan alosing he moved in with his son and yes was living rent free but it was only a short time before closing. We do not consider this a true rent free borrower since he lived ithe majofiry of the past year in a home that he owned. Reviewed documentation provided to support this - confirmed. Exception cleared. | 12/01/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| 135642 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/17/2022 | Cleared | Credit | Housing history does not meet guidelines |  | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.;<br> Received LOX - Primary Mortgage paid off XX/XX/XXXX. Prior to that loan was in forbearance - letters in file for verification. Reveiwed guidelines - forebearance accepted with restrictions. Verified the loan meets restrictions - exception cleared. ; Primary mortgage history not reported on credit bureau; lender to provide primary housing history to confirm no more than 1X30X 12. | 12/08/2022 | Housing delinquency meets guidelines.; Received LOX - Primary Mortgage paid off XXX XXX Prior to that loan was in forbearance - letters in file for verification. Reveiwed guidelines - forebearance accepted with restrictions. Verified the loan meets restrictions - exception cleared. | 12/08/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D C A |
| 135642 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/17/2022 | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Borrower licensed XXX in State of XXX; moving primary residence to XXX; missing LOE to support reason for moving business practice from XXX to XXX and no negative impact. Missing evidence that XXX license recognized in XXX.; Received LOX with documentation supporting findings - XXX has reciprocity with XXX. documentaion supports - exception cleared. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.;<br> Received LOX with documentation supporting findings - XXX has reciprocity with XXX. documentaion supports - exception cleared. | 12/08/2022 | The exception 'Borrower Employment Verification does not meet guidelines' is cleared.; Received LOX with documentation supporting findings - XXX has reciprocity with XXX. documentaion supports - exception cleared. | 12/08/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D C A |
| 135642 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/17/2022 | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial- Missing executed lease agreement for departing primary residence: XXX XXX and evidence of deposited security/ rents; Final 1003 missing rent amount to verify departing primary neg rents not to exceed XXX month. ; Received LOX - Lease not needed since the income is not being used for qualifying purposes. Primary residence was paid in full back in XXX XXX The XXX payment is from taxes on the property. Exception cleared. | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Open Rebuttal.;<br> Received LOX - Lease not needed since the income is not being used for qualifying purposes. Primary residence was paid in full back in XX/XX/XXXX. The $XXX payment is from taxes on the property. Exception cleared. | 12/08/2022 | Borrower liabilities verified indicator is Present; Received LOX - Lease not needed since the income is not being used for qualifying purposes. Primary residence was paid in full back in XXX XXX The XXX payment is from taxes on the property. Exception cleared. | 12/08/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| 135642 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/15/2022 | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan [[(XXX CFR §1026.35(a)(1) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June XXX and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.;<br> Acknowledged per client request – XX/XX/XXXX | 12/15/2022 |  | 12/15/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D C A |
| 135642 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 11/21/2022 | Acknowledged | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Missing additional month of bank Statements for XXX XX/XX/XXXX received) and xXXX (XXX/XXX received) | Change status of 'Asset Documents are Incomplete' from Active to Acknowledged by Client.;<br> Received CRSE - Assets : Seasoning requirement not met. Exception - full 60 days of assets not met. Compensating Factors : DTI XXX% (Housing Ratio) // XXX% (Total); Residual Income of $XXX; Borrower with same Employer/Business for XXX years. Acknowledged by client. | 12/08/2022 |  | 12/08/2022 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D C A |
| 135666 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/17/2022 | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan [[(XXX CFR §1026.35(a)(1) he loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of = XXX and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate XXX% by XXX% or more.; HPML Loan with established escrows and appraisal requirements have been met. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.;<br> Acknowledge per client XXX request XX/XX/XXXX | 12/01/2022 |  | 12/01/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. D C A |
| 135666 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/17/2022 | Cleared | Compliance | Homeownership Counseling Disclosure is Partial | The homeownership disclosure is Partial; On page XXX borrower electronically signs receipt of the Home-Ownership Counseling Acknowledgement | Change status of 'Homeownership Counseling Disclosure is Partial' from Active to Open Rebuttal.;<br> Received LOX - borrower can eSign the receipt. Exception cleared. ; On page 218, borrower electronically signs receipt of the Home-Ownership Counseling Acknowledgement | 10/21/2022 | The homeownership disclosure is Present | 10/21/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. D A C |
| 135666 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/17/2022 | Cleared | Property | Third Party Valuation Product Not Provided | Third Party Valuation Product Not Provided and CU Score is XX/XX/XXXX and XXXX Collateral Rep & Warrant Relief is Not Eligible or Unavailable.; CDA received - updating loan accordingly. | Change status of 'Third Party Valuation Product Not Provided' from Active to Open Rebuttal.;<br> CDA received - updating loan accordingly. | 11/23/2022 | Third Party Valuation Product Provided.; CDA received - updating loan accordingly. | 11/23/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. D A C |
| 135666 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/17/2022 | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CDA received - updating loan accordingly. | Change status of 'Third Party Valuation Product not Provided' from Active to Open Rebuttal.;<br> CDA received - updating loan accordingly. | 11/23/2022 | Third Party Valuation Product Provided; CDA received - updating loan accordingly. | 11/23/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. D A C |
| 135666 | XXXXX | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | 10/17/2022 | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; File is missing the COC for the Appraisal Fee for the Appraisal Update Fee of XXX that was added on the Final CD dated XXX | Change status of 'Charges That Cannot Increase Test' from Active to Open Rebuttal.;<br> Received LOX stating the final CD has a $XXX lender credit. Confirmed it is for the Appraisal Updated - 1004D charge. Updating loan accordingly. ; File is missing the COC for the Appraisal Fee for the Appraisal Update Fee of $XXX that was added on the Final CD dated XX/XX/XXXX | 10/21/2022 | This loan passed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i) lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##KP## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 10/21/2022 | Borrower 1 has significant job time - Borrower has XX/XX/XXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Borrower has stable job time - Borrower has XX/XX/XXXX years at job. D C A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **PRP ID** | **Seller ID** | **Alt Loan Number** | **Original Balance** |
| 138633 | XXXXX | XXXXX | $XXXXXX A |
| 138638 | XXXXX | XXXXX | $XXXXXX A |
| 138582 | XXXXX | XXXXX | $XXXXXX A |
| 138559 | XXXXX | XXXXX | $XXXXXX A |
| 138455 | XXXXX | XXXXX | $XXXXXX A |
| 138488 | XXXXX | XXXXX | $XXXXXX A |
| 138658 | XXXXX | XXXXX | $XXXXXX A |
| 135642 | XXXXX | XXXXX | $XXXXXX D C A B |
| 135491 | XXXXX | XXXXX | $XXXXXX D C A B |
| 135666 | XXXXX | XXXXX | $XXXXXX A C D B |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **PRP ID** | **Seller ID** | **Alt Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **AVM Provider** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **FSD Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| 138638 | XXXXX | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 138582 | XXXXX | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 138559 | XXXXX | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 138633 | XXXXX | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1025 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 138488 | XXXXX | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 138658 | XXXXX | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 138455 | XXXXX | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 135491 | XXXXX | XXXXX | $XXXXXX | $XXX | $XXX | 85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 135642 | XXXXX | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 135666 | XXXXX | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Not Eligible |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

**NARRATIVE**

**PRPM 2025-RCF6**

**By Canopy Financial Technology Partners LLC on November 14, 2025**

Canopy Financial Technology Partners LLC

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

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

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

![](ex99-3_001.jpg)

 **Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by BM-SC, LLC (the "Client") or its affiliated company. The Review was conducted from January 2022 to April 2022 via files imaged and provided by the Client for review.

The Review consisted of a population of seventeen (17) Loans with an aggregate principal balance of $7,812,700.

**Loan Sampling**

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

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

**Data Integrity**

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

---

| | |
|:---|:---|
| **Field Label** | **Logic Applied** |
| All Borrower Total Income | Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| Amortized Term | No tolerance |
| Application Date | No tolerance |
| Borrower 1 Citizen | No tolerance |
| Borrower 1 Self Employed Flag | No tolerance |
| Borrower 2 Citizen | No tolerance |
| Borrower 2 Self-Employment Flag | No tolerance |
| Business Purpose Flag | No tolerance |
| Cash Disbursement Date | No tolerance |
| Combined LTV | Apply 1% Tolerance if < 80% |
| DSCR | .25% tolerance |
| Escrow Flag | No tolerance |
| Final Reviewed QM Status | No tolerance |
| First Interest Rate Change Date | No tolerance |
| First Payment Date | No tolerance |
| Higher Priced Mortgage Loan (HPML) Flag | No tolerance |

---

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

![](ex99-3_001.jpg)

---

| | |
|:---|:---|
| Index | No tolerance |
| Initial Monthly P&I Or IO Payment | No tolerance |
| Lien Position | No tolerance |
| Loan Program | No tolerance |
| Loan Purpose | No tolerance |
| Margin (ARM Loan) | No tolerance |
| Mortgage Origination Channel | No tolerance |
| Note Interest Only Term | No tolerance |
| Note Date | No tolerance |
| Occupancy Type | No tolerance |
| Original Appraised Value | No tolerance |
| Original Balance | No tolerance |
| Original LTV | Apply 1% Tolerance if < 80% |
| Origination BK Flag | No tolerance |
| Originator QM Status | No tolerance |
| Origination Date | No tolerance |
| Origination Foreclosure Flag | No tolerance |
| Prepayment Penalty Term | No tolerance |
| Property Type | No tolerance |
| Property Zip Code | No tolerance |
| Qualifying FICO | No tolerance |
| Qualifying Total Debt Income Ratio | Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| Sales Price | No tolerance |
| Underwriting Guideline Product Name | No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

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

![](ex99-3_001.jpg)

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

![](ex99-3_001.jpg)

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

· Borrower identity:

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

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

· Employment:

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

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

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

· Occupancy:

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

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

· OFAC:

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

![](ex99-3_001.jpg)

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)**

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

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

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

![](ex99-3_001.jpg)

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

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

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

**Compliance Review**

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

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

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

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

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

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

![](ex99-3_001.jpg)

I. Compliance Documentation Requirements

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

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

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

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

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

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

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

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

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

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

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

II. Anti-Predatory Lending (Assignee Liability)

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

III. Compliance Testing Elements

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

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

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

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

![](ex99-3_001.jpg)

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

![](ex99-3_001.jpg)

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

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

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

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

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

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

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

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

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

· City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440;
2-32455; 2-92-325; 4-4-155; 8-4-325.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![](ex99-3_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)**

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

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

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![](ex99-3_001.jpg)

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

**Ability to Repay (ATR)**

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

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

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

**Valuation Review**

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

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

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

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**Independent Third-Party Values**

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

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

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---

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

---

---

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

---

---

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

---

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

![](ex99-3_001.jpg)

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (17 loans) have an overall grade of "A" and 0.00% (0 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00% or seventeen (17) mortgage loans reviewed, and 0.00% (0 loans) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00% or seventeen (17) mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00% or seventeen (17) mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

**FINDINGS TABLE**

&nbsp;&nbsp;**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

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

![](ex99-3_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$7812700.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7812700.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$7812700.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7812700.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** |
| Cash Out: Debt Consolidation— Proceeds used to pay off existing loans<br> other than loans secured by real estate | 1 | 5.88% | $294000.00 |
| Cash Out: Home Improvement/Renovation | 0 | 0.00% | $0.00 |
| Cash Out: Other/Multi-Purpose/Unknown Purpose | 8 | 47.06% | $5152550.00 |
| First Time Home Purchase | 0 | 0.00% | $0.00 |
| Other Than First Time Home Purchase | 7 | 41.18% | $2038150.00 |
| Rate/Term Refinance - Borrower Initiated | 1 | 5.88% | $328000.00 |
| **Total** | **17** | **100.00%** | **$7812700.00** |

---

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;16 | &nbsp;&nbsp;94.12% | &nbsp;&nbsp;$7578950.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;$233750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7812700.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$7812700.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$7812700.00** |

---

**DATA COMPARISON RESULTS**

Of the seventeen (17) mortgage Loan Files reviewed, four (4) unique loans (23.53% by number) had four (4) tape comparison discrepancies across three (3) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**%**<br> **Variance** |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;tolerance .25 | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;11.76% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.88% |

---

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

![](ex99-3_001.jpg)

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

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

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 526016 |  | xxx | Calculated DSCR | 1.13 | 1.91 |
| 717868 |  | xxx | Calculated DSCR | 1.77 | 1.32 |
| 510968 |  | xxx | Originator Doc Type | Not Stated Not Verified | ALT DOC |
| 697805 |  | xxx | Primary Appraised Property Value | xxx | xxx |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 613785 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 510968 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 752804 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 477536 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 526016 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 697805 |  | xxx B A | Closed | FPRO9736 | 2025-07-08 13:24 | 2025-07-25 12:24 | Resolved | 1 - Information B A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Resolved. Higher review product provided supporting original appraisal within 10% - Due Diligence Vendor-07/25/2025 <br> Waived-Desk review value of $xxx does not support appraised value of $xxx within 10%. Lender used lower desk review value for qualification purposes as allowed per guidelines. - Due Diligence Vendor-07/08/2025 |  | Resolved-Resolved. Higher review product provided supporting original appraisal within 10% - Due Diligence Vendor-07/25/2025 <br> Waived-Desk review value of $xxx does not support appraised value of $xxx within 10%. Lender used lower desk review value for qualification purposes as allowed per guidelines. - Due Diligence Vendor-07/08/2025 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 697805 |  | xxx B A | Closed | FCRE1183 | 2022-03-17 16:34 | 2022-03-17 18:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Updated approval provided with no outstanding items and revised expiration date. - Due Diligence Vendor-03/17/2022 <br> Ready for Review-Document Uploaded. Updated UW approval attached - Seller-03/17/2022 <br> Open-Underwriting Final Approval states that loan must close/fund by xxx. Please provide updated final approval. - Due Diligence Vendor-03/16/2022 | Ready for Review-Document Uploaded. Updated UW approval attached - Seller-03/17/2022<br>| Resolved-Updated approval provided with no outstanding items and revised expiration date. - Due Diligence Vendor-03/17/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 396806 |  | xxx A | Closed | FCRE1167 | 2022-03-16 10:51 | 2022-10-05 16:18 | Resolved | 1 - Information A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-10/05/2022 <br> Rescinded-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-03/16/2022 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-10/05/2022 <br> Rescinded-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-03/16/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29 Are Greater Than The Guideline Minimum Of 7 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 717868 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 870866 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 505700 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 647610 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 243722 |  | xxx D A | Closed | FCRE1503 | 2022-04-05 15:57 | 2022-04-06 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final CD from simultaneous transaction provided to validate rent loss from final 1003- item resolved. - Due Diligence Vendor-04/06/2022 <br> Ready for Review-Document Uploaded. - Seller-04/05/2022 <br> Open-refinanced property xxx-not provided with new terms. - Due Diligence Vendor-04/05/2022 | Ready for Review-Document Uploaded. - Seller-04/05/2022<br>| Resolved-Final CD from simultaneous transaction provided to validate rent loss from final 1003- item resolved. - Due Diligence Vendor-04/06/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 969860 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 779017 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 565306 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 615535 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 665509 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 613785 |  | xxx | xxx A |
| 510968 |  | xxx | xxx A |
| 752804 |  | xxx | xxx A |
| 477536 |  | xxx | xxx A |
| 526016 |  | xxx | xxx A |
| 697805 |  | xxx | xxx B A |
| 396806 |  | xxx | xxx A |
| 717868 |  | xxx | xxx A |
| 870866 |  | xxx | xxx A |
| 505700 |  | xxx | xxx A |
| 647610 |  | xxx | xxx A |
| 243722 |  | xxx | xxx D A |
| 969860 |  | xxx | xxx A |
| 779017 |  | xxx | xxx A |
| 565306 |  | xxx | xxx A |
| 615535 |  | xxx | xxx A |
| 665509 |  | xxx | xxx A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 613785 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1073 Individual Condo Report | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 510968 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 72.81 | 72.81 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 752804 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 |  | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 477536 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 526016 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review | xxx | 0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | ADEQUATE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 697805 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 69.9 | 69.9 |  |  |  |  | xxx | xxx | -.0532 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0532 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 396806 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 85 | 85 |  |  |  |  | xxx | 0 |  | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 717868 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 58.82 | 58.82 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 870866 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 |  | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 505700 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 |  | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 647610 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 243722 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 969860 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 85 | 85 |  |  |  |  | xxx | 0 |  | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 779017 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 565306 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 615535 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 70 | 70 |  |  |  |  | xxx | 0 |  | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 665509 |  | xxx | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Stable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

![](ex99-4_002.jpg)

**November 14, 2025**

**Due Diligence Narrative Report**

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;*Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 1 November 14, 2025

![](ex99-4_001.jpg)

**CLAYTON CONTACT INFORMATION**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-4_003.jpg) | **Michael Santarsiere** | Client Service Director |

---

Phone: (813) 371-0280/<u>E-mail: msantarsiere@clayton.com</u>

---

| | | |
|:---|:---|:---|
| ![](ex99-4_003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |

---

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

**OVERVIEW**

Clayton Services LLC (Clayton") conducted an independent third-party pre-securitization due diligence review of residential loans selected for the PRPM 2025-RCF6 transaction. The loans referenced in this narrative report were reviewed on a flow basis in March of 2022. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review. The population of 1 loan was purchased on a Reliance Letter.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 1 | 100.00% |
| &nbsp;&nbsp;**Total** | **1** | **100.00%** |

---

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 2 November 14, 2025

![](ex99-4_001.jpg)

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

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

SAMPLING

For all originators in this transaction, 100% of the loans received a Full Review as described below. Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp;***Loan Count Reviewed by Clayton*** | &nbsp;&nbsp;***Scope Applied*** |
| **Full Review**<br> **Total Loan<br> Population** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Full Review**<br> **Total Loan<br> Population** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 |  |

---

SPONSOR ACQUISITION CRITERIA

The loan was underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review. Clayton was supplied with all of the changes to the guidelines with advance notice.

LOAN GRADING

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

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

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 3 November 14, 2025

![](ex99-4_001.jpg)

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Grade Description | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit | &nbsp;&nbsp;Property | &nbsp;&nbsp;Property | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Grade Description | &nbsp;&nbsp;Multiple\* | &nbsp;&nbsp;S&P | &nbsp;&nbsp;Multiple\* | &nbsp;&nbsp;S&P | &nbsp;&nbsp;Multiple\* | &nbsp;&nbsp;S&P |
| &nbsp;&nbsp;No exceptions need | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;Satisfied (previously material) exceptions | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A |
| &nbsp;&nbsp;Non-material exceptions noted | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B |
| &nbsp;&nbsp;Material, exceptions noted | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C |
| &nbsp;&nbsp;Material, documentation missing | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D |
| &nbsp;&nbsp;*\*This grade definition is used by mulitiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | &nbsp;&nbsp;*\*This grade definition is used by mulitiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | &nbsp;&nbsp;*\*This grade definition is used by mulitiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | &nbsp;&nbsp;*\*This grade definition is used by mulitiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | &nbsp;&nbsp;*\*This grade definition is used by mulitiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | &nbsp;&nbsp;*\*This grade definition is used by mulitiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* | &nbsp;&nbsp;*\*This grade definition is used by mulitiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch* |

---

TPR COMPONENT REVIEW SCOPE

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

CREDIT REVIEW

Clayton's Credit scope of review conducted on 1 loan in this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compared the loan documentation found in the loan file
to the origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Re-calculated LTV, CLTV, income,
liabilities, and debt-to-income ratios (DTI) and compared these against the stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analyzed asset statements in order to determine that funds
to close and reserves were within origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirmed that credit scores (FICO) and credit histories
were within origination guidelines;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Examined income, employment, assets, and occupancy status
for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed the occupancy, VOE and self/employed business
documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Listed the property type as Coop, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed for condo warranty documentation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Noted the field of employment and business company name
for employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The debt service coverage
ratios (DSCR) are independently calculated and reviewed by Clayton and compared against the Sponsor Acquisition Criteria.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review 1003/Application/Declarations
and other documentation in the file to support occupancy is for investment purposes.

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 4 November 14, 2025

![](ex99-4_001.jpg)

PROPERTY VALUATION REVIEW

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Appraisal Assessment
(1 loan)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Value Supported Analysis (1
loan)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU
Score

For further detail please refer to the PRPM 2025-RCF6 Valuations Summary Report.

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

<br> The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan's
undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required
rate reduction per discount point. Clayton evaluated the lender's exclusion of discount
points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 5 November 14, 2025

![](ex99-4_001.jpg)

- Prepayment Penalty restrictions.

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

● Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

On, June 15<sup>th</sup>, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

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

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

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 6 November 14, 2025

![](ex99-4_001.jpg)

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

State and Federal High Cost and Higher-Priced:

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

&nbsp;&nbsp;&nbsp;&nbsp;· Chicago
High Cost Ordinance

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency
of coverage

&nbsp;&nbsp;&nbsp;&nbsp;· Escrow
of insurance payments

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

DATA INTEGRITY

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Discrepancies
found during comparison are stored

DATA CAPTURE

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

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 7 November 14, 2025

![](ex99-4_001.jpg)

**DATA COMPARE RESULTS**

Clayton provided BM-SC, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

**No data discrepancies observed for this population.**

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 8 November 14, 2025

![](ex99-4_001.jpg)

**CLAYTON DUE DILIGENCE RESULTS**

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

**Initial and Final Overall Loan Grade Results**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| | **A** | **B** | **C** | **D** | **Total** |
| **A** | 1 |  |  |  | **1** |
| **B** |  |  |  |  | **0** |
| **C** |  |  |  |  | **0** |
| **D** |  |  |  |  | **0** |
| **Total** | **1** | **0** | **0** | **0** | **1** |

---

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

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 1 |  |  |  | **1** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **1** | **0** | **0** | **0** | **1** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 1 |  |  |  | **1** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **1** | **0** | **0** | **0** | **1** |

---

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 9 November 14, 2025

![](ex99-4_001.jpg)

Initial and Final Regulatory Compliance Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 1 |  |  |  | **1** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **1** | **0** | **0** | **0** | **1** |

---

**CLAYTON THIRD PARTY REPORTS DELIVERED**

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative
Report

&nbsp;&nbsp;&nbsp;&nbsp;2. ASF
Upload Report

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

&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions
Report

&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation
Summary

&nbsp;&nbsp;&nbsp;&nbsp;6. Loan
Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;7. Waived
Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation
Forms

9. 15E
 Form

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 10 November 14, 2025

![](ex99-4_001.jpg)

**Appendix A: Credit Review Scope**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets and reserves

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

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

- Citizenship status

- Non-occupant co-borrower

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

Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

- Final loan application was in the loan file and was complete

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

● Signed by all borrowers and processed by the originator

● Compared IRS tax transcripts to income documentation and noted any inconsistencies

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

● Tax returns

● Financial statements

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● Paystubs

● W-2s

● 1099

● IRS documents

● Bank statements

● Lease agreements

● Award letters

● Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

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

● Verification of deposits (VOD)

● Depository account statements

● Stock or security account statements

● Gift funds

● Settlements statements

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

● Other documentation in loan file

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

● Fee simple

● Leasehold estate

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

● Correct borrower

● Correct property

● Correct lender

● Correct loan number

● Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

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

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

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**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

☐ FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

☐ FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

☐ FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

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

☐ Appraisal report form, certification, statement of limiting conditions and scope of work

☐ Accurate identification of the subject property

☐ Accurate identification of the subject loan transaction

☐ Accurate identification of the property type, in both land and improvements

☐ All required attachments including:

● Subject front, rear and street photos and valued features

● Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

● Photos of all comparable sales and listings

● Location map

● Exterior sketch of property with dimensions

● 1004MC Market Conditions Report

☐ Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

☐ Appraisal date met supplied Sponsor Acquisition Criteria

☐ If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

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

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

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

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☐ Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

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

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

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

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

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

☐ Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

☐ Comps used were reasonably recent in transaction date and if not the reason was furnished

☐ Comps used were reasonably similar to the subject property and if not an explanation was supplied

☐ Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

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

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

☐ Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

☐ Property usage was reviewed for zoning compliance

☐ Property utilization was reviewed to determine it was "highest and best use"

☐ Neighborhood values were reviewed to determine if declining

☐ Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;● Location

&nbsp;&nbsp;&nbsp;&nbsp;● % built up

&nbsp;&nbsp;&nbsp;&nbsp;● Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;● Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;● Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;● Predominant occupancy

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

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

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

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&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

● Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure ("CD")

● Pre-application Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

● Timing Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

● Fee Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

● Payment Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

● Accuracy of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

● Technical Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

● Consistency within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

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● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

● Completion of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

● Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

● Corrected CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

● Post-Close CD's

● Corrected CD's provided with a post-close refund.

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

● Related Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

● Outside of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

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

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

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

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

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

---

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

---

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

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

---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

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

---

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

---

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 21 November 14, 2025

![](ex99-4_001.jpg)

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

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

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

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

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

PRPM 2025-RCF6 Due Diligence Narrative Report Page \| 22 November 14, 2025

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **PRPM 2025-RCF6** |
| **Start - End Dates:** | **3/29/2022** |
| **Deal Loan Count:** | **1** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *1* |
| ***Loans with Conditions:*** | *0* |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 135738 | XXXXXX CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The Borrower has resided in the current home for 15 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The Borrower has been Employed with the same employer for 29 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTIS is 39.48%; guideline maximum is 50%. |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **PRPM 2025-RCF6** |
| **Start - End Dates:** | **3/29/2022** |
| **Deal Loan Count:** | **1** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *1* |
| ***Loans with Conditions:*** | *0* |

---

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 135738 | XXXXXX | XXXXXX A | No |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **PRPM 2025-RCF6** |
| **Start - End Dates:** | **3/29/2022** |
| **Deal Loan Count:** | **1** |

---

**ATR QM Upload**

<br> *Loans in Report:* *1*

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 135738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3276 | Yes | Yes | 3.392 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.65 | 43.37 | 42.65 | 39.48 | 39.48 | 41.29 | No | No | (No Data) | 3776.6 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

<br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 258 | 259 | 260 | 261 | 262 | 263 | 264 |
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Appraiser First Name** | **Appraiser Last Name** | **Appraiser Certification/License #** |
| 135738 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | 1728.48 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 71.40 | 71.40 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | XXXXXX | (No Data) | Commitment Title | Fee Simple | XXXXXX | 56.58 | (No Data) | (No Data) | (No Data) | 200.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 200 | XXXX | 2 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 617 | 631 | 653 | 6240.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 631 | 6240 | 3776.6 | 38.24 | 39.48 | 2463.4 | 2386.4 | 71452.42 | 71452.42 | 71452.42 | XXXXXX | 71452.42 | 29.94 | 28.59 | Fully Amortized | 7.000 | 1841.37 | 40.05 | 41.29 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | PRPM 2025-RCF6 |
| **Start - End Dates:** | 3/29/2022 |
| **Deal Loan Count:** | 1 |
| **Valuations Summary** |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans in Report:* | *1* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 135738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 6**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **PRPM 2025-RCF6** |
| **Start - End Dates:** | **3/29/2022** |
| **Deal Loan Count:** | **1** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 7**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **PRPM 2025-RCF6** |
| **Start - End Dates:** | **3/29/2022** |
| **Deal Loan Count:** | **1** |

---

**Rating Agency ATR QM Data Fields**

<br> *Loans in Report:* *1*

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 135738 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9619.53 | XXXXXX | 7.3276 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

<br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_002.jpg)

![](ex99-5_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2025-RCF6**

**October 14, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

0 \| Page

![](ex99-5_002.jpg)

**TABLE OF CONTENTS**

 ****

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 13.0 |
| Tape Integrity Review Results Summary | 14.0 |
| Additional Loan Population Summary | 17.0 |
| Pay History Review | 19.0 |
| Methods for Accounting for Delinquencies | 24.0 |
| Collection Comments Review | 25.0 |
| Foreclosure | 26.0 |
| Bankruptcy | 27.0 |
| Tax and Title | 27.0 |
| Compliance Review | 28.0 |

---

1 \| Page

![](ex99-5_002.jpg)

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

2 \| Page

**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by BM-SC, LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The population reviewed is comprised of seven hundred and twenty-five (725) mortgage loans that were originally reviewed from June 2017 to September 2025.

**(2) Size of the assets reviewed.**

The mortgage loan review was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Compliance Review" 660 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Data Integrity" 725 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Servicing Review" 725 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Title Review" 657 Mortgage Loans

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

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

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

For seven hundred and twenty-five (725) mortgage loans, Infinity compared data fields on the bid tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Look back Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

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

Not Applicable

3 \| Page

![](ex99-5_002.jpg)

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

Not Applicable

**(7) Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for eleven (11) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity completed a Compliance Review on six hundred and sixty (660) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

<u>Qualified Mortgage</u>

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

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

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

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

 

<u>General Ability to Repay</u>

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

Six hundred and sixty (660) loans received a Compliance-Only review. This review included a review of the loan file and analysis of the corresponding Seller tape and defect to determine whether the Creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This review also includes, where applicable, a review of third-party records available in the loan file including but not limited to bank statements, tax returns, financial statements, W2s, VOEs, lease agreements, business licenses and appraisals.

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and DBRS, Inc. ("DBRS").

**OVERALL RESULTS SUMMARY (725 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements only covers seven hundred and twenty-five (725) mortgage loans. Within those mortgage loans, Infinity graded sixty-six (66) mortgage loans as "A", two hundred and fifty-four (254) mortgage loans as "B", thirty (30) mortgage loans as "C" and three hundred and ten (310) mortgage loans as "D".

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;66 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;254 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;254 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;30 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;310 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;310 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;38.48% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;38.48% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4.55% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;46.97% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;46.97% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;66 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;254 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;254 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;30 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;310 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;310 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;38.48% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;38.48% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4.55% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;46.97% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;46.97% |

---

13 \| Page

![](ex99-5_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** |
| &nbsp;&nbsp;**Event Level** | &nbsp;&nbsp;**Loan Counts** | &nbsp;&nbsp;**% of Total Sample** | &nbsp;&nbsp;**Original Loan Amount** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;$18917750.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;254 | &nbsp;&nbsp;38.48% | &nbsp;&nbsp;$85891079.93 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;30 | &nbsp;&nbsp;4.55% | &nbsp;&nbsp;$10949464.00 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;310 | &nbsp;&nbsp;46.97% | &nbsp;&nbsp;$114509945.95 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**660** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$230268239.88** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (725 MORTGAGE LOANS)**

Of the seven hundred and twenty-five (725) mortgage loans reviewed, 675 (93.10%) mortgage loans had tape discrepancies across one hundred and eight (108) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Age of Loan | &nbsp;&nbsp;160 | &nbsp;&nbsp;725 | &nbsp;&nbsp;22.07% |
| &nbsp;&nbsp;Amortization Term Months (CE, S&P) | &nbsp;&nbsp;6 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;Application Date (Baseline script version) | &nbsp;&nbsp;29 | &nbsp;&nbsp;725 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;ARM Index Margin Percent | &nbsp;&nbsp;13 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;ARM Index Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.38% |
| &nbsp;&nbsp;ARM Lifetime Cap Rate | &nbsp;&nbsp;4 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;ARM Lifetime Floor Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;B1 Self-Employed? | &nbsp;&nbsp;5 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;Balloon Indicator | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Bankruptcy (Post-Loan Origination)? | &nbsp;&nbsp;18 | &nbsp;&nbsp;725 | &nbsp;&nbsp;2.48% |
| &nbsp;&nbsp;Bankruptcy Filing Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Borrower #1 Middle Name | &nbsp;&nbsp;32 | &nbsp;&nbsp;725 | &nbsp;&nbsp;4.41% |
| &nbsp;&nbsp;Borrower #2 First Name | &nbsp;&nbsp;23 | &nbsp;&nbsp;725 | &nbsp;&nbsp;3.17% |
| &nbsp;&nbsp;Borrower #2 Last Name | &nbsp;&nbsp;15 | &nbsp;&nbsp;725 | &nbsp;&nbsp;2.07% |
| &nbsp;&nbsp;Borrower #2 Middle Name | &nbsp;&nbsp;14 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;307 | &nbsp;&nbsp;725 | &nbsp;&nbsp;42.34% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;43 | &nbsp;&nbsp;725 | &nbsp;&nbsp;5.93% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;50 | &nbsp;&nbsp;725 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Borrower's Income is impacted by Covid-19? | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Cash To Borrower (HUD-1 Line 303) | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Collections - Current Servicer (Enumerated) | &nbsp;&nbsp;8 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;COVID Deferral Start Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Current Bankruptcy Chapter | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Current Bankruptcy Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Current Foreclosure Status | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |

---

14 \| Page

![](ex99-5_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Current Legal Status | &nbsp;&nbsp;8 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Current Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Current Value | &nbsp;&nbsp;394 | &nbsp;&nbsp;725 | &nbsp;&nbsp;54.34% |
| &nbsp;&nbsp;Current Value Date | &nbsp;&nbsp;22 | &nbsp;&nbsp;725 | &nbsp;&nbsp;3.03% |
| &nbsp;&nbsp;Currently in Foreclosure? | &nbsp;&nbsp;10 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.38% |
| &nbsp;&nbsp;Debt Service Coverage Ratio (DSCR) | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Deferred Balance Amount | &nbsp;&nbsp;67 | &nbsp;&nbsp;725 | &nbsp;&nbsp;9.24% |
| &nbsp;&nbsp;Deferred Principal (Modification) per Payment History | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Did a Modification Change Note Terms? | &nbsp;&nbsp;14 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;Doc Date of Last Modification | &nbsp;&nbsp;52 | &nbsp;&nbsp;725 | &nbsp;&nbsp;7.17% |
| &nbsp;&nbsp;Does Lender G/L Require MI? | &nbsp;&nbsp;111 | &nbsp;&nbsp;725 | &nbsp;&nbsp;15.31% |
| &nbsp;&nbsp;Escrow Account Indicator | &nbsp;&nbsp;33 | &nbsp;&nbsp;725 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;Escrow Advance Balance per Payment History | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Escrow Balance per Payment History | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;21 | &nbsp;&nbsp;725 | &nbsp;&nbsp;2.90% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Forbearance Plan Start Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;HELOC Draw Period (Yrs) | &nbsp;&nbsp;14 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;HELOC Draw Period End Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.66% |
| &nbsp;&nbsp;Housing Ratio per U/W (Initial Rate) | &nbsp;&nbsp;93 | &nbsp;&nbsp;725 | &nbsp;&nbsp;12.83% |
| &nbsp;&nbsp;Interest Paid Through Date | &nbsp;&nbsp;30 | &nbsp;&nbsp;725 | &nbsp;&nbsp;4.14% |
| &nbsp;&nbsp;Is REO Active? | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Loan Amortization Type | &nbsp;&nbsp;36 | &nbsp;&nbsp;725 | &nbsp;&nbsp;4.97% |
| &nbsp;&nbsp;Loan Documentation Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.97% |
| &nbsp;&nbsp;Loan Original Maturity Term Months | &nbsp;&nbsp;22 | &nbsp;&nbsp;725 | &nbsp;&nbsp;3.03% |
| &nbsp;&nbsp;MERS MIN Number | &nbsp;&nbsp;23 | &nbsp;&nbsp;725 | &nbsp;&nbsp;3.17% |
| &nbsp;&nbsp;MI Company | &nbsp;&nbsp;11 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.52% |
| &nbsp;&nbsp;MI Coverage Amount | &nbsp;&nbsp;8 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Minimum Payment Rate Floor Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Mod Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Mod Step 1 Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Mod Step 1 P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Mod Step 1 Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Mod Step 2 Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Mod Step 2 Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Mod Step 3 Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Mod Step 3 Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Mod Step Indicator | &nbsp;&nbsp;16 | &nbsp;&nbsp;725 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;Modification First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Modification Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |

---

15 \| Page

![](ex99-5_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Modification Original Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Modification Stated Term | &nbsp;&nbsp;6 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.97% |
| &nbsp;&nbsp;Neg. Amort Potential? | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Number Of Units | &nbsp;&nbsp;3 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Occupancy at Origination (Property Usage Type) | &nbsp;&nbsp;11 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.52% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;41 | &nbsp;&nbsp;725 | &nbsp;&nbsp;5.66% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;47 | &nbsp;&nbsp;725 | &nbsp;&nbsp;6.48% |
| &nbsp;&nbsp;Original Balance (or Line Amount) | &nbsp;&nbsp;22 | &nbsp;&nbsp;725 | &nbsp;&nbsp;3.03% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;103 | &nbsp;&nbsp;725 | &nbsp;&nbsp;14.21% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;152 | &nbsp;&nbsp;725 | &nbsp;&nbsp;20.97% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;262 | &nbsp;&nbsp;725 | &nbsp;&nbsp;36.14% |
| &nbsp;&nbsp;Original Stated P&I | &nbsp;&nbsp;40 | &nbsp;&nbsp;725 | &nbsp;&nbsp;5.52% |
| &nbsp;&nbsp;Original Stated Rate | &nbsp;&nbsp;55 | &nbsp;&nbsp;725 | &nbsp;&nbsp;7.59% |
| &nbsp;&nbsp;Originator MERS ID | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Pay Change Frequency | &nbsp;&nbsp;3 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Payment History String | &nbsp;&nbsp;229 | &nbsp;&nbsp;725 | &nbsp;&nbsp;31.59% |
| &nbsp;&nbsp;Payment History String Reversed | &nbsp;&nbsp;8 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Periodic Pay Adjustment Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Prepayment Penalty Indicator | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Principal Balance Stated in Mod | &nbsp;&nbsp;4 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Property Address Street | &nbsp;&nbsp;86 | &nbsp;&nbsp;725 | &nbsp;&nbsp;11.86% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;8 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Property Postal Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Purpose of Refinance Per Application | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Purpose of Refinance Per HUD-1 | &nbsp;&nbsp;47 | &nbsp;&nbsp;725 | &nbsp;&nbsp;6.48% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;34 | &nbsp;&nbsp;725 | &nbsp;&nbsp;4.69% |
| &nbsp;&nbsp;Purpose Per Application | &nbsp;&nbsp;12 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.66% |
| &nbsp;&nbsp;Rate Adjustment Initial Cap Percent | &nbsp;&nbsp;3 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Referral Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;S&C Filing Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Sales Price (HUD-1 Line 101) | &nbsp;&nbsp;14 | &nbsp;&nbsp;725 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;Stated Maturity Date | &nbsp;&nbsp;72 | &nbsp;&nbsp;725 | &nbsp;&nbsp;9.93% |
| &nbsp;&nbsp;Stated Remaining Term | &nbsp;&nbsp;39 | &nbsp;&nbsp;725 | &nbsp;&nbsp;5.38% |
| &nbsp;&nbsp;Subject Property Detached/Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;42 | &nbsp;&nbsp;725 | &nbsp;&nbsp;5.79% |
| &nbsp;&nbsp;Subsequent Rate Adjustment Frequency | &nbsp;&nbsp;3 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Total Balance of Junior Lien(s) | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Total Debt / Legal Balance per Payment History | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |

---

16 \| Page

![](ex99-5_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Total Term Including Mod. Extensions | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Trial Modification Agreement in file? | &nbsp;&nbsp;1 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Unpaid Current Principal Balance (UPB) per Payment History | &nbsp;&nbsp;2 | &nbsp;&nbsp;725 | &nbsp;&nbsp;0.28% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (660 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;609 | &nbsp;&nbsp;92.27% | &nbsp;&nbsp;$211341104.61 | &nbsp;&nbsp;91.78% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;46 | &nbsp;&nbsp;6.97% | &nbsp;&nbsp;$18051930.27 | &nbsp;&nbsp;7.84% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.76% | &nbsp;&nbsp;$875205.00 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**660** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$230268239.88** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;632 | &nbsp;&nbsp;95.76% | &nbsp;&nbsp;$227798658.88 | &nbsp;&nbsp;98.93% |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;28 | &nbsp;&nbsp;4.24% | &nbsp;&nbsp;$2469581.00 | &nbsp;&nbsp;1.07% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**660** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$230268239.88** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% | &nbsp;&nbsp;$462000.00 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown | &nbsp;&nbsp;106 | &nbsp;&nbsp;16.06% | &nbsp;&nbsp;$27998476.30 | &nbsp;&nbsp;12.16% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;261 | &nbsp;&nbsp;39.55% | &nbsp;&nbsp;$91188456.00 | &nbsp;&nbsp;39.60% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;186 | &nbsp;&nbsp;28.18% | &nbsp;&nbsp;$79191570.00 | &nbsp;&nbsp;34.39% |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;90 | &nbsp;&nbsp;13.64% | &nbsp;&nbsp;$24921522.63 | &nbsp;&nbsp;10.82% |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.36% | &nbsp;&nbsp;$5263700.00 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.06% | &nbsp;&nbsp;$1242514.95 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**660** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$230268239.88** | &nbsp;&nbsp;**100.00%** |

---

17 \| Page

![](ex99-5_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.61% | &nbsp;&nbsp;$835400.00 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;161 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% | &nbsp;&nbsp;$40085.90 | &nbsp;&nbsp;0.02% |
| &nbsp;&nbsp;165 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% | &nbsp;&nbsp;$32673.16 | &nbsp;&nbsp;0.01% |
| &nbsp;&nbsp;180 Months | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;$3242118.00 | &nbsp;&nbsp;1.41% |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;20 | &nbsp;&nbsp;3.03% | &nbsp;&nbsp;$6165898.68 | &nbsp;&nbsp;2.68% |
| &nbsp;&nbsp;283 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% | &nbsp;&nbsp;$74435.56 | &nbsp;&nbsp;0.03% |
| &nbsp;&nbsp;300 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.61% | &nbsp;&nbsp;$726777.75 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;312 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% | &nbsp;&nbsp;$367500.00 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;348 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$1191200.00 | &nbsp;&nbsp;0.52% |
| &nbsp;&nbsp;352 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% | &nbsp;&nbsp;$1364000.00 | &nbsp;&nbsp;0.59% |
| &nbsp;&nbsp;356 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% | &nbsp;&nbsp;$151500.00 | &nbsp;&nbsp;0.07% |
| &nbsp;&nbsp;359 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$330920.90 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;577 | &nbsp;&nbsp;87.42% | &nbsp;&nbsp;$208503134.36 | &nbsp;&nbsp;90.55% |
| &nbsp;&nbsp;480 Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$3361958.57 | &nbsp;&nbsp;1.46% |
| &nbsp;&nbsp;Blank | &nbsp;&nbsp;21 | &nbsp;&nbsp;3.18% | &nbsp;&nbsp;$3880637.00 | &nbsp;&nbsp;1.69% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**660** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$230268239.88** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;558 | &nbsp;&nbsp;84.55% | &nbsp;&nbsp;$197708998.88 | &nbsp;&nbsp;85.86% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;33 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;$12571982.00 | &nbsp;&nbsp;5.46% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;69 | &nbsp;&nbsp;10.45% | &nbsp;&nbsp;$19987259.00 | &nbsp;&nbsp;8.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**660** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$230268239.88** | &nbsp;&nbsp;**100.00%** |

---

18 \| Page

![](ex99-5_002.jpg)

**PAY HISTORY REVIEW**

Infinity performed a collection comment, pay history, Pacer, and servicing information review on seven hundred and twenty-five (725) loans within this pool. The following is a summary of our conclusions and findings surrounding this analysis. Please keep in mind that this review did not include an operational or gap audit to look for servicing practices and vendor management process governance as it relates to foreclosure and/or bankruptcy.

Infinity reviewed the servicer payment history for each loan to establish a payment activity and history string. Infinity reviewed the payment application and determined how it impacted the contractual due dates on the loans in the portfolio with the primary focus of determining cash flows, last payment received, payment string, and next payment due (not to exclude escrow, late, and servicing charges) information based on the as of dates of the payment histories received.

A breakdown of the loans and as of dates for the review are below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Pay History** | &nbsp;&nbsp;**Pay History** |
| &nbsp;&nbsp;**As of Date** | &nbsp;&nbsp;**Total Loans** |
| &nbsp;&nbsp;5/17/2017 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/14/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/8/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/7/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/9/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/31/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;9/5/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/9/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/11/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/16/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/20/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/27/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/30/2024 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;10/3/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/4/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;10/7/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/9/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/10/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/14/2024 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;10/16/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;10/17/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/24/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/28/2024 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;10/30/2024 | &nbsp;&nbsp;1 |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;10/31/2024 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;11/1/2024 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;11/3/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/5/2024 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;11/6/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/7/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/8/2024 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;11/13/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/18/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;11/19/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;11/20/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/22/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/25/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/30/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/2/2024 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;12/3/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/6/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/10/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/11/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/13/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;12/16/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/17/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/23/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/24/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/31/2024 | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;1/2/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/6/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;1/9/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/13/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/15/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/16/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/17/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/21/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/22/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/23/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/31/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/1/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/3/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/4/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/5/2025 | &nbsp;&nbsp;1 |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;2/6/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/7/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/13/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/14/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/20/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/21/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/24/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/25/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/26/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/27/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;2/28/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;3/1/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/3/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/4/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;3/5/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/6/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;3/7/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;3/9/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/10/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/12/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;3/13/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;3/17/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/18/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/20/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;3/21/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/24/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/25/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;3/26/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/28/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/31/2025 | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;4/1/2025 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;4/3/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/4/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;4/7/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;4/8/2025 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;4/9/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/10/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;4/15/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;4/16/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/24/2025 | &nbsp;&nbsp;1 |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;4/30/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;5/1/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/2/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/5/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;5/7/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;5/13/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;5/14/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;5/15/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;5/16/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;5/19/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/21/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;5/23/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;5/26/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;5/27/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;5/28/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;5/29/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;5/30/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;5/31/2025 | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;6/1/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;6/2/2025 | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;6/3/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;6/4/2025 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;6/5/2025 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;6/6/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;6/7/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;6/9/2025 | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;6/10/2025 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;6/11/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;6/12/2025 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;6/13/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;6/14/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;6/16/2025 | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;6/17/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;6/18/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;6/23/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;6/24/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;6/25/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;6/26/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;6/27/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;6/30/2025 | &nbsp;&nbsp;4 |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;7/1/2025 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;7/2/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;7/3/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;7/6/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;7/7/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;7/8/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;7/9/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;7/10/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;7/11/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;7/14/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;7/15/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;7/16/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;7/17/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;7/18/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;7/22/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;7/23/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;7/28/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;7/29/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;7/30/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;7/31/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;8/1/2025 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;8/2/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/4/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;8/5/2025 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;8/6/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;8/7/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;8/8/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/11/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;8/12/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;8/13/2025 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;8/14/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;8/15/2025 | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;8/17/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;8/18/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;8/20/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;8/21/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;8/22/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;8/24/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/26/2025 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;8/27/2025 | &nbsp;&nbsp;4 |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;8/29/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;9/2/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/3/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/4/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;9/8/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/9/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;9/11/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/17/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/22/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**725** |

---

Data points surrounding 24 months of payment history (as defined as the most recent 24 months available during the period of May 2017 to September 2025) were also collected to determine loan status and data integrity. Infinity identified minor discrepancies between the servicer's payment string and the audited payment string and determined that Client was able to provide an explanation, when applicable, for any noted discrepancies. Based on our analysis, Infinity determined that the majority of the loans were found to be performing.

**METHODS OF ACCOUNTING FOR DELINQUENCIES**

The client utilizes the MBA method of defining delinquency status, which is typical in the current market. Below is a table that represents the delinquency coding methodology used during our analysis.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Delinquency String** | &nbsp;&nbsp;**Delinquency Reason** |
| &nbsp;&nbsp;0 | &nbsp;&nbsp;Less than 30 Days |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;30 – 59 Days |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;60 – 89 Days |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;90 – 119 Days |
| &nbsp;&nbsp;4 | &nbsp;&nbsp;120+ Days |

---

**Payment Posting**

During the review, Infinity was able to isolate key payment transaction codes that identified payment receipt and helped to determine whether the transactions were posted with an accurate "effective date". The net payment amount received and applied to the account including principal, interest, and escrow payments represent activity through month end and include payment reversals.

**Partial Payments**

In the event that a payment received from the borrower is less than the contractual amount due, there are two types of processes used by sellers to handle partial payments: 1) the balance of the payment would be "advanced" to the borrower, or 2) the payment was applied directly to unapplied funds / suspense account.

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In the second scenario, the funds are applied to the suspense account, and not the account balance, and therefore the amount of such payment is not recorded as an actual payment in the Client system. The funds may then be held in suspense until the full contractual payment was received.

**Escrow/Corporate Advance Payments** **<sup>1</sup>**

*Escrow:* The escrow account and/or balance will show funds held in trust to pay taxes and/or insurance. A negative balance indicates that funds have been advanced.

 

*Corporate Advance:* Infinity did not perform a reconciliation of the corporate advances, but did document the total dollar amount of fees advanced by the servicer and made observations in regards to the application of payments made toward the reduction of outstanding balances as represented in the payment history.<sup>2</sup>

**COLLECTION COMMENTS REVIEW**

In addition to analyzing payments made to the loans within this pool, Infinity also reviewed the servicing commentary to determine the reason(s) for any documented underperformance of the asset and to identify any indication of potential re-performance.

Infinity will review the servicing history for evidence of mortgage delinquency and for indicators of potential for future delinquency. The Servicing review will include but not necessarily be limited to:

✔ The source data is generally a pdf, text file, or direct access to the servicer's system.

---

| | |
|:---|:---|
| ✔ | 24 months of Servicing Comments: Infinity reviewed the services account history for evidence of borrower communication, collection efforts, NSF and late notices and indicators of potential for future default. Any references of borrower misrepresentation or distressed property conditions were documented with an exception. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Servicing commentary was analyzed
to determine the reason for the asset's underperformance and to identify clues regarding the potential risk for the loan and their
ability to re-perform in the future. Additionally, distressed property conditions, occupancy issues, origination misrepresentations, etc.
were identified through the review of these servicing/collection comments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Property conditions were reviewed
to determine if there were any risks to the collateral.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The current status of the loan of
Loss Mitigation, Bankruptcy, Foreclosure, and/or SCRA was isolated to show the loan status. We verified the Bankruptcy via Pacer. Infinity
followed the following methodology when assigning a delinquency status:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Performing:* Current or less than 30 days past due

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Delinquent in Collection:* At least 30 days past due and
may include loans in bankruptcy or forbearance plans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *In Bankruptcy and may include:* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o *BK-Current:* Current, but comments indicate an active bankruptcy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o *BK-Delinquent*: Delinquent, comments also indicate active
bankruptcy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For Bankruptcy reviews we reviewed the documents and information
provider by Pacer – we obtained key documents from the PACER system to include (if available) – Document History page, Case
Summary, Motion for Relief from Stay, Granted Motion, Employee Income Records, Order Confirming Chapter
13 Plan, Proof of Claim for subject loan, and Chapter 13 Plan.

<sup>1</sup> Corporate advances may be deferred until the end of the loan and may not be recoverable.

<sup>2</sup> Client noted that some funds were not separately categorized at the time of the review due multiple servicers handing the loans.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Loss Mitigation*: Delinquent, loan is with loss mitigation
department working on resolutions with borrower such as modification, short sale, refinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Foreclosure*: Delinquent, foreclosure process is underway

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *REO:* Foreclosure sale has occurred, property is bank owned

✔ Modification Data: Infinity captured Note data for most recent modification where applicable.

---

| | |
|:---|:---|
| ✔ | Exit Strategy: Infinity reviewed the complete loan file to determine the most effective exit strategy by bucketing loans into various strategic categories. We analyze the current value, income, and the borrower's overall willingness to stay in the home and pay their loan obligations. Those customers who contact the creditor to seek information, explanation of the amount due and/or inquire about or attempt make a payment require customer service. With this information, one will be able to effectively perform a modification, forbearance plan, or select a refinancing and/or cram down option. |

---

---

| | |
|:---|:---|
| ⮚ | Unfortunately, not every borrower showed the willingness and ability to keep the subject property. Those customers who did not respond and attempted to avoid or delay payment for as long as possible require collection enforcement. In cases like this, Infinity reviewed the file for the best course of action is to minimize any more losses by either taking a short sale, Deed in Lieu or by taking the property to liquidation by foreclosure. |

---

Based on the comments reviewed within the collection comments, Infinity has categorized the portfolio as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** |
| &nbsp;&nbsp;**Servicing Status** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage of<br> Sample** | &nbsp;&nbsp;**Original Balance (or Line<br> Amount)** | &nbsp;&nbsp;**Percentage of<br> Balance** |
| &nbsp;&nbsp;Bankruptcy | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.38% | &nbsp;&nbsp;$1993472.90 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Collections | &nbsp;&nbsp;25 | &nbsp;&nbsp;3.45% | &nbsp;&nbsp;$8345828.27 | &nbsp;&nbsp;3.26% |
| &nbsp;&nbsp;Foreclosure | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.28% | &nbsp;&nbsp;$476000.00 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;3rd Party Sale | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Payment Plan | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% | &nbsp;&nbsp;$220990.00 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Performing | &nbsp;&nbsp;686 | &nbsp;&nbsp;94.62% | &nbsp;&nbsp;$244994050.71 | &nbsp;&nbsp;95.62% |
| &nbsp;&nbsp;Charge Off | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Paid in Full | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% | &nbsp;&nbsp;$192700.00 | &nbsp;&nbsp;0.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**725** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$256223041.88** | &nbsp;&nbsp;**100.00%** |

---

**FORECLOSURE**

Client servicing comments indicated multiple items to assist with determining this status either a system generated breach letter was issued, if the loan was referred to a foreclosure review committee, approved to proceed, or if the loan was assigned to outside counsel or the updated title provided details of a Lis Pendens. Based on the collection comments, Infinity determined that there were no loans that indicated some type of Foreclosure action.

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**BANKRUPTCY**

Collection comments indicate that the most available action showed loans had bankruptcy at one time. Some loans bankruptcy includes efforts for a motion for relief and proof of claim filings. However, comments that relate to filing the proof of claim, 341 meeting, and motions were not found on all loans, so it was difficult to determine the full action or status as related to the bankruptcy process. Infinity determined that there were forty-seven (47) loans (6.48%) that indicated some type of Bankruptcy action. Overall, the loans with a bankruptcy status were summarized as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** |
| &nbsp;&nbsp;**Servicing Status** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage of<br> Sample** | &nbsp;&nbsp;**Original Balance (or Line<br> Amount)** | &nbsp;&nbsp;**Percentage<br> of Balance** |
| &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;678 | &nbsp;&nbsp;93.52% | &nbsp;&nbsp;$246205749.39 | &nbsp;&nbsp;96.09% |
| &nbsp;&nbsp;Plan Confirmed | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.97% | &nbsp;&nbsp;$1291472.90 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;Discharged | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.86% | &nbsp;&nbsp;$6331337.77 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;Dismissed | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.24% | &nbsp;&nbsp;$1692481.82 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Lift Stay | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% | &nbsp;&nbsp;$459000.00 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Proof of Claim | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% | &nbsp;&nbsp;$115000.00 | &nbsp;&nbsp;0.04% |
| &nbsp;&nbsp;Petition Filed | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.14% | &nbsp;&nbsp;$128000.00 | &nbsp;&nbsp;0.05% |
| &nbsp;&nbsp;Stipulated Agreement | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Referred to Attorney | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**725** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$256223041.88** | &nbsp;&nbsp;**100.00%** |

---

**TAX AND TITLE**

Infinity performed a limited-scope review of recent title reports provided by the client's vendor (reports provided by Pro-Title). Based on the title report, we captured the current lien position, potential assignment chain concerns, concerns with recordation and legal ownership; and any current and delinquent taxes. We noted liens and itemized liens up to 2 Senior and 3 Junior (all others will be summarized in the title findings summary).

We reviewed the subject file as provided by the client/seller and determine if the HUD and Title work performed at origination would indicate coverage and/or lien risk. These documents were used to offset items noted on the current title report which may lower the client's/loan level risk.

If any issue was identified the client was made aware and has made arrangements to assure the curative action has been taken. Based on the review, it was determined that there were no non-curable significant issues on the mortgaged properties.

27 \| Page

**<u>Tax/Municipal Portion</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Type of Taxes – Current or Delinquent** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Current with all Taxes | &nbsp;&nbsp;621 |
| &nbsp;&nbsp;Delinquent at the time of the review<sup>3</sup> | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Tax information unavailable | &nbsp;&nbsp;0 |

---

**<u>Title/Lien Portion</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Lien Level Review** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;First Lien | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Second Lien <sup>4</sup> | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Other Lien <sup>5</sup> | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**657** |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Type of Liens** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;HOA Lien in Super Lien State | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Municipal Lien in Super Lien State | &nbsp;&nbsp;9 |

---

**COMPLIANCE REVIEW<sup>6</sup>**

Infinity performed a compliance review on all of the loans in the sample in order to verify that each loan was originated in compliance with applicable federal, state and local anti-predatory lending statutes. If a loan was found to exceed applicable thresholds, additional testing was conducted to confirm additional criteria were met, and proper disclosure was provided to the borrower.

To accomplish this, Infinity captured all itemized closing fees as shown on the final HUD-1, or other acceptable settlement statement, as well as other data elements necessary to generate accurate high-cost threshold testing results. Annual Percentage Rates were recalculated based on the actual data in the file.<sup>7</sup>

Each mortgage loan file was tested for compliance with the federal Truth in Lending Act ("TILA"), as well as federal, state and local anti-predatory lending statutes.

<sup>3</sup> Any delinquent tax amounts were addressed by the Servicer in accordance with its standard servicing procedures in order to ensure that the senior lien of the related Mortgage is maintained on the related Mortgaged Property. In addition to the Title Review conducted by the Infinity at the time of acquisition, the Servicer is monitoring the Mortgage Loans to check for delinquent taxes on the related Mortgaged Properties.

<sup>4</sup> The client has made arrangements to perfect the lien level issues- by corrective recording action, title claims, or lien release actions.

<sup>5</sup> The client has made arrangements to perfect the lien level issues- by corrective recording action, title claims, or lien release actions.

<sup>6</sup> Note that compliance exceptions outside the statute of limitations were considered a non-critical exception for purposes of this review.

<sup>7</sup> Note that loans had rate documentation and those parameters were analyzed for adherence to federal, state and local rate thresholds by utilizing the disclosed APR on the final Truth in Lending Disclosure found in the file.

28 \| Page

![](ex99-5_002.jpg)

The Section 32/HOEPA<sup>8</sup> review included, but was not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Rate test

&nbsp;&nbsp;&nbsp;&nbsp;· HPML test, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;· Points and Fees test

&nbsp;&nbsp;&nbsp;&nbsp;· Review of Section 32 disclosure for
accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;· Review and confirmation of documentation
type (i.e. full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;· Review for evidence of prepayment
penalty

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of Debt-to-Income conformity,
when necessary.

The Federal Truth in Lending Act/Regulation Z review includes, but is not necessarily limited to:

&nbsp;&nbsp;&nbsp;&nbsp;· A review of the material compliance
disclosures set forth in the Truth in Lending Disclosure and the Notice of Right to Cancel form, if applicable. A review final TIL with
a report outlining any TILA violations. Re-calculation of disclosed finance charge, proper execution by all required parties, principal
and interest calculations, payment stream(s), recalculation of disclosed APR, and a review to ensure disclosure differences are within
the allowed tolerances. A review of the Notice of Right to Cancel: verification of the transaction date and expiration date, ensures proper
execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission
period was adequately provided to the borrower(s).

Infinity reviewed six hundred and sixty (660) loan files and found the loans to be generally compliant with applicable laws or outside any statute of limitation (SOL). There were total of eighty-four (84) loans that were not tested for compliance of which nine (9) loans that were missing HUD Settlement Statement, sixty-seven (67) loans were Investment Properties or exempted and eight (8) loans were originated as second lien.

The following is a detailed breakdown of the findings for the loans noted:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Active Compliance Exceptions** | &nbsp;&nbsp;**Active Compliance Exceptions** |
| &nbsp;&nbsp;**Standard Exception** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Prepayment Penalty Rider Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Finance Charge Under Disclosed | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Missing Final TIL | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Missing Right to Cancel Form or not properly executed | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Missing HUD-1/CD<sup>9</sup> | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Missing documents (unable to test for compliance)<sup>10</sup> | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Georgia Fair Lending Act - GAFLA<sup>11</sup> | &nbsp;&nbsp;0 |

---

<sup>8</sup> There is a 3-year statute of limitations for affirmative claims and the position is that assigned liability is quite limited thereafter. That said, many states allow actions in recoupment. This is where the holder institutes foreclosure after 3 years and the SOL is tolled and counterclaims allowed, basically for the life of the loan. If the borrower prevailed damages could be as high as the full amount of the loan.

<sup>9</sup> We had fifteen (15) missing and unexecuted HUDs and were not able to run compliance on nine (9). For remaining six (6) missing HUDs; five (5) had run using the TIL itemizations/ Estimated HUDs/ improperly scanned copy and one (1) was investment property.

<sup>10</sup> Loans that could not be tested due to lack of missing documentation.

<sup>11</sup> The Georgia Fair Lending Act (GAFLA) was originally signed into law on April 22, 2002, became effective on October 1, 2002, and was subsequently amended on March 7, 2003. This law had a significant impact on Georgia residential mortgage lending and brokering activities. These passed the APR and Fees and Points Threshold. None loans have been identified in pool that is originated within GAFLA Period.

29 \| Page

![](ex99-5_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Ability to Repay<sup>12</sup> | &nbsp;&nbsp;83 |
| &nbsp;&nbsp;Texas Constitution Section 50(a)(6) Home Equity Mortgage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Texas Constitution Section 50(a)(6) Evidentiary Finding | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost loans outside SOL | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost No Assignee Liability | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost Not-compliant | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost (compliant) | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost inconclusive<sup>13</sup> | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;HOEPA High Cost Not-compliant<sup>14</sup> | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;HOEPA (compliant) | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;HOEPA inconclusive | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;RESPA and TILA issues | &nbsp;&nbsp;105 |
| &nbsp;&nbsp;APR Under Disclosed | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Missing Rate sheet/Discount Point Acknowledgement | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Loan proceeds disbursed prior to the expiration of the rescission period. | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Higher-Priced Mortgage (compliant) | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;Higher-Priced Mortgage Not-compliant | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Higher-Priced Mortgage inconclusive | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Qualified Mortgage DTI exceeds 43% | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Regulation Fail | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**460** **<sup>15</sup>** |

---

Note that compliance exceptions outside the statute of limitations were considered a non-critical exception for purposes of this review. Infinity identified eighty (80) loans with Truth in Lending Act (TILA) related exceptions that fell outside the three (3) year statute of limitations<sup>16</sup>.

Infinity did not identify a significant number of prepayment penalties for nonconformity to state guidelines. Some loans were originated by federally chartered lenders that took advantage of the preemptive authority of DIDMCA and AMTPA. Under these circumstances, the prepayment penalty provision was considered exempt from any state statutory limitations. If a loan was not exempt due to a preemption claim, it was Client practice to lower the prepayment penalty to the statutory limit.

<sup>12</sup> We are unable to verify code Special Feature Code 147 or determine if it falls under the safe harbor and truly fails ATR.

<sup>13</sup> Each of these were not tested to exceed state APR and/or points and fees thresholds, but rather could not be definitively tested due to lack of documentation in the loan files regarding discount points.

<sup>14</sup> These are included in the pool based on the mitigating factors (namely seasoning and performance).

<sup>15</sup> This is the total number of items and not total number of loans.

<sup>16</sup> On the one hundred and three (103) Infinity is noting the TILA violation, itself. These refer to under disclosures and missing TILA documents. Infinity was not referring to the other RESPA related documents, GFE, Mortgage Disclosures, Affiliated Business Disclosure, Initial Escrow Statement, and Servicing Transfer Statement. There were some loans that failed both for Under Disclosed fees and points and APR.

30 \| Page

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

**Data Compare**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan Number** | **Review Type** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 50221095 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| 50221095 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 14.509% | 14.510% | -0.001% | -0.00100% | Housing ratio per U/W is 14.509% | Initial |
| 50221095 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 30 | 330 | 1100.00000% | Loan original maturity term 360 | Initial |
| 50221095 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 44 (Days) |  | Original Note Doc Date is xx | Initial |
| 27113785 | xx | Full Review | xx | Borrower DTI Ratio Percent | 39.249% | 39.000% | 0.249% | 0.24900% | Borrower DTI Ratio Percent is 39.249% | Initial |
| 27113785 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 29.154% | 29.000% | 0.154% | 0.15400% | Housing Ratio per U/W (Initial Rate) is 29.154% | Initial |
| 27113785 | xx | Full Review | xx | Stated Remaining Term | 351 | 350 | 1 | 0.28571% | Stated Remaining Term is 351 | Initial |
| 31324657 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 31324657 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -21 (Days) |  | Original Appraisal Date is xx | Initial |
| 59426649 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 59426649 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 59426649 | xx | Full Review | xx | Subject Property Detached/Attached | Detached | Attached |  |  | Appraisal report reflects property detached. | Initial |
| 85774183 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | NA | Initial |
| 85774183 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.342% | 48.000% | 0.342% | 0.34200% | DTI is 48.342%. | Initial |
| 85774183 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 3.63636% | Appraisal value is xx. | Initial |
| 85774183 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | Note date is xx. | Initial |
| 80392639 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | No | Yes |  |  |  | Initial |
| 80392639 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #1 Middle Name is xx. | Initial |
| 80392639 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 80392639 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current Value Date is Not Applicable | Initial |
| 80392639 | xx | Full Review | xx | Mortgage Type | FHA | Conventional |  |  | Mortgage Type is FHA | Initial |
| 80392639 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 86419025 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does required MI cert. | Initial |
| 86419025 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.58100% | Original CLTV ratio percent is xx. | Initial |
| 86419025 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.58100% | Original standard LTV is xx. | Initial |
| 86419025 | xx | Full Review | xx | Originator MERS ID | xx | xx |  |  | Originator MERS Id xx. | Initial |
| 67025928 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 67025928 | xx | Full Review | xx | Does Lender G/L Require MI? | Yes | No |  |  |  | Initial |
| 89235971 | xx | Full Review | xx | Amortization Term Months (CE, S&P) | 360 | 480 | -120 | -25.00000% |  | Initial |
| 89235971 | xx | Full Review | xx | Borrower DTI Ratio Percent | 33.500% | 33.501% | -0.001% | -0.00100% |  | Initial |
| 89235971 | xx | Full Review | xx | Payment History String | 000000044444444321044321 | 000000123450123456XXXXX0 |  |  |  | Initial |
| 89235971 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Debt consolidation |  |  |  | Initial |
| 89235971 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |  | Initial |
| 89235971 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 4354 (Days) |  |  | Initial |
| 45958159 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 0.54389% | As per loan documents original appraisal value is xx. | Initial |
| 45958159 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 1.74983% | As per loan documents original balance is xx. | Initial |
| 45958159 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.52100% | As per loan documents CLTV is xx. | Initial |
| 45958159 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.52100% | As per loan documents LTV is xx. | Initial |
| 34835937 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.565% | 80.161% | -30.596% | -30.59600% | Borrower DTI ratio percent is 49.531%. | Initial |
| 34835937 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | Does lender G/L require MI is not applicable. | Initial |
| 77607804 | xx | Full Review | xx | Age of Loan | 13 | 15 | -2 | -13.33333% | Age of loan reflects 13. | Initial |
| 77607804 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | As per note borrower #2 first name reflects xx. | Initial |
| 77607804 | xx | Full Review | xx | Borrower #2 Last Name | xx | xx |  |  | As per note borrower #2 last name reflects xx. | Initial |
| 77607804 | xx | Full Review | xx | Borrower #2 Middle Name | Not Applicable | xx |  |  | N/A. | Initial |
| 77607804 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | As per note borrower first name reflects xx. | Initial |
| 77607804 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | As per note borrower last name reflects xx. | Initial |
| 77607804 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 77607804 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 77607804 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator reflects yes. | Initial |
| 77607804 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original note date reflects xx. | Initial |
| 77607804 | xx | Full Review | xx | Original Stated Rate | 6.99000% | 5.99000% | 1.00000% | 1.00000% | Stated rate reflects 6.990%. | Initial |
| 77607804 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -31 (Days) |  | Maturity date xx. | Initial |
| 68432185 | xx | Full Review | xx | Age of Loan | 3 | 6 | -3 | -50.00000% | Age of loan is 3. | Initial |
| 68432185 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.489% | 42.341% | 5.15% | 5.14800% | BWR DTI ratio percent is 47.489%. | Initial |
| 68432185 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 68432185 | xx | Full Review | xx | Does Lender G/L Require MI? | Yes | No |  |  | MI is yes. | Initial |
| 68432185 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account available. | Initial |
| 68432185 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 1 (Days) |  | Original note date is xx. | Initial |
| 68432185 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -30 (Days) |  | Stated maturity date is xx. | Initial |
| 43340293 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 63 (Days) |  | Application date is xx. | Initial |
| 43340293 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.809% | 49.810% | -0.001% | -0.00100% | Borrower DTI ratio percent is 49.809%. | Initial |
| 43340293 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 31.232% | 31.230% | 0.002% | 0.00200% | Housing ratio per U/W is 31.232%. | Initial |
| 43340293 | xx | Full Review | xx | MI Coverage Amount | 18.000% | 30.000% | -12.000% | -12.00000% | MI coverage amount is 18.000%. | Initial |
| 43340293 | xx | Full Review | xx | Modification Stated Term | Not Applicable | 360 |  |  |  | Initial |
| 43340293 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.42100% | Original CLTV is xx. | Initial |
| 43340293 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 2.30000% | Original standard LTV is xx. | Initial |
| 43340293 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | xx. | Initial |
| 91199706 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 36 (Days) |  | As per loan documents application date is xx. | Initial |
| 91199706 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.583% | 43.580% | 0.003% | 0.00300% | As per loan documents DTI is 43.582%. | Initial |
| 91199706 | xx | Full Review | xx | Does Lender G/L Require MI? | Yes | No |  |  | NA. | Initial |
| 91199706 | xx | Full Review | xx | Modification Stated Term | Not Applicable | 360 |  |  |  | Initial |
| 91199706 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.50000% | As per loan documents CLTV is xx. | Initial |
| 91199706 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -1.40000% | As per loan documents LTV is xx. | Initial |
| 91199706 | xx | Full Review | xx | Stated Remaining Term | 335 | 336 | -1 | -0.29761% | NA. | Initial |
| 27371279 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 37 (Days) |  | As per loan documents application date is xx. | Initial |
| 27371279 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.927% | 47.930% | -0.003% | -0.00300% | As per loan documents DTI is 47.927%. | Initial |
| 27371279 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | As per loan documents borrower's last name is xx. | Initial |
| 27371279 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 39.648% | 39.650% | -0.002% | -0.00200% | As per loan documents housing ratio is 39.648%. | Initial |
| 27371279 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 2.50307% | As per loan documents original P&I is xx. | Initial |
| 27371279 | xx | Full Review | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 27371279 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | As per loan documents property type is PUD. | Initial |
| 2407639 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 20 (Days) |  | Application date is xx. | Initial |
| 2407639 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.384% | 55.830% | -7.446% | -7.44600% | Borrower DTI ratio is 48.384%. | Initial |
| 2407639 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Subject loan is escrowed. | Initial |
| 2407639 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 27.004% | 27.460% | -0.456% | -0.45600% | Housing ratio is 27.004%. | Initial |
| 2407639 | xx | Full Review | xx | Modification Stated Term | Not Applicable | 360 |  |  | NA. | Initial |
| 2407639 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 2.80000% | Original LTV ratio is xx. | Initial |
| 2407639 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 12255483 | xx | Full Review | xx | Age of Loan | 0 | 2 | -2 | -100.00000% | 0 | Initial |
| 12255483 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 12255483 | xx | Full Review | xx | Prepayment Penalty Indicator | No | Yes |  |  | NA | Initial |
| 33849650 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 49 (Days) |  | Application Date (Baseline script version) is xx | Initial |
| 33849650 | xx | Full Review | xx | Borrower DTI Ratio Percent | 37.176% | 44.356% | -7.180% | -7.18000% | Borrower DTI Ratio Percent is 37.209% | Initial |
| 33849650 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 28.420% | 30.537% | -2.117% | -2.11700% | Housing Ratio Per U/W (Initial Rate) is 28.445% | Initial |
| 33849650 | xx | Full Review | xx | Modification Stated Term | Not Applicable | 360 |  |  |  | Initial |
| 33849650 | xx | Full Review | xx | Stated Remaining Term | 353 | 357 | -4 | -1.12044% | Stated Remaining Term is 353 | Initial |
| 22581063 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 22581063 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -4 (Days) |  | Original Note Doc Date is xx | Initial |
| 22581063 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | Sales Price (HUD-1 Line 101) is Not Applicable | Initial |
| 22581063 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 4048 (Days) |  | Stated Maturity Date is xx | Initial |
| 46215225 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.573% | 56.994% | -13.421% | -13.42100% | DTI is 43.573% | Initial |
| 96207443 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.623% | 63.085% | -18.462% | -18.46200% | Borrower DTI Ratio Percent is 44.623% | Initial |
| 96207443 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 96207443 | xx | Full Review | xx | MI Coverage Amount | 25.000% | 181.800% | -156.800% | -156.80000% | MI Coverage Amount is 25.000% | Initial |
| 96207443 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 4168 (Days) |  | Stated Maturity Date is xx | Initial |
| 96207443 | xx | Full Review | xx | Stated Remaining Term | 478 | 7 | 471 | 6728.57142% | Stated Remaining Term is 478 | Initial |
| 99443005 | xx | Full Review | xx | Age of Loan | 9 | 11 | -2 | -18.18181% | Age of loan is 9. | Initial |
| 99443005 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.949% | 49.950% | -0.001% | -0.00100% | Borrower DTI ratio percent is 49.949%. | Initial |
| 99443005 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 99443005 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 1.92307% | Original appraised value is xx. | Initial |
| 99443005 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original note doc date is xx. | Initial |
| 52390121 | xx | Full Review | xx | Age of Loan | 0 | 1 | -1 | -100.00000% | Age of Loan is 0 | Initial |
| 52390121 | xx | Full Review | xx | Borrower DTI Ratio Percent | 45.413% | 42.500% | 2.913% | 2.91300% | Borrower DTI Ratio Percent is 45.413% | Initial |
| 52390121 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 52390121 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 32.171% | 30.110% | 2.061% | 2.06100% | Housing Ratio per U/W (Initial Rate) is 32.171% | Initial |
| 52390121 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 58429763 | xx | Full Review | xx | Borrower DTI Ratio Percent | 46.377% | 48.530% | -2.153% | -2.15300% | Borrower DTI ratio percent is 46.377%. | Initial |
| 58429763 | xx | Full Review | xx | MI Coverage Amount | 25.000% | 101.000% | -76.000% | -76.00000% | MI coverage amount is 25%. | Initial |
| 15768167 | xx | Full Review | xx | Borrower DTI Ratio Percent | 28.490% | 29.907% | -1.417% | -1.41700% | Borrower DTI ratio percent is 28.490% | Initial |
| 15768167 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 5.88235% | Original appraised value is xx. | Initial |
| 15768167 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 1.74984% | Original balance (or Line Amount) is xx | Initial |
| 15768167 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -3.70800% | Original CLTV ratio percent is xx | Initial |
| 15768167 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original note Doc date is xx | Initial |
| 15768167 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -3.70800% | Original standard LTV (OLTV) is xx | Initial |
| 15768167 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of refinance per HUD-1 is change in Rate/Term | Initial |
| 15768167 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD-1 is refinance | Initial |
| 97555270 | xx | Full Review | xx | Borrower DTI Ratio Percent | 37.053% | 47.449% | -10.396% | -10.39600% | BWR DTI ration percent 37.053% | Initial |
| 97555270 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | BWR last Name xx | Initial |
| 97555270 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value N/A | Initial |
| 97555270 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -31 (Days) |  | Original Appraisal Date xx | Initial |
| 97555270 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -610 (Days) |  | Stated Maturity Date xx | Initial |
| 24819760 | xx | Full Review | xx | Age of Loan | 8 | 10 | -2 | -20.00000% | Age of Loan is 8. | Initial |
| 24819760 | xx | Full Review | xx | Borrower DTI Ratio Percent | 39.334% | 99.434% | -60.100% | -60.10000% | Borrower DTI Ratio Percent is 39.334%. | Initial |
| 24819760 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 24819760 | xx | Full Review | xx | MI Company | xx | xx |  |  | MI Company is xx. | Initial |
| 24819760 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -35 (Days) |  | Original Appraisal Date is xx. | Initial |
| 8998069 | xx | Full Review | xx | Age of Loan | 22 | 25 | -3 | -12.00000% | Age of loan is 22. | Initial |
| 8998069 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.196% | 44.200% | -0.004% | -0.00400% | Borrower DTI ratio percent is 44.196%. | Initial |
| 8998069 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 8998069 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $8530.28 |  |  | Unavailable. | Initial |
| 8998069 | xx | Full Review | xx | Did a Modification Change Note Terms? | No | Yes |  |  | The loan has not been modified. There is a deferral balance. | Initial |
| 8998069 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 8998069 | xx | Full Review | xx | Loan Original Maturity Term Months | 348 | 326 | 22 | 6.74846% |  | Initial |
| 8998069 | xx | Full Review | xx | Payment History String | 000321000044444321000000 | 000000001234440000001230 |  |  |  | Initial |
| 8998069 | xx | Full Review | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 8998069 | xx | Full Review | xx | Stated Remaining Term | 326 | 304 | 22 | 7.23684% | Stated remaining term is 326. | Initial |
| 6537761 | xx | Full Review | xx | Age of Loan | 5 | 6 | -1 | -16.66666% | Age of Loan 5 | Initial |
| 6537761 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.832% | 130.610% | -85.778% | -85.77800% | BWR DTI Ratio percent 44.832% | Initial |
| 6537761 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value N/A | Initial |
| 6537761 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 43.050% | 126.900% | -83.850% | -83.85000% | Housing Ratio per U/W 43.050% | Initial |
| 92517580 | xx | Full Review | xx | Collections - Current Servicer (Enumerated) | \* Other / Not In List \* | Select Portfolio Servicing, Inc. |  |  | N/A. | Initial |
| 92517580 | xx | Full Review | xx | Current Legal Status | Collections | Performing |  |  | N/A. | Initial |
| 92517580 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 92517580 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $7634.70 |  |  |  | Initial |
| 92517580 | xx | Full Review | xx | Loan Amortization Type | Fixed | ARM |  |  |  | Initial |
| 92517580 | xx | Full Review | xx | Original Stated Rate | 8.24000% | 12.75000% | -4.51000% | -4.51000% | Original stated rate reflects 8.240%. | Initial |
| 92517580 | xx | Full Review | xx | Payment History String | 111112221112221112222222 | 12221100001112222223222 |  |  |  | Initial |
| 92517580 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 26 (Days) |  | Maturity date reflects xx. | Initial |
| 81662071 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 81662071 | xx | Full Review | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| 81662071 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 81662071 | xx | Full Review | xx | Occupancy at Origination (Property Usage Type) | Primary | Investor |  |  |  | Initial |
| 81662071 | xx | Full Review | xx | Payment History String | 322100000000004444443210 | 000000000120123456789000 |  |  |  | Initial |
| 31129508 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 31129508 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 31129508 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 31129508 | xx | Full Review | xx | Payment History String | 001101011111MMM | 000111110101100 |  |  |  | Initial |
| 17938942 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 17938942 | xx | Full Review | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in Foreclosure? is Yes | Initial |
| 17938942 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 17938942 | xx | Full Review | xx | Escrow Account Indicator | No | Yes |  |  | Escrow Account Indicator is No | Initial |
| 17938942 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original Note Doc Date is xx | Initial |
| 17938942 | xx | Full Review | xx | Payment History String | 321044444443210001234444 | 00000000000000000000000 |  |  | Payment History String is M21044444444321000123444 | Initial |
| 11804953 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 11804953 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $5087.40 |  |  |  | Initial |
| 11804953 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 11804953 | xx | Full Review | xx | Payment History String | 332222111111043322224432 | 000112200123252222334011 |  |  |  | Initial |
| 37630697 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Not Applicable | Initial |
| 37630697 | xx | Full Review | xx | Collections - Current Servicer (Enumerated) | Not Applicable | Select Portfolio Servicing, Inc. |  |  | Not Applicable | Initial |
| 37630697 | xx | Full Review | xx | Current Legal Status | Performing | Collections |  |  | Not Applicable | Initial |
| 37630697 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 37630697 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $6917.76 |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 37630697 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Not Applicable | Initial |
| 37630697 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Loan Amortization Type is ARM | Initial |
| 37630697 | xx | Full Review | xx | Original Stated Rate | 9.29000% | 7.03788% | 2.25212% | 2.25212% | Original Stated Rate is 9.29000% | Initial |
| 37630697 | xx | Full Review | xx | Payment History String | 111112111111111111111111 | 01111011211120111222221 |  |  | Not Applicable | Initial |
| 37630697 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  |  | Initial |
| 71330845 | xx | Full Review | xx | Collections - Current Servicer (Enumerated) | \* Other / Not In List \* | Select Portfolio Servicing, Inc. |  |  | NA. | Initial |
| 71330845 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 71330845 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $17469.18 |  |  | NA. | Initial |
| 71330845 | xx | Full Review | xx | Did a Modification Change Note Terms? | Yes | No |  |  | NA. | Initial |
| 71330845 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | NA. | Initial |
| 71330845 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00001% | Original balance is xx. | Initial |
| 71330845 | xx | Full Review | xx | Original Stated Rate | 11.99400% | 10.24400% | 1.75000% | 1.75000% | Stated rate as per note is 11.994%. | Initial |
| 71330845 | xx | Full Review | xx | Payment History String | 010000222332222111111222 | 00000000000000000000000 |  |  | NA. | Initial |
| 71330845 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Purpose of transaction is Cash-out. | Initial |
| 71330845 | xx | Full Review | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose per application is Refinance. | Initial |
| 71330845 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | NA. | Initial |
| 39951703 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 39951703 | xx | Full Review | xx | Collections - Current Servicer (Enumerated) | Not Applicable | Select Portfolio Servicing, Inc. |  |  |  | Initial |
| 39951703 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value N/A | Initial |
| 39951703 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $9474.46 |  |  |  | Initial |
| 39951703 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  |  | Initial |
| 39951703 | xx | Full Review | xx | Escrow Account Indicator | No | Yes |  |  | Escrow account indicator No | Initial |
| 39951703 | xx | Full Review | xx | First Payment Date | xx | xx | -4 (Days) |  |  | Initial |
| 39951703 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Loan amortization type is unavailable. | Initial |
| 39951703 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00047% | Original balance xx | Initial |
| 39951703 | xx | Full Review | xx | Original Stated Rate | 8.97000% | 2.37900% | 6.59100% | 6.59100% | Original stated rate 8.970% | Initial |
| 39951703 | xx | Full Review | xx | Payment History String | 121214322112112111111100 | 10000000000000000000000 |  |  |  | Initial |
| 39951703 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street xx. | Initial |
| 39951703 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated Maturity date unavailable. | Initial |
| 59148084 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | NA. | Initial |
| 59148084 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 59148084 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $7691.17 |  |  | NA | Initial |
| 59148084 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -23 (Days) |  | NA. | Initial |
| 59148084 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 59148084 | xx | Full Review | xx | Occupancy at Origination (Property Usage Type) | Investor | Primary |  |  | Occupancy is Investor. | Initial |
| 59148084 | xx | Full Review | xx | Original Stated Rate | 8.12500% | 7.50000% | 0.62500% | 0.62500% | Original stated rate is 8.125% | Initial |
| 59148084 | xx | Full Review | xx | Payment History String | 000002223321222122222221 | 00011001110000000011000 |  |  | NA. | Initial |
| 77429620 | xx | Full Review | xx | Collections - Current Servicer (Enumerated) | \* Other / Not In List \* | Select Portfolio Servicing, Inc. |  |  |  | Initial |
| 77429620 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 77429620 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $4144.40 |  |  |  | Initial |
| 77429620 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 77429620 | xx | Full Review | xx | First Payment Date | xx | xx | -6 (Days) |  | First payment date is xx. | Initial |
| 77429620 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00185% | Original balance is xx. | Initial |
| 77429620 | xx | Full Review | xx | Original Stated Rate | 11.89000% | 11.59000% | 0.30000% | 0.30000% | Original stated rate is 11.890%. | Initial |
| 77429620 | xx | Full Review | xx | Payment History String | 111211000000000110002111 | 12222220000101232211000 |  |  |  | Initial |
| 77429620 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -4 (Days) |  | Stated maturity date is xx. | Initial |
| 83977130 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 83977130 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 83977130 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $6385.03 |  |  | Unavailable. | Initial |
| 83977130 | xx | Full Review | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| 83977130 | xx | Full Review | xx | First Payment Date | xx | xx | -4 (Days) |  | As per note. | Initial |
| 83977130 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Unavailable. | Initial |
| 83977130 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00224% | As per note. | Initial |
| 83977130 | xx | Full Review | xx | Payment History String | 001222212211101211111110 | 11110000000000000000000 |  |  |  | Initial |
| 83977130 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 83977130 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | As per hud-1. | Initial |
| 83977130 | xx | Full Review | xx | Purpose Per Application | Refinance | Purchase |  |  | As per hud-1. | Initial |
| 83977130 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Unavailable. | Initial |
| 19724366 | xx | Full Review | xx | Collections - Current Servicer (Enumerated) | \* Other / Not In List \* | Select Portfolio Servicing, Inc. |  |  |  | Initial |
| 19724366 | xx | Full Review | xx | Current Legal Status | Collections | Performing |  |  |  | Initial |
| 19724366 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 19724366 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $2202.64 |  |  |  | Initial |
| 19724366 | xx | Full Review | xx | Payment History String | 110100000211101000000111 | 10000000000000000010011 |  |  |  | Initial |
| 19724366 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per note property address is xx. | Initial |
| 19724366 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 19 (Days) |  | Stated maturity date is xx. | Initial |
| 43989345 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Last name is xx. | Initial |
| 43989345 | xx | Full Review | xx | Collections - Current Servicer (Enumerated) | \* Other / Not In List \* | Select Portfolio Servicing, Inc. |  |  | NA | Initial |
| 43989345 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 43989345 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $5602.94 |  |  | NA | Initial |
| 43989345 | xx | Full Review | xx | Payment History String | 000001100000000000000000 | 00000000000000000001000 |  |  | NA | Initial |
| 43989345 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Cash out. | Initial |
| 43989345 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Cash out. | Initial |
| 44905089 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 44905089 | xx | Full Review | xx | Collections - Current Servicer (Enumerated) | Not Applicable | Select Portfolio Servicing, Inc. |  |  |  | Initial |
| 44905089 | xx | Full Review | xx | Current Legal Status | Collections, 60-119 Days | Collections |  |  |  | Initial |
| 44905089 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 44905089 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $6552.79 |  |  |  | Initial |
| 44905089 | xx | Full Review | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| 44905089 | xx | Full Review | xx | First Payment Date | xx | xx | -5 (Days) |  |  | Initial |
| 44905089 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  |  | Initial |
| 44905089 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00048% |  | Initial |
| 44905089 | xx | Full Review | xx | Payment History String | 222211103211010002110221 | 11222223456001121122110 |  |  |  | Initial |
| 44905089 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  |  | Initial |
| 44905089 | xx | Full Review | xx | Purpose Per Application | Refinance | Purchase |  |  |  | Initial |
| 44905089 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  |  | Initial |
| 83394159 | xx | Full Review | xx | Borrower DTI Ratio Percent | 40.907% | 41.934% | -1.027% | -1.02700% | Borrower DTI Ratio Percent is 40.907% | Initial |
| 83394159 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow Account Indicator is yes | Initial |
| 83394159 | xx | Full Review | xx | Payment History String | 000000000011111111100000 | 000000000111111111000000 |  |  |  | Initial |
| 47632888 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 695 (Days) |  | Application Date is xx | Initial |
| 47632888 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 1 (Days) |  | The tape shows defect as the subject mortgage origination date is xx and the tape data shows xx which is incorrect. | Initial |
| 82543083 | xx | Full Review | xx | Borrower DTI Ratio Percent | 40.863% | 40.860% | 0.003% | 0.00300% | DTI ratio percent is 40.863%. | Initial |
| 82543083 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -335 (Days) |  | Interest paid through date is xx. | Initial |
| 82543083 | xx | Full Review | xx | Payment History String | 00000000000 | 777777777777700000000000 |  |  |  | Initial |
| 88668600 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 88668600 | xx | PH+SC | xx | Payment History String | 000000000000 | 777777777777000000000000 |  |  |  | Initial |
| 49865359 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 49865359 | xx | PH+SC | xx | Payment History String | 00000000000 | 777777777777770000000000 |  |  |  | Initial |
| 93070892 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 93070892 | xx | PH+SC | xx | Payment History String | 0000000000000000 | 777777770000000000000000 |  |  |  | Initial |
| 40515420 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 40515420 | xx | PH+SC | xx | Payment History String | 00000000000000 | 777777777700000000000000 |  |  | As per the payment history, the string is 000000000000000. | Initial |
| 64512543 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 64512543 | xx | PH+SC | xx | Payment History String | 000 | 777777777777777777777700 |  |  |  | Initial |
| 59179749 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.842% | 43.920% | -0.078% | -0.07800% | Borrower DTI Ratio Percent is 43.842% | Initial |
| 59179749 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -608 (Days) |  | Interest Paid Through Date is xx. | Initial |
| 59179749 | xx | Full Review | xx | Payment History String | 000000000000000010MM | 777700000000000000000000 |  |  |  | Initial |
| 98087022 | xx | Full Review | xx | Payment History String | 000000000000000001MM | 777700000000000000000000 |  |  | Payment history string is 00000000000000000001MM | Initial |
| 75876619 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 75876619 | xx | PH+SC | xx | Payment History String | 00000000000000000000 | 777770000000000000000000 |  |  |  | Initial |
| 95961456 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 95961456 | xx | PH+SC | xx | Payment History String | 0000000000 | 777777777777770000000000 |  |  |  | Initial |
| 25424346 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 25424346 | xx | PH+SC | xx | Payment History String | 0001000 | 777777777777777777000100 |  |  |  | Initial |
| 80016767 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 80016767 | xx | PH+SC | xx | Payment History String | 0000 | 777777777777777777770000 |  |  |  | Initial |
| 31508663 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 31508663 | xx | PH+SC | xx | Payment History String | 00000 | 777777777777777777770000 |  |  | As per the payment history, the string is 00000. | Initial |
| 46812468 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 46812468 | xx | PH+SC | xx | Payment History String | 000 | 777777777777777777777000 |  |  | As per the payment history, the string is 000. | Initial |
| 27242715 | xx | Full Review | xx | Age of Loan | 5 | 7 | -2 | -28.57142% | Age of the loan is 5. | Initial |
| 27242715 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.658% | 60.000% | -17.342% | -17.34200% | BWR DTI ratio percent is 42.658%. | Initial |
| 27242715 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 80699508 | xx | Full Review | xx | Age of Loan | 41 | 43 | -2 | -4.65116% | Age of loan is 41. | Initial |
| 80699508 | xx | Full Review | xx | Borrower DTI Ratio Percent | 41.096% | 49.504% | -8.408% | -8.40800% | DTI is 41.096% | Initial |
| 80699508 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 80699508 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 4749 (Days) |  | Stated maturity date is xx. | Initial |
| 80699508 | xx | Full Review | xx | Stated Remaining Term | 475 | 319 | 156 | 48.90282% | Stated remaining term is 475. | Initial |
| 99950993 | xx | Full Review | xx | Borrower DTI Ratio Percent | 61.620% | 49.166% | 12.454% | 12.45400% | Borrower DTI Ratio Percent is 62.383% | Initial |
| 99950993 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 99950993 | xx | Full Review | xx | First Payment Date | xx | xx | -10957 (Days) |  | First Payment Date is xx | Initial |
| 99950993 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 51694012 | xx | Full Review | xx | Age of Loan | 9 | 12 | -3 | -25.00000% | Age of loan is 9. | Initial |
| 51694012 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 51694012 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -24 (Days) |  | Appraisal date is xx. | Initial |
| 69239139 | xx | Full Review | xx | Age of Loan | 8 | 10 | -2 | -20.00000% | Age of loan is 8. | Initial |
| 69239139 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 69239139 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of refinance per final CD is change in rate term. | Initial |
| 69239139 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per final CD is refinance. | Initial |
| 93660730 | xx | Full Review | xx | Age of Loan | 0 | 1 | -1 | -100.00000% | Age of loan is 0. | Initial |
| 93660730 | xx | Full Review | xx | ARM Lifetime Cap Rate | 12.000% | 5.000% | 7.000% | 7.00000% | ARM Lifetime Cap Rate is 12.000%. | Initial |
| 93660730 | xx | Full Review | xx | Borrower DTI Ratio Percent | 40.320% | 39.847% | 0.473% | 0.47300% | Borrower DTI ratio percent is 40.320%. | Initial |
| 93660730 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 93660730 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 38.769% | 38.296% | 0.473% | 0.47300% | Housing ratio per U/W is 38.769%. | Initial |
| 58990040 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of loan is 1. | Initial |
| 58990040 | xx | Full Review | xx | Borrower DTI Ratio Percent | 40.388% | 40.402% | -0.014% | -0.01400% | DTI ratio percent is $40.388%. | Initial |
| 58990040 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 58990040 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 25.671% | 25.684% | -0.013% | -0.01300% | Housing ratio percent is 25.671%. | Initial |
| 88704636 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx | Initial |
| 88704636 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is Pud | Initial |
| 71082710 | xx | Full Review | xx | Age of Loan | 7 | 9 | -2 | -22.22222% | 7 | Initial |
| 71082710 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.696% | 75.765% | -32.069% | -32.06900% | As per DU and 1008 borrower DTI is 43.696%. | Initial |
| 71082710 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 71082710 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 53363047 | xx | Full Review | xx | Age of Loan | 6 | 8 | -2 | -25.00000% | Age of loan is 6 | Initial |
| 53363047 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 53363047 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender g/l required MI? is not applicable | Initial |
| 53363047 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -21 (Days) |  |  | Initial |
| 28389387 | xx | Full Review | xx | Age of Loan | 2 | 4 | -2 | -50.00000% | Age of loan is 2. | Initial |
| 28389387 | xx | Full Review | xx | Borrower #2 Last Name | xx | xx |  |  |  | Initial |
| 28389387 | xx | Full Review | xx | Borrower #2 Middle Name | xx | xx |  |  |  | Initial |
| 28389387 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 28389387 | xx | Full Review | xx | MI Company | xx | xx |  |  | MI company is xx. | Initial |
| 28389387 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  |  | Initial |
| 98773672 | xx | Full Review | xx | Age of Loan | 4 | 5 | -1 | -20.00000% | Age of loan is 4. | Initial |
| 98773672 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 98773672 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  |  | Initial |
| 98773672 | xx | Full Review | xx | Subject Property Type | PUD | Low Rise Condo (1-4 Stories) |  |  | As per appraisal report. | Initial |
| 19905377 | xx | Full Review | xx | Age of Loan | 35 | 36 | -1 | -2.77777% | Age of loan 35. | Initial |
| 19905377 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 111101111111 |  |  | Payment history string 000000000000000000000000. | Initial |
| 40017386 | xx | Full Review | xx | Age of Loan | 22 | 23 | -1 | -4.34782% | Age of Loan is 22 | Initial |
| 40017386 | xx | Full Review | xx | Payment History String | 00000000000444444444444 | 000100000000 |  |  | Payment History String is 000000000000MMMMMMMMMMM | Initial |
| 68807844 | xx | Full Review | xx | Age of Loan | 34 | 35 | -1 | -2.85714% | Age of Loan is 34 | Initial |
| 68807844 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.647% | 42.696% | -0.049% | -0.04900% | Borrower DTI Ratio Percent is 42.267% | Initial |
| 68807844 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 000100000000 |  |  |  | Initial |
| 68807844 | xx | Full Review | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | Subject Property Type is High Rise Condo (>=9 Stories) | Initial |
| 2418852 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of loan is 1. | Initial |
| 2418852 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 2418852 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -25 (Days) |  | Appraisal date is xx. | Initial |
| 86976110 | xx | Full Review | xx | Borrower DTI Ratio Percent | 45.486% | 45.490% | -0.004% | -0.00400% | Borrower DTI Ratio Percent is 45.486% | Initial |
| 86976110 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 99103814 | xx | Full Review | xx | MI Coverage Amount | Not Applicable | 25.000% |  |  |  | Initial |
| 48643502 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 48643502 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current value date is not applicable | Initial |
| 48643502 | xx | Full Review | xx | HELOC Draw Period (Yrs) | 10 | 120 | -110 | -91.66666% | HELOC draw period (Yrs) is 10 | Initial |
| 48643502 | xx | Full Review | xx | HELOC Draw Period End Date | xx | xx | -15 (Days) |  | HELOC draw period end date is xx | Initial |
| 48643502 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -1748.84800% | Original standard LTV (OLTV) is unavailable | Initial |
| 48643502 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  |  | Initial |
| 48643502 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 48643502 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| 48643502 | xx | Full Review | xx | Stated Remaining Term | 413 | 411 | 2 | 0.48661% | Stated remaining term is 413 | Initial |
| 84503027 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 84503027 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current value date is not applicable. | Initial |
| 84503027 | xx | Full Review | xx | First Rate Change Date | xx | xx | 30 (Days) |  | First rate change date is xx. | Initial |
| 84503027 | xx | Full Review | xx | HELOC Draw Period (Yrs) | 10 | 120 | -110 | -91.66666% | HELOC draw period is 10. | Initial |
| 84503027 | xx | Full Review | xx | Mod Step Indicator | Not Applicable | No |  |  | Mod step indicator is not applicable. | Initial |
| 84503027 | xx | Full Review | xx | Next Rate Change Date | xx | xx | 452 (Days) |  | Next rate change date is xx. | Initial |
| 84503027 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -910.00000% | Original standard LTV is unavailable. | Initial |
| 84503027 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  | Unavailable. | Initial |
| 84503027 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M0000000000000000000000M. | Initial |
| 84503027 | xx | Full Review | xx | Stated Remaining Term | 130 | 721 | -591 | -81.96948% | Stated remaining term is 130. | Initial |
| 78182473 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy(post-loan origination)? is Yes | Initial |
| 78182473 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx | Initial |
| 78182473 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 78182473 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current Value Date is Not Applicable | Initial |
| 78182473 | xx | Full Review | xx | First Payment Date | xx | xx | -1039 (Days) |  |  | Initial |
| 78182473 | xx | Full Review | xx | Mod Step Indicator | Yes | No |  |  |  | Initial |
| 78182473 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -1343.77900% |  | Initial |
| 78182473 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  |  | Initial |
| 78182473 | xx | Full Review | xx | Original Stated Rate | 8.50000% | 14.00000% | -5.50000% | -5.50000% |  | Initial |
| 78182473 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 78182473 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of refinance per HUD-1 is cash out-other | Initial |
| 78182473 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of Transaction Per HUD-1 is Cash Out | Initial |
| 78182473 | xx | Full Review | xx | Stated Remaining Term | 132 | 71 | 61 | 85.91549% | Stated Remaining Term is 132 | Initial |
| 78182473 | xx | Full Review | xx | Subject Property Type | Manufactured Housing | 2 Family |  |  | Subject Property type is Manufactured Housing | Initial |
| 65103796 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 65103796 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | NA | Initial |
| 65103796 | xx | Full Review | xx | Mod Step Indicator | Yes | No |  |  |  | Initial |
| 65103796 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -1810.00000% | Standard LTV ratio is xx. | Initial |
| 65103796 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 65103796 | xx | Full Review | xx | Stated Remaining Term | 181 | 168 | 13 | 7.73809% | Stated remaining term is 181. | Initial |
| 50000137 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | NA | Initial |
| 50000137 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 50000137 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | NA | Initial |
| 50000137 | xx | Full Review | xx | Currently in Foreclosure? | Yes | No |  |  | NA | Initial |
| 50000137 | xx | Full Review | xx | Deferred Balance Amount | $234900.00 | $244214.57 | $-9314.57 | -3.81409% | NA | Initial |
| 50000137 | xx | Full Review | xx | Mod Step Indicator | Yes | No |  |  | NA | Initial |
| 50000137 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -9900.00000% | Standard LTV ratio is xx. | Initial |
| 50000137 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 233.92130% | Stated P&I is xx. | Initial |
| 50000137 | xx | Full Review | xx | Original Stated Rate | 6.25000% | 2.00000% | 4.25000% | 4.25000% | Stated rate is 6.250%. | Initial |
| 50000137 | xx | Full Review | xx | Payment History String | M000000000000MM000000000 | 000000000000001000000000 |  |  | NA | Initial |
| 9054551 | xx | Full Review | xx | ARM Index Margin Percent | Unavailable | xx |  |  |  | Initial |
| 9054551 | xx | Full Review | xx | ARM Index Type | Unavailable | Prime - WSJ |  |  | ARM Index Type is Unavailable | Initial |
| 9054551 | xx | Full Review | xx | ARM Lifetime Cap Rate | Unavailable | 18.000% |  |  |  | Initial |
| 9054551 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 9054551 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current Value Date is Not Applicable | Initial |
| 9054551 | xx | Full Review | xx | First Rate Change Date | Unavailable | xx |  |  | First Rate Change Date is Unavailable | Initial |
| 9054551 | xx | Full Review | xx | HELOC Draw Period (Yrs) | Unavailable | 120 |  |  |  | Initial |
| 9054551 | xx | Full Review | xx | HELOC Draw Period End Date | Unavailable | xx |  |  |  | Initial |
| 9054551 | xx | Full Review | xx | Mod Step Indicator | Not Applicable | No |  |  | Mod Step Indicator is Unavailable | Initial |
| 9054551 | xx | Full Review | xx | Next Rate Change Date | Unavailable | xx |  |  |  | Initial |
| 9054551 | xx | Full Review | xx | Original Note Doc Date | Unavailable | xx |  |  | Original Note Doc Date is Unavailable | Initial |
| 9054551 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -807.19300% | Original Standard LTV (OLTV) is Unavailable | Initial |
| 9054551 | xx | Full Review | xx | Pay Change Frequency | Unavailable | 1 Month |  |  |  | Initial |
| 9054551 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 9054551 | xx | Full Review | xx | Subsequent Rate Adjustment Frequency | Unavailable | 1 Month |  |  |  | Initial |
| 79954568 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 79954568 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current value date is N/A. | Initial |
| 79954568 | xx | Full Review | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is yes. | Initial |
| 79954568 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -9751.54600% | Original standard LTV is xx. | Initial |
| 79954568 | xx | Full Review | xx | Payment History String | MM0000000000000000010000 | 000000000000000000100000 |  |  |  | Initial |
| 79954568 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 79954568 | xx | Full Review | xx | Stated Remaining Term | 366 | 369 | -3 | -0.81300% | Stated remaining term is 366. | Initial |
| 37489065 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 37489065 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | NA | Initial |
| 37489065 | xx | Full Review | xx | First Rate Change Date | xx | xx | 30 (Days) |  | NA. | Initial |
| 37489065 | xx | Full Review | xx | HELOC Draw Period (Yrs) | 5 | 120 | -115 | -95.83333% | HELOC draw period is 5. | Initial |
| 37489065 | xx | Full Review | xx | HELOC Draw Period End Date | xx | xx | -1827 (Days) |  | HELOC draw period end date is xx. | Initial |
| 37489065 | xx | Full Review | xx | Mod Step Indicator | Not Applicable | No |  |  | NA | Initial |
| 37489065 | xx | Full Review | xx | Next Rate Change Date | Not Applicable | xx |  |  | Unavailable. | Initial |
| 37489065 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -1246.62000% | Unavailable. | Initial |
| 37489065 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  | Unavailable. | Initial |
| 37489065 | xx | Full Review | xx | Pay Change Frequency | Not Applicable | 1 Month |  |  | NA. | Initial |
| 37489065 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | NA. | Initial |
| 37489065 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -61 (Days) |  | Stated maturity date is xx. | Initial |
| 37489065 | xx | Full Review | xx | Subsequent Rate Adjustment Frequency | Not Applicable | 1 Month |  |  | NA. | Initial |
| 29215770 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination) is yes | Initial |
| 29215770 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 29215770 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current value date is not applicabe | Initial |
| 29215770 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -7870.46000% | Original standard LTV (OLTV) is xx | Initial |
| 29215770 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is m000000000000000000000000 | Initial |
| 29215770 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 29215770 | xx | Full Review | xx | S&C Filing Date | xx | xx | 4 (Days) |  | S&C filling date is unavailable | Initial |
| 29215770 | xx | Full Review | xx | Stated Remaining Term | 316 | 448 | -132 | -29.46428% | Stated remaining term is 316 | Initial |
| 30094426 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 30094426 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | N/A | Initial |
| 30094426 | xx | Full Review | xx | Deferred Balance Amount | $136752.58 | $54625.17 | $82127.41 | 150.34719% | $136,752.58. | Initial |
| 30094426 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -215 (Days) |  | xx. | Initial |
| 30094426 | xx | Full Review | xx | Mod Step Indicator | Yes | No |  |  | Yes. | Initial |
| 30094426 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -7920.00000% | LTV xx. | Initial |
| 30094426 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | 00 | Initial |
| 30094426 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street reflects xx. | Initial |
| 30094426 | xx | Full Review | xx | Stated Remaining Term | 348 | 55 | 293 | 532.72727% | 348. | Initial |
| 70779114 | xx | Full Review | xx | Borrower's Income is impacted by Covid-19? | Yes | No |  |  |  | Initial |
| 70779114 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 70779114 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current Value Date is Not Applicable | Initial |
| 70779114 | xx | Full Review | xx | First Payment Date | xx | xx | -24 (Days) |  | First Payment Date is xx | Initial |
| 70779114 | xx | Full Review | xx | HELOC Draw Period (Yrs) | 10 | 120 | -110 | -91.66666% | HELOC Draw Period (Yrs) is Unavailable | Initial |
| 70779114 | xx | Full Review | xx | HELOC Draw Period End Date | xx | xx | -30 (Days) |  | HELOC Draw Period End Date is Unavailable | Initial |
| 70779114 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -1116.00000% | Original Standard LTV (OLTV) is xx | Initial |
| 70779114 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  |  | Initial |
| 70779114 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M00000000000000000000000 | Initial |
| 70779114 | xx | Full Review | xx | S&C Filing Date | xx | xx | 232 (Days) |  |  | Initial |
| 70779114 | xx | Full Review | xx | Stated Remaining Term | 409 | 347 | 62 | 17.86743% | Stated Remaining Term is 139 | Initial |
| 88093504 | xx | Full Review | xx | ARM Index Margin Percent | xx | xx | -99.000% | -99.00000% | ARM Index Margin Percent is Not Applicable | Initial |
| 88093504 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 88093504 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current Value Date is Not Applicable | Initial |
| 88093504 | xx | Full Review | xx | First Payment Date | xx | xx | -10 (Days) |  | First Payment Date is xx | Initial |
| 88093504 | xx | Full Review | xx | First Rate Change Date | xx | xx | 1 (Days) |  | First Rate Change Date is xx | Initial |
| 88093504 | xx | Full Review | xx | HELOC Draw Period (Yrs) | Unavailable | 119 |  |  | HELOC Draw Period(yrs) is Unavailable | Initial |
| 88093504 | xx | Full Review | xx | HELOC Draw Period End Date | Unavailable | xx |  |  | HELOC Draw Period End Date is Unavailable | Initial |
| 88093504 | xx | Full Review | xx | Mod Step Indicator | Not Applicable | No |  |  |  | Initial |
| 88093504 | xx | Full Review | xx | Next Rate Change Date | xx | xx | 314 (Days) |  | Next Rate Change Date is Not Applicable | Initial |
| 88093504 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 16 (Days) |  | Original Note Doc Date is Unavailable | Initial |
| 88093504 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -1113.04300% | Original Standard LTV(OLTV) is Unavailable | Initial |
| 88093504 | xx | Full Review | xx | Original Stated P&I | Not Applicable | xx |  |  | Original Stated P&I is Unavailable | Initial |
| 88093504 | xx | Full Review | xx | Payment History String | M00000000000000000010000 | 000000000000000000000000 |  |  |  | Initial |
| 88093504 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -10 (Days) |  | Stated Maturity Date is xx | Initial |
| 3989533 | xx | Full Review | xx | ARM Index Margin Percent | xx | xx | -36.000% | -36.00000% | ARM index margin percent is xx%. | Initial |
| 3989533 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 3989533 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current value date is N/A. | Initial |
| 3989533 | xx | Full Review | xx | First Rate Change Date | xx | xx | 36 (Days) |  | First rate change date is xx. | Initial |
| 3989533 | xx | Full Review | xx | Forbearance Plan Start Date | Unavailable | xx |  |  | Forbearance plan start date is U/A. | Initial |
| 3989533 | xx | Full Review | xx | HELOC Draw Period (Yrs) | Unavailable | 119 |  |  | HELOC draw period is U/A. | Initial |
| 3989533 | xx | Full Review | xx | HELOC Draw Period End Date | Unavailable | xx |  |  | HELOC draw period end date is U/A. | Initial |
| 3989533 | xx | Full Review | xx | Mod Step Indicator | Not Applicable | No |  |  | Mod Step Indicator is Not Applicable | Initial |
| 3989533 | xx | Full Review | xx | Next Rate Change Date | xx | xx | 421 (Days) |  | Next rate charge date is U/A. | Initial |
| 3989533 | xx | Full Review | xx | Original Appraised Value | Unavailable | xx |  |  | Original Appraised Value is Unavailable | Initial |
| 3989533 | xx | Full Review | xx | Original Note Doc Date | Unavailable | xx |  |  | Original note doc date is U/A. | Initial |
| 3989533 | xx | Full Review | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV is xx. | Initial |
| 3989533 | xx | Full Review | xx | Payment History String | MM0000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M00000000000000000000000 | Initial |
| 3989533 | xx | Full Review | xx | Stated Remaining Term | 129 | 831 | -702 | -84.47653% | Stated remaining term is 129. | Initial |
| 3989533 | xx | Full Review | xx | Trial Modification Agreement in file? | Unavailable | Yes |  |  | Trial modification agreement in file is U/A. | Initial |
| 78907455 | xx | Full Review | xx | ARM Index Margin Percent | Unavailable | xx |  |  | ARM Index Margin Percent is Unavailable | Initial |
| 78907455 | xx | Full Review | xx | ARM Lifetime Cap Rate | Unavailable | 18.000% |  |  | ARM Lifetime Cap Rate is Unavailable | Initial |
| 78907455 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination)? is Yes | Initial |
| 78907455 | xx | Full Review | xx | Current Value | Unavailable | xx |  |  | Current Value is Not Applicable | Initial |
| 78907455 | xx | Full Review | xx | Current Value Date | Unavailable | xx |  |  | Current Value Date is Not Applicable | Initial |
| 78907455 | xx | Full Review | xx | HELOC Draw Period (Yrs) | Unavailable | 120 |  |  | HELOC Draw Period (Yrs) is Unavailable | Initial |
| 78907455 | xx | Full Review | xx | HELOC Draw Period End Date | Unavailable | xx |  |  | HELOC draw period end date is Unavailable | Initial |
| 78907455 | xx | Full Review | xx | Mod Step Indicator | Not Applicable | No |  |  | NA | Initial |
| 78907455 | xx | Full Review | xx | Next Rate Change Date | xx | xx | 157 (Days) |  | Note Rate Change Date is xx | Initial |
| 78907455 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -2800.76900% | Original Standard LTV(OLTV) is xx | Initial |
| 78907455 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  | Original Stated P&I is Unavailable | Initial |
| 78907455 | xx | Full Review | xx | Payment History String | M01000010000000000000000 | 000000000000000000000000 |  |  | Payment History String is 0010000010000000000000000 | Initial |
| 78907455 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 78907455 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -132 (Days) |  | Stated Maturity Date is xx | Initial |
| 78907455 | xx | Full Review | xx | Stated Remaining Term | 108 | 81 | 27 | 33.33333% | Stated Remaining Term is 108 | Initial |
| 60165707 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 60165707 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | N.A. | Initial |
| 60165707 | xx | Full Review | xx | Currently in Foreclosure? | No | Yes |  |  |  | Initial |
| 60165707 | xx | Full Review | xx | Deferred Balance Amount | $4113.58 | $7759.42 | $-3645.84 | -46.98598% |  | Initial |
| 60165707 | xx | Full Review | xx | Occupancy at Origination (Property Usage Type) | Investor | Secondary |  |  | As per documents. | Initial |
| 60165707 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -8622.85700% | As per calculation. | Initial |
| 60165707 | xx | Full Review | xx | Payment History String | M00000000000000000100000 | 000000000000000000100000 |  |  |  | Initial |
| 60165707 | xx | Full Review | xx | S&C Filing Date | Not Applicable | xx |  |  |  | Initial |
| 60165707 | xx | Full Review | xx | Stated Remaining Term | 429 | 431 | -2 | -0.46403% |  | Initial |
| 84897208 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Yes. | Initial |
| 84897208 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 84897208 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | N/A. | Initial |
| 84897208 | xx | Full Review | xx | HELOC Draw Period (Yrs) | 10 | 88 | -78 | -88.63636% | HELOCK draw period 10. | Initial |
| 84897208 | xx | Full Review | xx | HELOC Draw Period End Date | xx | xx | 962 (Days) |  | HELOC draw end period date xx. | Initial |
| 84897208 | xx | Full Review | xx | Mod Step Indicator | Yes | No |  |  | Yes. | Initial |
| 84897208 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -2169.48100% | Original Standard LTV is xx. | Initial |
| 84897208 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  | NA. | Initial |
| 84897208 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string M00000000000000000000000. | Initial |
| 84897208 | xx | Full Review | xx | Stated Remaining Term | 311 | 313 | -2 | -0.63897% | Stated remaining term is 311. | Initial |
| 4400059 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination) is Yes | Initial |
| 4400059 | xx | Full Review | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower #2 Middle Name is xx | Initial |
| 4400059 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 4400059 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 4400059 | xx | Full Review | xx | First Rate Change Date | xx | xx | 31 (Days) |  | First Rate Change Date is xx | Initial |
| 4400059 | xx | Full Review | xx | HELOC Draw Period (Yrs) | 10 | 120 | -110 | -91.66666% | HELOC Draw Period (Yrs) is 10 | Initial |
| 4400059 | xx | Full Review | xx | Mod Step Indicator | Not Applicable | No |  |  | Mod Step Indicator is Not Applicable | Initial |
| 4400059 | xx | Full Review | xx | Next Rate Change Date | Not Applicable | xx |  |  | Next Rate Change Date is Not Applicable | Initial |
| 4400059 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -1280.01700% | Original Standard LTV (OLTV) is xx | Initial |
| 4400059 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  | Original Stated P&I is Unavailable | Initial |
| 4400059 | xx | Full Review | xx | Pay Change Frequency | Not Applicable | 1 Month |  |  | Pay Change Frequency is Not Applicable | Initial |
| 4400059 | xx | Full Review | xx | Payment History String | MM0010000000000210000101 | 000000000000000100000001 |  |  | Payment History STring is MM00100000000000021000010M | Initial |
| 4400059 | xx | Full Review | xx | Stated Remaining Term | 118 | 603 | -485 | -80.43117% | Stated Remaining Term is 118 | Initial |
| 4400059 | xx | Full Review | xx | Subsequent Rate Adjustment Frequency | Not Applicable | 1 Month |  |  | Subsequent Rate Adjustment Frequency is Not Applicable | Initial |
| 22894473 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 22894473 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current value date is Not Applicable | Initial |
| 22894473 | xx | Full Review | xx | HELOC Draw Period (Yrs) | 10 | 53 | -43 | -81.13207% | HELOC Draw period is 10 | Initial |
| 22894473 | xx | Full Review | xx | HELOC Draw Period End Date | xx | xx | 2024 (Days) |  | HELOC Draw period end date is xx | Initial |
| 22894473 | xx | Full Review | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is yes | Initial |
| 22894473 | xx | Full Review | xx | Original Appraised Value | Unavailable | xx |  |  | Original Appraised Value is Unavailable | Initial |
| 22894473 | xx | Full Review | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV is unavailable | Initial |
| 22894473 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  |  | Initial |
| 22894473 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M00000000000000000000000 | Initial |
| 22894473 | xx | Full Review | xx | Stated Remaining Term | 277 | 66 | 211 | 319.69696% | Stated Remaining term is 277 | Initial |
| 80329411 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 80329411 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current value date is not applicable | Initial |
| 80329411 | xx | Full Review | xx | HELOC Draw Period (Yrs) | 10 | 88 | -78 | -88.63636% | HELOC draw period (Yrs) is 10 | Initial |
| 80329411 | xx | Full Review | xx | HELOC Draw Period End Date | xx | xx | 963 (Days) |  | HELOC draw period end date is xx | Initial |
| 80329411 | xx | Full Review | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is yes | Initial |
| 80329411 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -910.01100% | Original standard LTV (OLTV) is xx | Initial |
| 80329411 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  |  | Initial |
| 80329411 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M00000000000000000000 | Initial |
| 80329411 | xx | Full Review | xx | Stated Remaining Term | 344 | 339 | 5 | 1.47492% | Stated remaining term is 344 | Initial |
| 47405436 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 47405436 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current value date is N/A. | Initial |
| 47405436 | xx | Full Review | xx | HELOC Draw Period (Yrs) | 10 | 106 | -96 | -90.56603% | HELOC draw period is 10 years. | Initial |
| 47405436 | xx | Full Review | xx | HELOC Draw Period End Date | xx | xx | 426 (Days) |  | HELOC draw period end date is xx. | Initial |
| 47405436 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -910.00000% | Original standard LTV is xx. | Initial |
| 47405436 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  | Original stated P&I is U/A. | Initial |
| 47405436 | xx | Full Review | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 47405436 | xx | Full Review | xx | Property City | xx | xx |  |  | Property city is xx. | Initial |
| 47405436 | xx | Full Review | xx | Stated Remaining Term | 447 | 448 | -1 | -0.22321% | Stated remaining term is 447. | Initial |
| 47405436 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 90890319 | xx | Full Review | xx | ARM Index Margin Percent | xx | xx | -123.750% | -123.75000% | ARM index margin percent is xx% | Initial |
| 90890319 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 90890319 | xx | Full Review | xx | Current Value Date | Not Applicable | xx |  |  | Current value date is not applicable | Initial |
| 90890319 | xx | Full Review | xx | First Payment Date | xx | xx | -6 (Days) |  |  | Initial |
| 90890319 | xx | Full Review | xx | First Rate Change Date | xx | xx | -6 (Days) |  | First rate change date xx | Initial |
| 90890319 | xx | Full Review | xx | HELOC Draw Period (Yrs) | 10 | 120 | -110 | -91.66666% | HELOC draw period (Yrs) is 10 | Initial |
| 90890319 | xx | Full Review | xx | HELOC Draw Period End Date | xx | xx | -6 (Days) |  |  | Initial |
| 90890319 | xx | Full Review | xx | Mod Step Indicator | Not Applicable | No |  |  |  | Initial |
| 90890319 | xx | Full Review | xx | Next Rate Change Date | xx | xx | 142 (Days) |  | Next rate change date is xx | Initial |
| 90890319 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -1794.44400% | Original standard LTV (OLTV) is unavailable | Initial |
| 90890319 | xx | Full Review | xx | Original Stated P&I | Unavailable | xx |  |  |  | Initial |
| 90890319 | xx | Full Review | xx | Payment History String | M00000100001001000001000 | 000000000000000000000000 |  |  | Payment history string is M0000000000000000000000000 | Initial |
| 90890319 | xx | Full Review | xx | S&C Filing Date | xx | xx | -3610 (Days) |  | S&C filing date is xx | Initial |
| 90890319 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -6 (Days) |  | Stated maturity date is xx | Initial |
| 90890319 | xx | Full Review | xx | Stated Remaining Term | 145 | 396 | -251 | -63.38383% | Stated remaining term is 145 | Initial |
| 54445191 | xx | Full Review | xx | Age of Loan | 8 | 9 | -1 | -11.11111% | Age of loan is 8 | Initial |
| 54445191 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 54445191 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI is not applicable | Initial |
| 54445191 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | Original CLTV Ratio percent is xx | Initial |
| 54445191 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | Original standard LTV is xx. | Initial |
| 23338011 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 23338011 | xx | Full Review | xx | Payment History String | 0000221000 | 0/0/0 |  |  | NA. | Initial |
| 23338011 | xx | Full Review | xx | Subject Property Type | Mixed Use | Single Family |  |  | Subject property type is 2 family. | Initial |
| 74396219 | xx | Full Review | xx | Borrower DTI Ratio Percent | 45.295% | 45.300% | -0.005% | -0.00500% | DTI ratio percent is 45.295%. | Initial |
| 74396219 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.25000% | CLTV ratio percent is xx. | Initial |
| 74396219 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 74396219 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | -90.00000% | Sales price is xx. | Initial |
| 29115619 | xx | Full Review | xx | Age of Loan | 9 | 12 | -3 | -25.00000% | Age of Loan 9 | Initial |
| 29115619 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 29115619 | xx | Full Review | xx | Number Of Units | 2 | 1 | 1 | 100.00000% | As per appraisal report. | Initial |
| 29115619 | xx | Full Review | xx | Subject Property Type | 2 Family | Single Family |  |  | As per appraisal report. | Initial |
| 53793807 | xx | Full Review | xx | Age of Loan | 18 | 21 | -3 | -14.28571% | Age of loan is 18. | Initial |
| 53793807 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.445% | 48.990% | -0.545% | -0.54500% | Borrower DTI ratio percent is 48.445%. | Initial |
| 53793807 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 53793807 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 86520903 | xx | Full Review | xx | Age of Loan | 38 | 41 | -3 | -7.31707% | Age of Loan is 38 | Initial |
| 86520903 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.824% | 49.379% | 0.445% | 0.44500% | Borrower DTI Ratio Percent is Unavailable | Initial |
| 86520903 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 86520903 | xx | Full Review | xx | MI Company | Unavailable | xx |  |  | MI Company is Unavailable | Initial |
| 41208254 | xx | Full Review | xx | ARM Lifetime Cap Rate | 10.250% | 5.000% | 5.250% | 5.25000% | ARM Lifetime Cap Rate is 10.250 | Initial |
| 41208254 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.992% | 45.000% | -0.008% | -0.00800% | Borrower DTI Ratio Percent is 43.349% | Initial |
| 41208254 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 41208254 | xx | Full Review | xx | Periodic Pay Adjustment Cap | Not Applicable | 1.000% |  |  | Periodic Pay Adjustment Cap is Not Applicable | Initial |
| 41208254 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | -2.72727% | Sales Price (HUD-1 Line 101) is xx | Initial |
| 41208254 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 70641304 | xx | Full Review | xx | Age of Loan | 8 | 10 | -2 | -20.00000% | Age of Loan is 8 | Initial |
| 70641304 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.640% | 72.249% | -22.609% | -22.60900% | Borrower DTI Ratio Percent is 49.640% | Initial |
| 70641304 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 70641304 | xx | Full Review | xx | MI Company | xx | xx |  |  | MI Company is xx | Initial |
| 70641304 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -27 (Days) |  | Original Appraisal Date is xx | Initial |
| 70641304 | xx | Full Review | xx | Subject Property Type | 3 Family | Single Family |  |  | Subject Property Type is 3 Family | Initial |
| 90887377 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.532% | 59.750% | -11.218% | -11.21800% | Borrower DTI ratio percentage is 48.532% | Initial |
| 90887377 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original note Doc date is xx | Initial |
| 90887377 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 59247936 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.543% | 49.000% | 0.543% | 0.54300% | Borrower DTI Ratio Percent is 49.543%. | Initial |
| 59247936 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 49.543% | 49.000% | 0.543% | 0.54300% | Housing Ratio Per U/W (Initial Rate) is 49.543% | Initial |
| 59247936 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 4.87108% | Original Appraised Value is xx. | Initial |
| 59247936 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD. | Initial |
| 76594568 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR #1 Middle name is xx. | Initial |
| 76594568 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.754% | 50.910% | -1.156% | -1.15600% | BWR DTI ratio at 49.754% | Initial |
| 76594568 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address is xx | Initial |
| 979963 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | As per note. | Initial |
| 979963 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | As per note. | Initial |
| 979963 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -304 (Days) |  | As per note. | Initial |
| 91845125 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 33.784% | 33.780% | 0.004% | 0.00400% |  | Initial |
| 69032486 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.369% | 61.941% | -13.572% | -13.57200% | Borrower DTI Ratio Percent is 48.369% | Initial |
| 69032486 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 48.369% | 61.941% | -13.572% | -13.57200% | Housing Ratio Per U/W(Initial Rate) is 48.369% | Initial |
| 64866345 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.374% | 48.716% | 0.658% | 0.65800% | BWR DTI ratio at 49.374%. | Initial |
| 64866345 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 64866345 | xx | Full Review | xx | Original Appraisal Date | xx | xx | 12 (Days) |  | Original appraisal date is xx. | Initial |
| 64866345 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | -3.00000% | The note doc amount is xx and the tape shows xx. | Initial |
| 89735378 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -61 (Days) |  |  | Initial |
| 54753893 | xx | Full Review | xx | Age of Loan | 12 | 15 | -3 | -20.00000% | 12 | Initial |
| 54753893 | xx | Full Review | xx | Current Legal Status | Performing | Collections |  |  |  | Initial |
| 54753893 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 54753893 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | -0.00112% | P&I is xx | Initial |
| 9872831 | xx | Full Review | xx | Age of Loan | 14 | 23 | -9 | -39.13043% | Age of loan is 14. | Initial |
| 9872831 | xx | Full Review | xx | COVID Deferral Start Date | Not Applicable | 8/1/2024 |  |  | NA | Initial |
| 9872831 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.01000% | As per calculation. | Initial |
| 9872831 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.01000% | As per calculation. | Initial |
| 9872831 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 67319538 | xx | Full Review | xx | Age of Loan | 7 | 16 | -9 | -56.25000% | Age of loan is 7 | Initial |
| 67319538 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.529% | 41.011% | 2.518% | 2.51800% | Borrower DTI Ratio percent is 43.529% | Initial |
| 67319538 | xx | Full Review | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| 67319538 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Unavailable. | Initial |
| 67319538 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Unavailable. | Initial |
| 30347019 | xx | Full Review | xx | Age of Loan | 46 | 49 | -3 | -6.12244% |  | Initial |
| 30347019 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 30347019 | xx | Full Review | xx | Does Lender G/L Require MI? | Yes | No |  |  |  | Initial |
| 30347019 | xx | Full Review | xx | Prepayment Penalty Indicator | No | Yes |  |  |  | Initial |
| 83276164 | xx | Full Review | xx | Borrower #2 Last Name | xx | xx |  |  |  | Initial |
| 83276164 | xx | Full Review | xx | Borrower #2 Middle Name | Not Applicable | xx |  |  | Borrower #2 middle name is not application | Initial |
| 83276164 | xx | Full Review | xx | Borrower DTI Ratio Percent | 40.463% | 80.000% | -39.537% | -39.53700% | Borrower DTI ratio percent is 40.463% | Initial |
| 83276164 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 2939142 | xx | Full Review | xx | Age of Loan | 13 | 15 | -2 | -13.33333% | NA | Initial |
| 2939142 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.749% | 57.380% | -8.631% | -8.63100% | NA | Initial |
| 2939142 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 2939142 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | Note date is xx. | Initial |
| 29888281 | xx | Full Review | xx | Borrower #2 First Name | Not Applicable | xx |  |  | NA | Initial |
| 29888281 | xx | Full Review | xx | Borrower #2 Last Name | Not Applicable | xx |  |  | NA | Initial |
| 29888281 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.570% | 42.500% | 0.070% | 0.07000% | DTI ratio percent is 42.570%. | Initial |
| 29888281 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| 29888281 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 29888281 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 24326020 | xx | Full Review | xx | Payment History String | 0000000000 | 800001112112 |  |  | Payment History String is 00000000 | Initial |
| 87796655 | xx | Full Review | xx | MI Company | xx | xx |  |  | MI Company is xx. | Initial |
| 87796655 | xx | Full Review | xx | Payment History String | 0000000000000000 | 111111112111 |  |  | Payment History String is 000000000000000. | Initial |
| 72399250 | xx | Full Review | xx | Age of Loan | 13 | 15 | -2 | -13.33333% | Age of loan is 13. | Initial |
| 72399250 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #1 middle name is xx. | Initial |
| 72399250 | xx | Full Review | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #2 last name is xx. | Initial |
| 72399250 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| 72399250 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 72399250 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 72399250 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -731 (Days) |  | Interest paid through date is xx. | Initial |
| 67650614 | xx | Full Review | xx | Age of Loan | 7 | 9 | -2 | -22.22222% | Age of loan 7. | Initial |
| 67650614 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 67650614 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original note date is xx | Initial |
| 20470637 | xx | Full Review | xx | Borrower First Name | Not Applicable | xx |  |  | Borrower First Name Not Applicable | Initial |
| 20470637 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 20470637 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 20470637 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 20470637 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 20470637 | xx | Full Review | xx | Stated Remaining Term | 370 | 358 | 12 | 3.35195% | Stated Remaining Term is 370 | Initial |
| 34495642 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.225% | 59.588% | -10.363% | -10.36300% | Borrower DTI Ratio Percent is 49.225% | Initial |
| 34495642 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 34495642 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00100% | Original CLTV Ratio Percent is xx | Initial |
| 34495642 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original Note Doc Date is xx | Initial |
| 34495642 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00100% | Original Standard LTV(CLTV) is xx | Initial |
| 34495642 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 45738889 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | Borrower #1 Middle name is Not applicable. | Initial |
| 45738889 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.457% | 46.410% | -2.953% | -2.95300% | Borrower DTI Ratio percent is 43.457%. | Initial |
| 45738889 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 1.02040% | Original Appraised value is xx. | Initial |
| 80397909 | xx | Full Review | xx | B1 Self-Employed? | Unavailable | No |  |  | Unavailable. | Initial |
| 80397909 | xx | Full Review | xx | Loan Documentation Type | DSCR | Full Documentation |  |  | Loan documentation type is DSCR. | Initial |
| 89202876 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -14 (Days) |  | NA | Initial |
| 89202876 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 43.311% | 4331.100% | -4287.789% | -4287.78900% | Housing ratio per U/W is 43.311%. | Initial |
| 89202876 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 18.81165% | original stated P&I is xx. | Initial |
| 89202876 | xx | Full Review | xx | Payment History String | 000000000004444444321010 | 0000000877765432101000 |  |  | NA | Initial |
| 89202876 | xx | Full Review | xx | Principal Balance Stated in Mod | xx | xx | xx | 13.73541% | principal balance stated in mod is not applicable. | Initial |
| 20161434 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -7 (Days) |  | Original note date is xx. | Initial |
| 13844752 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| 13844752 | xx | Full Review | xx | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 13844752 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 12.550% | 1255.000% | -1242.450% | -1242.45000% | Housing Ratio per U/W (Initial Rate) is 12.550%. | Initial |
| 13844752 | xx | Full Review | xx | Modification Original P&I | Not Applicable | xx |  |  |  | Initial |
| 13844752 | xx | Full Review | xx | Modification Original Rate | Not Applicable | 5.937% |  |  |  | Initial |
| 13844752 | xx | Full Review | xx | Modification Stated Term | Not Applicable | 345 |  |  | Modification Stated Term is Unavailable. | Initial |
| 13844752 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original Note Doc Date is xx. | Initial |
| 13844752 | xx | Full Review | xx | Payment History String | 000000000444400000000000 | 00000000321000000000000 |  |  | Payment History String is 000000000444400000000000. | Initial |
| 13844752 | xx | Full Review | xx | Principal Balance Stated in Mod | Not Applicable | xx |  |  |  | Initial |
| 13844752 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD. | Initial |
| 63770822 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Note date is xx. | Initial |
| 44952876 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | As per note. | Initial |
| 44952876 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.351% | 47.012% | 0.339% | 0.33900% | As per calculation. | Initial |
| 44952876 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 23.318% | 23.151% | 0.167% | 0.16700% | As per calculation. | Initial |
| 44952876 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | As per note. | Initial |
| 44952876 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | 0.74089% | As per FCD. | Initial |
| 44952876 | xx | Full Review | xx | Stated Remaining Term | 350 | 360 | -10 | -2.77777% | As per note. | Initial |
| 20227256 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 12.950% | 14.390% | -1.440% | -1.44000% | Housing ratio per U/W (Initial Rate) is 12.950% | Initial |
| 58315345 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | Borrower #1 Middle Name is Not Applicable | Initial |
| 58315345 | xx | Full Review | xx | Borrower DTI Ratio Percent | 30.732% | 30.730% | 0.002% | 0.00200% | Borrower DTI Ratio Percent is 30.732% | Initial |
| 58315345 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 8.565% | 18.520% | -9.955% | -9.95500% | Housing Ratio Per U/W (Initial Rate) is 8.565% | Initial |
| 94178458 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | Borrower #1 Middle name is not applicable | Initial |
| 94178458 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.681% | 43.680% | 0.001% | 0.00100% | Borrower DTI Ratio percent is 43.681% | Initial |
| 94178458 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 14.609% | 21.840% | -7.231% | -7.23100% | Housing ratio per U/W is 14.609% | Initial |
| 17613596 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | Borrower #1 Middle Name is Not Applicable. | Initial |
| 17613596 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.317% | 42.320% | -0.003% | -0.00300% | Borrower DTI Ratio Percent is 42.317%. | Initial |
| 17613596 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 13.960% | 18.660% | -4.700% | -4.70000% | Housing Ratio per U/W (Initial Rate) is 9.416%. | Initial |
| 3892009 | xx | Full Review | xx | Borrower DTI Ratio Percent | 38.418% | 38.420% | -0.002% | -0.00200% | Borrower DTI ratio percent is 38.418%. | Initial |
| 3892009 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 0.000% | 14.520% | -14.520% | -14.52000% | Housing ratio per U/W is 0.000%. | Initial |
| 80776836 | xx | Full Review | xx | Borrower DTI Ratio Percent | 35.866% | 35.870% | -0.004% | -0.00400% | Borrower DTI Ratio Percent 35.866% | Initial |
| 80776836 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 15.613% | 27.930% | -12.317% | -12.31700% | Housing Ratio per U/W (Initial Rate) is 15.613% | Initial |
| 80776836 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00500% | Original CLTV Ratio Percent is xx | Initial |
| 80776836 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00500% | Original Standard LTV (OLTV) is xx | Initial |
| 85473183 | xx | Full Review | xx | Borrower DTI Ratio Percent | 22.589% | 22.590% | -0.001% | -0.00100% | borrower DTI is 22.589%. | Initial |
| 40414106 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -4 (Days) |  | Original note doc date is xx | Initial |
| 56901931 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 90904264 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.345% | 92.000% | -43.655% | -43.65500% | Borrower DTI ratio percent is 48.345%. | Initial |
| 90904264 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 90904264 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 90904264 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject loan is PUD. | Initial |
| 30333759 | xx | Full Review | xx | Age of Loan | 28 | 29 | -1 | -3.44827% | Age of loan is 28. | Initial |
| 30333759 | xx | Full Review | xx | Borrower DTI Ratio Percent | 46.879% | 46.880% | -0.001% | -0.00100% | Borrower DTI Ratio Percent is 46.879% | Initial |
| 30333759 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is not applicable | Initial |
| 30333759 | xx | Full Review | xx | MI Company | xx | xx |  |  | MI Company is xx. | Initial |
| 42418865 | xx | Full Review | xx | Age of Loan | 10 | 11 | -1 | -9.09090% | Age of loan is 10 | Initial |
| 42418865 | xx | Full Review | xx | Borrower DTI Ratio Percent | 54.491% | 54.410% | 0.081% | 0.08100% | Borrower DTI Ratio Percent is 54.491% | Initial |
| 42418865 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 42418865 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Required MI? is not applicable | Initial |
| 42418865 | xx | Full Review | xx | MI Company | xx | xx |  |  | MI Company is FHA | Initial |
| 42418865 | xx | Full Review | xx | MI Coverage Amount | Not Applicable | 35.000% |  |  | NA. | Initial |
| 42418865 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | Original CLTV Ratio Percent is xx | Initial |
| 42418865 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | Original Standard LTV(OLTV) is xx | Initial |
| 35388201 | xx | Full Review | xx | B1 Self-Employed? | No | Yes |  |  | B1 self employed is no. | Initial |
| 35388201 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.170% | 60.660% | -12.490% | -12.49000% | Borrower DTI ratio percent is 48.170%. | Initial |
| 35388201 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 35388201 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  |  | Initial |
| 98150393 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.904% | 44.900% | 0.004% | 0.00400% | As per calculation. | Initial |
| 98150393 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 43.133% | 43.130% | 0.003% | 0.00300% | As per calculation. | Initial |
| 98150393 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00300% | As per calculation. | Initial |
| 98150393 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00300% | As per calculation. | Initial |
| 45861332 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 45861332 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI? is Not Applicable | Initial |
| 45861332 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.48700% | Original CLTV Ratio Percent is xx | Initial |
| 45861332 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.48700% | Original Standard LTV (OLTV) is xx | Initial |
| 72635247 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 72635247 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 72635247 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -306 (Days) |  | Interest paid through date is xx. | Initial |
| 19836704 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable | Initial |
| 19836704 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -62 (Days) |  | Interest paid trough date is xx | Initial |
| 19836704 | xx | Full Review | xx | Loan Documentation Type | Streamline Refinance | Full Documentation |  |  | Loan documentation type is Steamline refinance | Initial |
| 19836704 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance per HUD-1 is change in rate/term | Initial |
| 93225547 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 93225547 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -1068 (Days) |  | Interest paid through date is xx. | Initial |
| 93225547 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 116.92269% | Original Stated P&I is xx | Initial |
| 93225547 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 93225547 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | No Cash-Out |  |  | Purpose of Refinance Per HUD-1 is Limited Cash Out | Initial |
| 93225547 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 10199 (Days) |  | Stated Maturity Date is xx | Initial |
| 1242380 | xx | Full Review | xx | Cash To Borrower (HUD-1 Line 303) | $2797.20 | $2923.20 | $-126.00 | -4.31034% | Cash to BWR $2,797.20 | Initial |
| 1242380 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 1242380 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI not applicable | Initial |
| 7478239 | xx | Full Review | xx | Age of Loan | 9 | 10 | -1 | -10.00000% | Age of loan is 9 | Initial |
| 7478239 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is not applicable | Initial |
| 85884767 | xx | Full Review | xx | Age of Loan | 12 | 14 | -2 | -14.28571% | Age of Loan is 12 | Initial |
| 85884767 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 85884767 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 25 (Days) |  | Original Note Doc Date is xx | Initial |
| 31780887 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% |  | Initial |
| 31780887 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 31780887 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.97600% |  | Initial |
| 31780887 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.97600% |  | Initial |
| 4492226 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -853 (Days) |  | As per note. | Initial |
| 4492226 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -13.12800% | As per calculation. | Initial |
| 4492226 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -13.12800% | As per calculation. | Initial |
| 4492226 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | 13.81878% | As per 1008. | Initial |
| 42104064 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.480% | 36.848% | 6.632% | 6.63200% | Borrower DTI ratio percent is U/A. | Initial |
| 42104064 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 42104064 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 42.280% | 35.831% | 6.449% | 6.44900% | Housing ratio per U/W is U/A. | Initial |
| 42104064 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  | NA. | Initial |
| 42104064 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 95.00000% | Original standard LTV is xx. | Initial |
| 44103608 | xx | Full Review | xx | Age of Loan | 27 | 28 | -1 | -3.57142% | Age of loan is 27. | Initial |
| 44103608 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 44103608 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does not required MI cert. | Initial |
| 44103608 | xx | Full Review | xx | Original Appraisal Date | xx | xx | 6 (Days) |  | Original appraised date is xx. | Initial |
| 15325847 | xx | Full Review | xx | Age of Loan | 37 | 38 | -1 | -2.63157% |  | Initial |
| 15325847 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  |  | Initial |
| 15325847 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 15325847 | xx | Full Review | xx | Does Lender G/L Require MI? | Yes | No |  |  |  | Initial |
| 15325847 | xx | Full Review | xx | Original Appraisal Date | xx | xx | 11 (Days) |  |  | Initial |
| 15325847 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 21.82970% |  | Initial |
| 81846725 | xx | Full Review | xx | Age of Loan | 11 | 14 | -3 | -21.42857% | Age of loan is 11. | Initial |
| 81846725 | xx | Full Review | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #2 last name is xx. | Initial |
| 81846725 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.311% | 48.538% | 0.773% | 0.77300% | Borrower DTI ratio percent is 49.311%. | Initial |
| 81846725 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 81846725 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 31.924% | 30.312% | 1.612% | 1.61200% | Housing ratio per U/W is 31.924%. | Initial |
| 87066932 | xx | Full Review | xx | Age of Loan | 37 | 38 | -1 | -2.63157% | Age of loan is 37 | Initial |
| 87066932 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 87066932 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -1137 (Days) |  | Interest paid through date is xx. | Initial |
| 87066932 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original note doc date is xx | Initial |
| 79570821 | xx | Full Review | xx | Age of Loan | 8 | 9 | -1 | -11.11111% | Age of loan is 8 | Initial |
| 79570821 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 41334581 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 38 (Days) |  | Application Date (Baseline Script Version) is xx. | Initial |
| 41334581 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.71200% | Original CLTV Ratio Percent is xx. | Initial |
| 41334581 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.71200% | Original Standard LTV (OLTV) is xx. | Initial |
| 41334581 | xx | Full Review | xx | Payment History String | 00 | 0/0/0 |  |  | Payment History String is 00. | Initial |
| 66379612 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | Note date is xx. | Initial |
| 66379612 | xx | PH+SC | xx | Payment History String | 000000021 | 777777777777777771200000 |  |  | PH string is 000000012. | Initial |
| 15490519 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 15490519 | xx | PH+SC | xx | Payment History String | 000002104444321 | 777777777771233330012000 |  |  |  | Initial |
| 42065190 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 42065190 | xx | PH+SC | xx | Payment History String | 000000000000000010000000 | 000000000100000000000000 |  |  |  | Initial |
| 70895249 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | Note date is xx. | Initial |
| 70895249 | xx | PH+SC | xx | Payment History String | 000000321 | 777777777777777771230000 |  |  | PH string is 000000123. | Initial |
| 76765761 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 76765761 | xx | PH+SC | xx | Payment History String | 004321 | 777777777777777777712300 |  |  | The string is 001234 | Initial |
| 35642927 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 35642927 | xx | PH+SC | xx | Payment History String | 00000000000001 | 777777777771000000000000 |  |  |  | Initial |
| 13606535 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 13606535 | xx | PH+SC | xx | Payment History String | 00010000000000001 | 777777777100000000000010 |  |  |  | Initial |
| 48044661 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 48044661 | xx | PH+SC | xx | Payment History String | 000000000001121000000000 | 000000000012110000000000 |  |  |  | Initial |
| 72784459 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 72784459 | xx | PH+SC | xx | Payment History String | 000001100 | 777777777777777770001000 |  |  |  | Initial |
| 55162702 | xx | PH+SC | xx | Current Legal Status | Collections, < 60 Days | Performing |  |  | Current legal status is collection. | Initial |
| 55162702 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | NA | Initial |
| 55162702 | xx | PH+SC | xx | Payment History String | 100111112100000000000000 | 000000000000000112111100 |  |  | PH string is 10011111210000000000000000. | Initial |
| 7786582 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | Note date is xx. | Initial |
| 7786582 | xx | PH+SC | xx | Payment History String | 000001 | 777777777777777777771000 |  |  | PH string is 000001. | Initial |
| 38777601 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 38777601 | xx | PH+SC | xx | Payment History String | 00000000001000000 | 777777777000000100000000 |  |  |  | Initial |
| 13460206 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | NA | Initial |
| 13460206 | xx | PH+SC | xx | Payment History String | 001000000000002100000000 | 000000000120000000000000 |  |  | String is 001000000000001200000000. | Initial |
| 68950451 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 68950451 | xx | PH+SC | xx | Payment History String | 000000000000010000001001 | 010010000001000000000000 |  |  |  | Initial |
| 45132357 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 45132357 | xx | PH+SC | xx | Payment History String | 000000100000010000000000 | 000000000000100000010000 |  |  |  | Initial |
| 47150026 | xx | Full Review | xx | Age of Loan | 77 | 6 | 71 | 1183.33333% | Age of loan is 77 | Initial |
| 47150026 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #1 middle name is xx | Initial |
| 47150026 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.777% | 47.120% | -2.343% | -2.34300% | Borrower DTI Ratio percent is 44.77% | Initial |
| 47150026 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx | Initial |
| 47150026 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| 47150026 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 47150026 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  |  | Initial |
| 47150026 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 26.616% | 28.959% | -2.343% | -2.34300% | Housing ratio per is 26.616% | Initial |
| 47150026 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -2343 (Days) |  | Interest paid through date is xx. | Initial |
| 47150026 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 5478 (Days) |  |  | Initial |
| 5541655 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2 | Initial |
| 5541655 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #1middle name is xx | Initial |
| 5541655 | xx | Full Review | xx | Borrower DTI Ratio Percent | 31.442% | 12.500% | 18.942% | 18.94200% | Borrower DTI ratio percent is 14.094% | Initial |
| 5541655 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 5541655 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 11.552% | 11.500% | 0.052% | 0.05200% | Housing ratio per U/W (Initial Rate) is 11.271% | Initial |
| 5541655 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.00000% | Original CLTV Ratio Percent is xx | Initial |
| 5541655 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.86000% | Original Standard LTV (OLTV) is xx. | Initial |
| 87071217 | xx | Full Review | xx | Age of Loan | 6 | 7 | -1 | -14.28571% | Age of loan reflects 6. | Initial |
| 87071217 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 67144492 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 19 (Days) |  | xx | Initial |
| 67144492 | xx | Full Review | xx | Borrower DTI Ratio Percent | 46.863% | 46.860% | 0.003% | 0.00300% | Unavailable | Initial |
| 67144492 | xx | Full Review | xx | MI Company | Unavailable | xx |  |  | Not Applicable | Initial |
| 67144492 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | xx | Initial |
| 46524787 | xx | Full Review | xx | Age of Loan | 0 | 2 | -2 | -100.00000% | Age of loan is 0. | Initial |
| 46524787 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 46524787 | xx | Full Review | xx | Payment History String | 0 | 0x0x0x0 |  |  | payment history sting is 0. | Initial |
| 46524787 | xx | Full Review | xx | Stated Remaining Term | 360 | 359 | 1 | 0.27855% | Stated remaining term is 360. | Initial |
| 72377820 | xx | Full Review | xx | Age of Loan | 0 | 1 | -1 | -100.00000% | NA. | Initial |
| 72377820 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 72377820 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 0.13351% | Appraisal value is xx. | Initial |
| 72377820 | xx | Full Review | xx | Payment History String | 0 | 0x0x0x0 |  |  | NA. | Initial |
| 15491375 | xx | Full Review | xx | Age of Loan | 0 | 1 | -1 | -100.00000% | NA. | Initial |
| 15491375 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 15491375 | xx | Full Review | xx | Payment History String | 0 | 0x0x0x0 |  |  | NA. | Initial |
| 9701364 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2. | Initial |
| 9701364 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 9701364 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -25 (Days) |  | Original appraisal date is xx. | Initial |
| 18989559 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.554% | 49.555% | -0.001% | -0.00100% | Borrower DTI Ratio Percent is 49.554% | Initial |
| 18989559 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 55274651 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2 | Initial |
| 55274651 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | Borrower #1 middle name is Not Applicable | Initial |
| 55274651 | xx | Full Review | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #2 last name is xx. | Initial |
| 55274651 | xx | Full Review | xx | Borrower #2 Middle Name | Not Applicable | xx |  |  | Borrower #2 middle name is Not Applicable | Initial |
| 55274651 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.753% | 51.123% | -1.370% | -1.37000% | Borrower DTI Ratio Percent is 49.753% | Initial |
| 55274651 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 55274651 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 41.528% | 42.775% | -1.247% | -1.24700% | Housing Ratio per U/W (Initial Rate) is 41.528% | Initial |
| 18480992 | xx | Full Review | xx | Age of Loan | 3 | 5 | -2 | -40.00000% | Age of loan is 3 | Initial |
| 18480992 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 18480992 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance per HUD-1 is change in rate/term. | Initial |
| 28319698 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 First Name is xx | Initial |
| 28319698 | xx | Full Review | xx | Borrower DTI Ratio Percent | 54.215% | 49.000% | 5.215% | 5.21500% | Borrower DTI Ratio Percent is 53.981% | Initial |
| 28319698 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx | Initial |
| 28319698 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | current value is not applicable | Initial |
| 28319698 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow Account Indicator is Yes | Initial |
| 28319698 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 3.88900% | Original CLTV Ratio Percent is xx | Initial |
| 28319698 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 3.88900% | Original Standard LTV(OLTV) is xx | Initial |
| 28319698 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 28319698 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 30117721 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 80678524 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | Note date is xx. | Initial |
| 80678524 | xx | PH+SC | xx | Payment History String | 000010000000000000000100 | 000000000000000000000000 |  |  | PH string is 000010000000000000000100. | Initial |
| 92126130 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 48191907 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | Not Applicable. | Initial |
| 15449726 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | Did not use for review. | Initial |
| 37799853 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 34050905 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 34050905 | xx | PH+SC | xx | Payment History String | 000000000000000010000000 | 000000000000000000000000 |  |  |  | Initial |
| 88351707 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 68302828 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 48217410 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 34164413 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 42415115 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 13048411 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | Note date is xx. | Initial |
| 38610796 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | NA | Initial |
| 51946107 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | Note date is xx. | Initial |
| 1220884 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | Not Applicable. | Initial |
| 89743638 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | Note date is xx. | Initial |
| 51436757 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | NA | Initial |
| 21121444 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 42 (Days) |  | Application date is xx. | Initial |
| 21121444 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  | NA. | Initial |
| 21121444 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator is yes. | Initial |
| 26351345 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 55 (Days) |  | Application date is xx. | Initial |
| 26351345 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  |  | Initial |
| 26351345 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator is yes | Initial |
| 26351345 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 49628471 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 58 (Days) |  | Final 1003 date is xx. | Initial |
| 49628471 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.727% | 46.895% | -3.168% | -3.16800% | DTI is 4.72%. | Initial |
| 49628471 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  |  | Initial |
| 49628471 | xx | Full Review | xx | Escrow Account Indicator | No | Yes |  |  | No Escrow. | Initial |
| 49628471 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Appraisal reflects property type as PUD. | Initial |
| 19460922 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 22 (Days) |  | As per 1003. | Initial |
| 19460922 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  |  | Initial |
| 19460922 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | As per documents. | Initial |
| 19460922 | xx | Full Review | xx | MI Coverage Amount | 30.000% | 62.000% | -32.000% | -32.00000% | As per MI cert. | Initial |
| 3713966 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 49 (Days) |  |  | Initial |
| 3713966 | xx | Full Review | xx | Borrower DTI Ratio Percent | 37.822% | 38.720% | -0.898% | -0.89800% |  | Initial |
| 3713966 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  |  | Initial |
| 3713966 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  |  | Initial |
| 3713966 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  |  | Initial |
| 885383 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 51 (Days) |  | Application Date (Baseline Script Version) is xx | Initial |
| 885383 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.759% | 50.029% | -0.270% | -0.27000% | Borrower DTI Ratio Percent is 49.759% | Initial |
| 885383 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  |  | Initial |
| 885383 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator is Yes | Initial |
| 885383 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original Note Doc Date is xx | Initial |
| 885383 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of Refinance Per HUD-1 is Limited Cash Out | Initial |
| 885383 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction per HUD-1 is Refinance | Initial |
| 76142283 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 16 (Days) |  | Application date is xx | Initial |
| 76142283 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  | NA. | Initial |
| 76142283 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow Account Indicator is Yes | Initial |
| 76142283 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | Original Note Doc Date is xx | Initial |
| 76142283 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 44197074 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 92 (Days) |  | Application Date (Baseline script version) is xx | Initial |
| 44197074 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 44197074 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow Account Indicator is Yes | Initial |
| 44197074 | xx | Full Review | xx | MI Coverage Amount | 12.000% | 46.000% | -34.000% | -34.00000% |  | Initial |
| 91617355 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 94 (Days) |  | Application Date is xx | Initial |
| 91617355 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  | NA | Initial |
| 91617355 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow Account indicator is yes | Initial |
| 91617355 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | Original Note Doc Date is xx | Initial |
| 34609541 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 85 (Days) |  | Application date is xx | Initial |
| 34609541 | xx | Full Review | xx | Borrower Last Name | xx |  |  |  | Borrower last name is xx | Initial |
| 34609541 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  | Deferred Balance Amount is Unavailable | Initial |
| 34609541 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator is yes | Initial |
| 34609541 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original note doc date is xx | Initial |
| 7040976 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 22 (Days) |  |  | Initial |
| 7040976 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  |  | Initial |
| 7040976 | xx | Full Review | xx | Escrow Account Indicator | No | Yes |  |  |  | Initial |
| 7040976 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  |  | Initial |
| 62979401 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 51 (Days) |  | Application date xx | Initial |
| 62979401 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | BWR 1 Middle name not applicable | Initial |
| 62979401 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  |  | Initial |
| 62979401 | xx | Full Review | xx | Escrow Account Indicator | No | Yes |  |  | Escrow account indicator no | Initial |
| 62979401 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -4 (Days) |  | Original note doc date xx | Initial |
| 24236870 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 47 (Days) |  | Application Date is xx | Initial |
| 24236870 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #1 middle name is xx | Initial |
| 24236870 | xx | Full Review | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower #2 Middle Name is xx | Initial |
| 24236870 | xx | Full Review | xx | Borrower DTI Ratio Percent | 32.028% | 32.030% | -0.002% | -0.00200% | Borrower DTI Ratio Percent is 32.028% | Initial |
| 24236870 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $0.00 |  |  | Unavailable. | Initial |
| 24236870 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow Account Indicator is Yes | Initial |
| 24236870 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Unavailable. | Initial |
| 24236870 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 0.68965% | Original appraised value is xx. | Initial |
| 24236870 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 3.45200% | Original CLTV Ratio Percent is xx | Initial |
| 24236870 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original Note Doc Date is xx | Initial |
| 24236870 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 3.45200% | Original Standard LTV (OLTV) is xx | Initial |
| 24236870 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Unavailable. | Initial |
| 93491709 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 219 (Days) |  |  | Initial |
| 93491709 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  |  | Initial |
| 93491709 | xx | Full Review | xx | Escrow Account Indicator | No | Yes |  |  |  | Initial |
| 93491709 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  |  | Initial |
| 98654647 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 43 (Days) |  | Application date is xx. | Initial |
| 98654647 | xx | Full Review | xx | Borrower DTI Ratio Percent | 52.418% | 52.420% | -0.002% | -0.00200% | Borrower DTI ratio percent is 52.418%. | Initial |
| 98654647 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  | N/A. | Initial |
| 98654647 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator is yes. | Initial |
| 98654647 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -4 (Days) |  | Original note doc date is xx. | Initial |
| 71391026 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 22 (Days) |  | Application date is xx. | Initial |
| 71391026 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower # 1 middle name is xx. | Initial |
| 71391026 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  | Deferred balance amount is not applicable | Initial |
| 71391026 | xx | Full Review | xx | Escrow Account Indicator | No | Yes |  |  | Escrow account indicator is no | Initial |
| 71391026 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | Original note doc date is xx. | Initial |
| 85468985 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 20 (Days) |  |  | Initial |
| 85468985 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  |  | Initial |
| 85468985 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  |  | Initial |
| 85468985 | xx | Full Review | xx | MI Coverage Amount | 30.000% | 40.000% | -10.000% | -10.00000% |  | Initial |
| 85468985 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -4 (Days) |  |  | Initial |
| 73298876 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 84 (Days) |  |  | Initial |
| 73298876 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  |  | Initial |
| 73298876 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.119% | 38.221% | 3.898% | 3.89800% |  | Initial |
| 73298876 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $0.00 |  |  |  | Initial |
| 73298876 | xx | Full Review | xx | Escrow Account Indicator | No | Yes |  |  |  | Initial |
| 73298876 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  |  | Initial |
| 38815515 | xx | Full Review | xx | Age of Loan | 0 | 1 | -1 | -100.00000% | Age of loan is 0 | Initial |
| 38815515 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 38815515 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 38815515 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | Original CLTV Ratio Percent is xx | Initial |
| 38815515 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | Original Standard LTV (OLTV) IS xx | Initial |
| 52837292 | xx | Full Review | xx | Age of Loan | 21 | 22 | -1 | -4.54545% | Age of loan reflects 21. | Initial |
| 52837292 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 52837292 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | -0.00748% | Appraised value reflects xx | Initial |
| 52837292 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00700% | CLTV reflects xx. | Initial |
| 52837292 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00700% | LTV reflects xx. | Initial |
| 52837292 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  |  | Initial |
| 22221607 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.071% | 51.000% | -3.929% | -3.92900% | LP shows DTI as 47.071%. | Initial |
| 22221607 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 0.02474% | Note reflects P&I as xx. | Initial |
| 22221607 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 10957 (Days) |  | Note reflects maturity date as xx. | Initial |
| 39801482 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | -43.26118% | Original stated P&I is xx | Initial |
| 39801482 | xx | Full Review | xx | Original Stated Rate | 5.99000% | 7.00000% | -1.01000% | -1.01000% | Original stated rate is 5.99000% | Initial |
| 51568114 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 7305 (Days) |  | Original Note Doc Date is xx | Initial |
| 51568114 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | -20.54073% | Original stated P&I is xx | Initial |
| 95730970 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.868% | 67.000% | -18.132% | -18.13200% | Borrower DTI ratio percent is 48.868%. | Initial |
| 95730970 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00600% | Original standard LTV is xx. | Initial |
| 95730970 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 0.01784% | Original stated P&I is xx. | Initial |
| 95730970 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 4293 (Days) |  |  | Initial |
| 61093992 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | As per note. | Initial |
| 61093992 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 2.56800% | As per calculation. | Initial |
| 61093992 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 38.19400% | As per calculation. | Initial |
| 61093992 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | -0.01464% | As per note. | Initial |
| 50231522 | xx | Full Review | xx | Amortization Term Months (CE, S&P) | 360 | 480 | -120 | -25.00000% | Amortization ter | Initial |
| 50231522 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 50231522 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 480 | -120 | -25.00000% | Loan Original Maturity Date Term months is 360 | Initial |
| 50231522 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00200% | Original CLTV Ratio Percent is Unavailable | Initial |
| 50231522 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00200% |  | Initial |
| 50231522 | xx | Full Review | xx | Payment History String | 000001444444444444444444 | 00000DDDDDDD |  |  |  | Initial |
| 70651965 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 40898815 | xx | Full Review | xx | Amortization Term Months (CE, S&P) | 360 | 331 | 29 | 8.76132% | Amortization Term Months 360 | Initial |
| 40898815 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 40898815 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | 365 (Days) |  | Doc Date of last modification xx | Initial |
| 40898815 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 331 | 29 | 8.76132% | Loan Original Maturity Term Months 360 | Initial |
| 40898815 | xx | Full Review | xx | Payment History String | 000100000000000000000000 | 000000000000000000000000 |  |  | Payment History String 223210000000000000MMMMMM | Initial |
| 89315053 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 89315053 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 89315053 | xx | Full Review | xx | Payment History String | 002110010000000000000000 | 000000000000 |  |  |  | Initial |
| 90103154 | xx | Full Review | xx | Amortization Term Months (CE, S&P) | 360 | 480 | -120 | -25.00000% | Amortization Term Months 360 | Initial |
| 90103154 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 90103154 | xx | Full Review | xx | Currently in Foreclosure? | Yes | No |  |  | Currently Foreclosure Yes | Initial |
| 90103154 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 480 | -120 | -25.00000% | Loan Original Maturity Term Months 360 | Initial |
| 90103154 | xx | Full Review | xx | Payment History String | 000004444444443222212222 | 0000DDDDDDDD |  |  | Payment History String 000001444MMMMMMMMMMMMMM | Initial |
| 98914713 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 98914713 | xx | Full Review | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in foreclosure is yes. | Initial |
| 98914713 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $1678.76 |  |  | Deferred balance amount is not applicable. | Initial |
| 98914713 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 5.00000% | Original CLTV Ratio Percent xx. | Initial |
| 98914713 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 20.00000% | Original Standard LTV xx. | Initial |
| 98914713 | xx | Full Review | xx | Payment History String | 111100232100101011102111 | 000002321001010111021113 |  |  | Payment History String is 111100221000101011102111. | Initial |
| 98914713 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street xx . | Initial |
| 30936735 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 30936735 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  |  | Initial |
| 30936735 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 222222222223 |  |  | N/A. | Initial |
| 30936735 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  |  | Initial |
| 18306735 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.948% | 49.940% | 0.008% | 0.00800% | Borrower DTI ratio percent is 49.948% | Initial |
| 18306735 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 99136714 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | NA. | Initial |
| 99136714 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 99136714 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | NA. | Initial |
| 99136714 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -4 (Days) |  | Original note doc date is xx. | Initial |
| 99136714 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | NA. | Initial |
| 92304988 | xx | Full Review | xx | Age of Loan | 39 | 40 | -1 | -2.50000% |  | Initial |
| 92304988 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 92304988 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  |  | Initial |
| 92304988 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -7 (Days) |  |  | Initial |
| 92304988 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  |  | Initial |
| 92304988 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |
| 92304988 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  |  | Initial |
| 92304988 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 974 (Days) |  |  | Initial |
| 92304988 | xx | Full Review | xx | Stated Remaining Term | 353 | 321 | 32 | 9.96884% |  | Initial |
| 15443640 | xx | Full Review | xx | Age of Loan | 39 | 40 | -1 | -2.50000% | The age of loan is 39 | Initial |
| 15443640 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 15443640 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | Does Lender G/L Required MI? is Not Applicable | Initial |
| 15443640 | xx | Full Review | xx | Original Note Doc Date | Unavailable | xx |  |  |  | Initial |
| 15443640 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  |  | Initial |
| 52310334 | xx | Full Review | xx | Amortization Term Months (CE, S&P) | 360 | 511 | -151 | -29.54990% |  | Initial |
| 52310334 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 52310334 | xx | Full Review | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| 52310334 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  |  | Initial |
| 52310334 | xx | Full Review | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| 52310334 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 511 | -151 | -29.54990% |  | Initial |
| 52310334 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 52310334 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -28 (Days) |  |  | Initial |
| 52310334 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 20.90229% |  | Initial |
| 52310334 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 30552383 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 35 (Days) |  | Application date xx. | Initial |
| 30552383 | xx | Full Review | xx | B1 Self-Employed? | Unavailable | Yes |  |  |  | Initial |
| 30552383 | xx | Full Review | xx | Debt Service Coverage Ratio (DSCR) | 1.26 | 1.2 | 0.06 | 5.00000% | DSCR 1.26. | Initial |
| 30552383 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | Note date xx. | Initial |
| 30552383 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 74.84292% | P&I xx. | Initial |
| 16683127 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 29 (Days) |  |  | Initial |
| 16683127 | xx | Full Review | xx | B1 Self-Employed? | Unavailable | Yes |  |  |  | Initial |
| 16683127 | xx | Full Review | xx | Borrower First Name | Not Applicable | xx |  |  |  | Initial |
| 16683127 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 16683127 | xx | Full Review | xx | Cash To Borrower (HUD-1 Line 303) | $241464.56 | $1495.00 | $239969.56 | 16051.47558% |  | Initial |
| 16683127 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 82.09062% |  | Initial |
| 40449299 | xx | Full Review | xx | Application Date (Baseline script version) | xx | xx | 35 (Days) |  | As per 1003. | Initial |
| 40449299 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.690% | 44.782% | -0.092% | -0.09200% | As per calculation. | Initial |
| 40449299 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00300% | As per calculation. | Initial |
| 40449299 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00300% | As per calculation. | Initial |
| 91991097 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.335% | 47.851% | -0.516% | -0.51600% | As per calculation. | Initial |
| 95645654 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -28 (Days) |  | Interest paid through date is xx. | Initial |
| 95645654 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.66200% | Original CLTV ratio percent is xx. | Initial |
| 95645654 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.66200% | Original standard LTV is xx. | Initial |
| 41954300 | xx | Full Review | xx | Payment History String | 0000000000 | 0000000 |  |  |  | Initial |
| 46654775 | xx | Full Review | xx | Payment History String | 000000000 | 0000000 |  |  |  | Initial |
| 91459689 | xx | Full Review | xx | Payment History String | 00000000 | 000000 |  |  | PH string is 00000000. | Initial |
| 64878014 | xx | Full Review | xx | Age of Loan | 92 | 9 | 83 | 922.22222% | Age of Loan is 92. However the tape data shows 9. | Initial |
| 64878014 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -39 (Days) |  | Doc Date of Last Modification is xx. However the tape data shows xx. | Initial |
| 64878014 | xx | Full Review | xx | Loan Amortization Type | Step | Fixed |  |  | Loan Amortization Type is Step. However the tape data shows Fixed. | Initial |
| 64878014 | xx | Full Review | xx | Mod Step 1 Date | xx | xx | -1096 (Days) |  | Mod Step 1 Date is xx. However the tape data shows xx. | Initial |
| 64878014 | xx | Full Review | xx | Mod Step 1 Rate | 2.000% | 3.000% | -1.000% | -1.00000% | Mod Step 1 Rate is 2.00%. However the tape data shows 3.00%. | Initial |
| 64878014 | xx | Full Review | xx | Mod Step 2 Date | xx | xx | -365 (Days) |  | Mod Step 2 Date is xx. However the tape data shows xx. | Initial |
| 64878014 | xx | Full Review | xx | Mod Step 2 Rate | 3.000% | 4.000% | -1.000% | -1.00000% | Mod Step 2 Rate is 3.00%. However the tape data shows 4.00%. | Initial |
| 64878014 | xx | Full Review | xx | Mod Step 3 Date | xx | xx | -366 (Days) |  | Mod Step 3 Date is xx. However the tape data shows xx. | Initial |
| 64878014 | xx | Full Review | xx | Mod Step 3 Rate | 4.000% | 4.040% | -0.040% | -0.04000% | Mod Step 3 rate is 4.00%. However the tape data shows 4.040%. | Initial |
| 64878014 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -6.96800% | Original CLTV Ratio Percent is xx. However the tape data shows xx. | Initial |
| 64878014 | xx | Full Review | xx | Payment History String | 444444444444 | 999999999999987654322110 |  |  | Payment History String is 444444444444. However the tape data shows 999999999999987654322110. | Initial |
| 64878014 | xx | Full Review | xx | Payment History String Reversed | 444444444444 | 011223456989999999999999 |  |  | Payment History String Reversed is 444444444444. However the tape data shows 01122345698999999999999. | Initial |
| 64878014 | xx | Full Review | xx | Principal Balance Stated in Mod | xx | xx | xx | 73.70054% | Principal Balance Stated in Mod is xx. However the tape data shows xx. | Initial |
| 64878014 | xx | Full Review | xx | Purpose of Refinance Per Application | Debt consolidation | Cash Out - Other |  |  | Purpose of Refinance Per application is Debt Consolidation. However the tape data shows Cash Out-Other. | Initial |
| 64878014 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 6178 (Days) |  | Stated Maturity Date is xx. However the tape data shows xx. | Initial |
| 64878014 | xx | Full Review | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | The total balance of junioe lien is not applicable. However the tape data shows xx. | Initial |
| 64878014 | xx | Full Review | xx | Total Term Including Mod. Extensions | 563 | 480 | 83 | 17.29166% | Total Term Including MOd. Extensions is Error. However the tape data shows 480. | Initial |
| 40520368 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 40520368 | xx | Full Review | xx | Deferred Balance Amount | $35898.38 | $35898.00 | $0.38 | 0.00105% |  | Initial |
| 40520368 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -37 (Days) |  |  | Initial |
| 40520368 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -9.45500% |  | Initial |
| 40520368 | xx | Full Review | xx | Original Stated Rate | 3.85000% | 2.87500% | 0.97500% | 0.97500% |  | Initial |
| 40520368 | xx | Full Review | xx | Property Postal Code | xx | xx |  |  |  | Initial |
| 30226207 | xx | Full Review | xx | ARM Index Margin Percent | xx | xx | -495.000% | -495.00000% | Tape shows ARM index margin percent xx% but audit value shows xx%. | Initial |
| 30226207 | xx | Full Review | xx | ARM Index Type | 30-day Average SOFR | Secured Overnight Financing Rate (SOFR) |  |  | Tape shows ARM index type as secured overnight financing but audit value shows 310-day average SOFR. | Initial |
| 30226207 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows current value xx but audit value shows not applicable. | Initial |
| 30226207 | xx | Full Review | xx | Occupancy at Origination (Property Usage Type) | Primary | Secondary |  |  | Tape shows occupancy at origination (property usage type) secondary but audit value shows primary. | Initial |
| 30226207 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.02400% | Tape shows original standard LTV(OLTV) xx but audit value shows xx. | Initial |
| 30226207 | xx | Full Review | xx | Original Stated Rate | 7.99000% | 9.62500% | -1.63500% | -1.63500% | Tape shows original stated rate 9.62500% but audit value shows 7.99000%. | Initial |
| 30226207 | xx | Full Review | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | Tape shows subject property low rise condo (1-4 stories) but audit value shows high rise condo (>=9 stories) | Initial |
| 84553886 | xx | Full Review | xx | Borrower DTI Ratio Percent | 14.255% | 28.556% | -14.301% | -14.30100% | Tape Show Borrower DTI ratio Percent data Provided 28.556% audit value 14.255%. | Initial |
| 84553886 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape Show Current value data Provided xx audit value not applicable. | Initial |
| 84553886 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 14.68200% | Tape Show Original standard LTV(OLTV) data provided xx audit value xx. | Initial |
| 84553886 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Tape Show Purpose of Refinance Per HUD-1 data Provided Change in rate/term audit value cash out-other. | Initial |
| 84553886 | xx | Full Review | xx | Subject Property Type | Single Family | PUD |  |  | Tape Show subject Property type data Provided PUD audit value Single family. | Initial |
| 2336866 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 2336866 | xx | Full Review | xx | Deferred Balance Amount | $454.18 | $454.00 | $0.18 | 0.03964% | Deferred balance amount is unavailable. | Initial |
| 2336866 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -119 (Days) |  | Doc date of last modification is unavailable. | Initial |
| 2336866 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 17.42700% | Original standard LTV is xx. | Initial |
| 2336866 | xx | Full Review | xx | Original Stated Rate | 7.62500% | 3.00000% | 4.62500% | 4.62500% | Original stated rate is 7.62500%. | Initial |
| 2336866 | xx | Full Review | xx | Payment History String | 000000100000000000000000 | 000010000000000000000000 |  |  | Payment history string is 000000100000000000000000. | Initial |
| 2336866 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 64908005 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | current value N.A | Initial |
| 64908005 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $11522.00 |  |  | defferred balance unavailable | Initial |
| 64908005 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  | doc date of last mod unavalable | Initial |
| 64908005 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | amortization unavailable | Initial |
| 64908005 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00013% | original balance xx | Initial |
| 64908005 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 37.50500% | LTV xx | Initial |
| 64908005 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | purpose of refinance per HUD change in rate term | Initial |
| 64908005 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | purpose of transaction refinance | Initial |
| 64908005 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | unavailable | Initial |
| 15825453 | xx | Full Review | xx | Borrower DTI Ratio Percent | 37.660% | 38.107% | -0.447% | -0.44700% | As per document. | Initial |
| 15825453 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 15825453 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 50.97000% | As per document. | Initial |
| 15825453 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per document. | Initial |
| 72304677 | xx | Full Review | xx | Borrower DTI Ratio Percent | 62.856% | 54.956% | 7.900% | 7.90000% |  | Initial |
| 72304677 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 72304677 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 4.55000% | LTV is xx. | Initial |
| 72304677 | xx | Full Review | xx | Payment History String | 00000000000000000 | 00000000000000 |  |  |  | Initial |
| 72304677 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Note reflects address as xx. | Initial |
| 60081522 | xx | Full Review | xx | Borrower DTI Ratio Percent | 45.468% | 44.964% | 0.504% | 0.50400% | BWR DTI 45.46% | Initial |
| 60081522 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | current value N.A | Initial |
| 60081522 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 11.65000% | original standard LTV xx | Initial |
| 43561624 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 43561624 | xx | Full Review | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV(OLTV) is Unavailable | Initial |
| 43561624 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Not Applicable | Cash Out - Other |  |  | Purpose of Refinance Per HUD-1 is Not Applicable | Initial |
| 43561624 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Purchase | Cash Out |  |  | Purpose of Transaction per HUD-1 is Purchase | Initial |
| 43561624 | xx | Full Review | xx | Purpose Per Application | Purchase | Refinance |  |  | Purpose Per Application | Initial |
| 43561624 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 61933046 | xx | Full Review | xx | Borrower DTI Ratio Percent | 28.877% | 19.346% | 9.531% | 9.53100% | Borrower DTI ratio percent is 28.877%. | Initial |
| 61933046 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | current value is not applicable. | Initial |
| 61933046 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 32.03000% | Original standard LTV is xx. | Initial |
| 87541294 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 87541294 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 8.98000% | As per loan document. | Initial |
| 87541294 | xx | Full Review | xx | Payment History String | 000000000000000000MMMM00 | 000000000000000000000000 |  |  |  | Initial |
| 8660357 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.674% | 44.672% | 0.002% | 0.00200% | Tape shows borrower DTI ratio percent as 44.672% but audit value shows 44.674%. | Initial |
| 8660357 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows current value as xx but audit value shows not applicable. | Initial |
| 8660357 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 5.73000% | Tape shows original standard LTV as xx but audit value shows xx. | Initial |
| 11101253 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.694% | 47.443% | 0.251% | 0.25100% | Borrower DTI Ratio Percent si 47.694% | Initial |
| 11101253 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 11101253 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.54000% | Original Standard LTV(OLTV) is xx | Initial |
| 11101253 | xx | Full Review | xx | Payment History String | 000000000444444321000 | 000000000000000000 |  |  | Payment History String is 000000000444444321000 | Initial |
| 69187773 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 69187773 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 28.24000% | Original standard LTV (OLTV) is xx. | Initial |
| 69187773 | xx | Full Review | xx | Payment History String | 00000000010000000001344 | 000000000000000000000000 |  |  | Payment history string is 0000000000000001344. | Initial |
| 59418757 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 59418757 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 28.79000% | Original Standard LTV (OLTV) is xx. | Initial |
| 59418757 | xx | Full Review | xx | Original Stated Rate | 6.25000% | 5.01900% | 1.23100% | 1.23100% | Original Stated Rate is 6.25000%. | Initial |
| 59418757 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 000002000000000000000000 |  |  | Payment History String is 000000000000000000000000. | Initial |
| 59418757 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 59418757 | xx | Full Review | xx | Property City | xx | xx |  |  | Property City is xx. | Initial |
| 59418757 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of Refinance Per HUD-1 is Change in Rate/ Term. | Initial |
| 59418757 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction per HUD-1 is Refinance. | Initial |
| 60381650 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.046% | 48.984% | -1.938% | -1.93800% | Borrower DTI ratio percent is 47.046%. | Initial |
| 60381650 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 60381650 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.52300% | Original standard LTV (OLTV) is xx. | Initial |
| 60381650 | xx | Full Review | xx | Payment History String | 000000000000 | 000000000 |  |  | Payment history string is 0000000000000. | Initial |
| 33921466 | xx | Full Review | xx | Borrower DTI Ratio Percent | 26.117% | 26.349% | -0.232% | -0.23200% | Borrower DTI ratio percent is 26.117%. | Initial |
| 33921466 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 33921466 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 8.23000% | Original standard LTV is xx. | Initial |
| 30526366 | xx | Full Review | xx | Borrower DTI Ratio Percent | 34.796% | 34.809% | -0.013% | -0.01300% | Tape shows Borrower DTI Ratio percent Data provided 34.809% and Audit value 34.796%. | Initial |
| 30526366 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows Current value Data provided xx and Audit value Not applicable. | Initial |
| 30526366 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 22.60600% | Tape shows Original standard LTV Data provided xx and Audit value xx. | Initial |
| 36181032 | xx | Full Review | xx | Borrower DTI Ratio Percent | 38.775% | 38.312% | 0.463% | 0.46300% | Borrower DTI Ratio Percent is 38.775% | Initial |
| 36181032 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 36181032 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.88000% | Original Standard LTV(OLTV) is xx | Initial |
| 36181032 | xx | Full Review | xx | Payment History String | 00000000000000 | 00000000000 |  |  | Payment History String is 00000MMMM00000. | Initial |
| 36181032 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 91426616 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape Current Value data xx audit value Not applicable. | Initial |
| 91426616 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.59000% | Tape Show Original Standard LTV(OLTV) data Provided xx audit value xx. | Initial |
| 91426616 | xx | Full Review | xx | Payment History String | 00000000000 | 000000000 |  |  | Tape Show Payment History String data Provided 00000000 audit value 000000000. | Initial |
| 87382448 | xx | Full Review | xx | Borrower DTI Ratio Percent | 23.015% | 24.420% | -1.405% | -1.40500% | Borrower DTI Ratio Percent is 23.015% | Initial |
| 87382448 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 87382448 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.66300% | Original standard LTV is xx. | Initial |
| 87382448 | xx | Full Review | xx | Payment History String | 00000000000 | 000000000 |  |  | Payment history string is 00000000000MM | Initial |
| 26269042 | xx | Full Review | xx | Borrower DTI Ratio Percent | 45.713% | 45.720% | -0.007% | -0.00700% | Borrower DTI ratio percent is 45.713%. | Initial |
| 26269042 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 26269042 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 38.81000% | Original standard LTV is xx. | Initial |
| 26269042 | xx | Full Review | xx | Payment History String | 000000MMM000000000000000 | 000000000000000000000000 |  |  | Payment history string is 000000MMMMMMMMMMMMMMMMMM. | Initial |
| 312288 | xx | Full Review | xx | ARM Index Margin Percent | xx | xx | -205.900% | -205.90000% | ARM Index Margin is xx%. | Initial |
| 312288 | xx | Full Review | xx | ARM Index Type | Federal Funds Rate | LIBOR - One Month WSJ |  |  | ARM Index Value is LIBOR - One Year WSJ. | Initial |
| 312288 | xx | Full Review | xx | ARM Lifetime Floor Percent | 2.100% | 2.080% | 0.020% | 0.02000% | ARM Lifetime Floor Percent is 2.100%. | Initial |
| 312288 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not applicable. | Initial |
| 312288 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 23.77500% | Original standard LTV is xx. | Initial |
| 312288 | xx | Full Review | xx | Original Stated Rate | 7.09700% | 7.14100% | -0.04400% | -0.04400% | Original Stated Rate is 7.09700% | Initial |
| 312288 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 312288 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -17 (Days) |  | Stated Maturity Date is xx | Initial |
| 58971973 | xx | Full Review | xx | Borrower DTI Ratio Percent | 2.435% | 2.433% | 0.002% | 0.00200% | Borrower DTI Ratio percent is 2.435% | Initial |
| 58971973 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 58971973 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 17.38400% | Original Standard LTV(OLTV) is xx | Initial |
| 58971973 | xx | Full Review | xx | Payment History String | 000000000000000011MMMM00 | 000000000000011000000000 |  |  | Payment History String is not Applicable | Initial |
| 55677809 | xx | Full Review | xx | Borrower DTI Ratio Percent | 41.179% | 29.502% | 11.677% | 11.67700% | As per the document borrower DTI Ratio percent 41.179% but tape shows 29.502%. | Initial |
| 55677809 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 55677809 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.54000% | As per the document original Standard LTV xx but tape shows xx. | Initial |
| 55677809 | xx | Full Review | xx | Payment History String | 000000000000 | 000000000 |  |  |  | Initial |
| 94835262 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows current value as xx but audit value shows not applicable. | Initial |
| 94835262 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.27000% | Tape shows original standard LTV as xx but audit value shows xx. | Initial |
| 94835262 | xx | Full Review | xx | Payment History String | 00000000000000 | 00000000000 |  |  | Payment history string is updated as per the string. | Initial |
| 78624083 | xx | Full Review | xx | Borrower DTI Ratio Percent | 23.969% | 23.963% | 0.006% | 0.00600% | Borrower DTI Ratio is 23.969% | Initial |
| 78624083 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 78624083 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 33.59000% | Original standard LTV is xx. | Initial |
| 78624083 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 39077992 | xx | Full Review | xx | Borrower DTI Ratio Percent | 33.101% | 33.100% | 0.001% | 0.00100% | Borrower DTI ratio percent is 33.101%. | Initial |
| 39077992 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 39077992 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 8.98000% | Original standard LTV xx. | Initial |
| 39077992 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 000000000000000000000100 |  |  | payment history string is 000000000000000000000000. | Initial |
| 39077992 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance per HUD-1 Limited Cash Out. | Initial |
| 61841367 | xx | Full Review | xx | Borrower DTI Ratio Percent | 29.589% | 30.150% | -0.561% | -0.56100% | BRW DTI ratio percent is 29.58%. | Initial |
| 61841367 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 61841367 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 8.67600% | Original standard LTV is xx. | Initial |
| 61841367 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street xx. | Initial |
| 48266026 | xx | Full Review | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower #2 middle name is xx. | Initial |
| 48266026 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.820% | 57.791% | -14.971% | -14.97100% | Borrower DTI Ratio Percent is 42.820% | Initial |
| 48266026 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is is Not Applicable | Initial |
| 48266026 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 36.06000% | Original Standard LTV(OLTV) is xx | Initial |
| 82536029 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | As per documents. | Initial |
| 82536029 | xx | Full Review | xx | Borrower DTI Ratio Percent | 46.865% | 47.101% | -0.236% | -0.23600% | As per documents. | Initial |
| 82536029 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | As per documents. | Initial |
| 82536029 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 82536029 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 21.95100% | As per documents. | Initial |
| 82536029 | xx | Full Review | xx | Payment History String | 000000211110000000000000 | 000211110000000000000000 |  |  |  | Initial |
| 98188280 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.375% | 49.422% | -0.047% | -0.04700% | Borrower DTI ratio percent is 49.375% | Initial |
| 98188280 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Crurent value is not applicable | Initial |
| 98188280 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.32000% | Original standard LTV is xx. | Initial |
| 38378364 | xx | Full Review | xx | Borrower DTI Ratio Percent | 31.932% | 60.154% | -28.222% | -28.22200% | Borrower DTI ratio percent is 31.932%. | Initial |
| 38378364 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 38378364 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.83900% | Original standard LTV (OLTV) is xx. | Initial |
| 38378364 | xx | Full Review | xx | Payment History String | 000000000000000000 | 000000000000000 |  |  | Payment history string is 00000000000000MMM. | Initial |
| 87711656 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 87711656 | xx | Full Review | xx | Deferred Balance Amount | $77346.13 | $77346.00 | $0.13 | 0.00016% | Deferred balance amount is $77,346.13. | Initial |
| 87711656 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -53 (Days) |  | Doc date of last modification is U/A. | Initial |
| 87711656 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Loan amortization type is U/A. | Initial |
| 87711656 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 27.92000% | Original standard LTV is xx. | Initial |
| 87711656 | xx | Full Review | xx | Original Stated Rate | 6.12500% | 3.00000% | 3.12500% | 3.12500% | Original stated rate is 6.12500%. | Initial |
| 87711656 | xx | Full Review | xx | Property City | xx | xx |  |  | Property city is xx. | Initial |
| 87711656 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -30 (Days) |  | Stated maturity date is xx. | Initial |
| 20231853 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 20231853 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 4.88300% | As per 1008 LTV is xx. | Initial |
| 21549700 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.624% | 58.739% | -16.115% | -16.11500% | Borrower DTI Ratio percent is 42.62% | Initial |
| 21549700 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 21549700 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 28.01700% | Original standard LTV is xx. | Initial |
| 1876273 | xx | Full Review | xx | ARM Index Type | Unavailable | Secured Overnight Financing Rate (SOFR) |  |  | ARM Index type is unavailable | Initial |
| 1876273 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 1876273 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $16844.00 |  |  | Deferred balance amount is unavailable | Initial |
| 1876273 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Doc date of last modification is unavailable | Initial |
| 1876273 | xx | Full Review | xx | Loan Amortization Type | Unavailable | ARM |  |  | Loan amortization type is unavailable | Initial |
| 1876273 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 10.68000% | Original standard LTV is xx. | Initial |
| 1876273 | xx | Full Review | xx | Original Stated Rate | 5.00000% | 7.00000% | -2.00000% | -2.00000% | Original stated rate is 5.000% | Initial |
| 1876273 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated maturity date is unavailable | Initial |
| 96251177 | xx | Full Review | xx | ARM Index Margin Percent | xx | xx | -272.250% | -272.25000% |  | Initial |
| 96251177 | xx | Full Review | xx | Borrower DTI Ratio Percent | 38.132% | 35.241% | 2.891% | 2.89100% |  | Initial |
| 96251177 | xx | Full Review | xx | Minimum Payment Rate Floor Percent | Not Applicable | 3.250% |  |  |  | Initial |
| 96251177 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 3.28000% |  | Initial |
| 96251177 | xx | Full Review | xx | Payment History String | 000000000000000000 | 0000000000000000 |  |  |  | Initial |
| 93187727 | xx | Full Review | xx | Borrower DTI Ratio Percent | 26.362% | 25.845% | 0.517% | 0.51700% | As per DU DTI is 26%. | Initial |
| 93187727 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 93187727 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -46 (Days) |  |  | Initial |
| 93187727 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 27.87500% | As per DU LTV is xx. | Initial |
| 93187727 | xx | Full Review | xx | Payment History String | 000021032100102100021010 | 000210321001021000210101 |  |  |  | Initial |
| 54397484 | xx | Full Review | xx | Borrower DTI Ratio Percent | 41.753% | 42.648% | -0.895% | -0.89500% | Borrower DTI Ratio percent is 41.753% | Initial |
| 54397484 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| 54397484 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 54397484 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 8.00000% | Original appraised value is xx | Initial |
| 54397484 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -5.21000% | Original standard LTV is xx. | Initial |
| 54397484 | xx | Full Review | xx | Payment History String | 00000000000 | 000000000 |  |  | Payment history string is 000000000 | Initial |
| 71705448 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value N.A | Initial |
| 71705448 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $25290.00 |  |  | Deferred balance N.A | Initial |
| 71705448 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Doc Date of last modification N.A | Initial |
| 71705448 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  |  | Initial |
| 71705448 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 29.40000% | Original standard LTV xx. | Initial |
| 71705448 | xx | Full Review | xx | Original Stated Rate | 6.37500% | 3.25000% | 3.12500% | 3.12500% | original stated rate 6.375% | Initial |
| 71705448 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | stated maturity date xx | Initial |
| 14997377 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.869% | 43.654% | 0.215% | 0.21500% | Borrower DTI ratio percent is 43.869% | Initial |
| 14997377 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 14997377 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 24.98300% | Original standard LTV is xx. | Initial |
| 14997377 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 60259135 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.201% | 38.553% | 3.648% | 3.64800% | Borrower DTI Ratio Percent is 42.201% | Initial |
| 60259135 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 60259135 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 28.50000% | Original standard LTV is xx. | Initial |
| 60185017 | xx | Full Review | xx | Borrower DTI Ratio Percent | 32.629% | 194.483% | -161.854% | -161.85400% | Borrower DTI ratio percent is 32.629%. Tape shows 194.483%. | Initial |
| 60185017 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $3626.00 |  |  | NA | Initial |
| 60185017 | xx | Full Review | xx | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 60185017 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 49.04700% | Original standard LTV (OLTV) is xx. Tape shows xx | Initial |
| 60185017 | xx | Full Review | xx | Payment History String | 000000000000000000043210 | 000000000000000004321000 |  |  | PH string is 000000000000000000043210. | Initial |
| 60185017 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of Transaction per HUD-1 is cash out - other. Tape shows Change in Rate/term. | Initial |
| 34774897 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.871% | 35.866% | 1.005% | 1.00500% | As per loan document. | Initial |
| 34774897 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 34774897 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 34774897 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 33.99000% | Original standard LTV is xx. | Initial |
| 47200754 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 47200754 | xx | Full Review | xx | Deferred Balance Amount | $72599.51 | $72600.00 | $-0.49 | -0.00067% |  | Initial |
| 47200754 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -25 (Days) |  |  | Initial |
| 47200754 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 34.22000% | LTv is xx. | Initial |
| 47200754 | xx | Full Review | xx | Original Stated Rate | 5.37500% | 2.00000% | 3.37500% | 3.37500% | Note reflects rate as 5.375%. | Initial |
| 51376445 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 51376445 | xx | Full Review | xx | Deferred Balance Amount | $61959.29 | $68243.00 | $-6283.71 | -9.20784% | Deferred amount $61,959.29. | Initial |
| 51376445 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -24 (Days) |  | Doc date of last mod. xx. | Initial |
| 51376445 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.01000% | LTV xx. | Initial |
| 51376445 | xx | Full Review | xx | Original Stated Rate | 6.50000% | 3.75000% | 2.75000% | 2.75000% | Stated rate is 6.5%. | Initial |
| 28469188 | xx | Full Review | xx | Borrower DTI Ratio Percent | 50.554% | 50.269% | 0.285% | 0.28500% | Borrower DTI Ratio Percent is 0.00% | Initial |
| 28469188 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower Last name is xx. | Initial |
| 28469188 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 28469188 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.71100% | Original standard LTV is xx. | Initial |
| 28469188 | xx | Full Review | xx | Payment History String | 0000000000000 | 0000000000 |  |  |  | Initial |
| 86827273 | xx | Full Review | xx | Borrower DTI Ratio Percent | 41.916% | 41.923% | -0.007% | -0.00700% | Borrower DTI ratio percent is 41.916%. Tape shows 41.923% | Initial |
| 86827273 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.64000% | Original standard LTV (OLTV) is xx. Tape shows xx. | Initial |
| 86827273 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of refinance per HUD-1 is cash out - other. Tape shows change in rate/term. | Initial |
| 60944501 | xx | Full Review | xx | Borrower DTI Ratio Percent | 45.050% | 44.719% | 0.331% | 0.33100% | As per the document, the borrower DTI ratio percent is 27.748%, but the tape shows 44.719%. | Initial |
| 60944501 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -13.43000% | As per the document, the original standard LTV is xx, but the tape shows xx. | Initial |
| 60944501 | xx | Full Review | xx | Payment History String | 0000000MM000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 60944501 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per the note document, the property address street is xx. | Initial |
| 96123780 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.831% | 34.456% | 2.375% | 2.37500% | Borrower DTI Ratio Percent data provided is 34.456% but audit value is 36.831%. | Initial |
| 96123780 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value data provided is xx but audit value is not applicable. | Initial |
| 96123780 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.34000% | Original Standard LTV data provided is xx but audit value is xx. | Initial |
| 96123780 | xx | Full Review | xx | Payment History String | 00000000000000 | 00000000000 |  |  | Payment history String data provided is 000000000000 but audit value is 0000000000000000. | Initial |
| 98105933 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.079% | 54.401% | -10.322% | -10.32200% | Asper loan documents updated DTI ratio. | Initial |
| 98105933 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 98105933 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Note date updated asper Original Note document. | Initial |
| 98105933 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.16000% | LTV updated asper loan documents. | Initial |
| 98105933 | xx | Full Review | xx | Payment History String | 000000 | 00 |  |  | N/A | Initial |
| 88917352 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 88917352 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $21273.00 |  |  | Deferred balance amount is not applicable | Initial |
| 88917352 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -712 (Days) |  | Doc date of last modification is xx | Initial |
| 88917352 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -10.42700% | Original standard LTV is xx. | Initial |
| 88917352 | xx | Full Review | xx | Original Stated Rate | 5.87500% | 2.00000% | 3.87500% | 3.87500% | Original stated rate is 5.87500% | Initial |
| 88917352 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 93142424 | xx | Full Review | xx | Borrower DTI Ratio Percent | 39.203% | 38.847% | 0.356% | 0.35600% | Tape shows DTI Ratio Percent 38.847% but as per the audit value it should be 39.203%. | Initial |
| 93142424 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 93142424 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 7.00200% | Tape shows xx but as per the loan document it should be xx. | Initial |
| 55339345 | xx | Full Review | xx | Borrower DTI Ratio Percent | 32.756% | 30.990% | 1.766% | 1.76600% | Tape shows DTI Ratio percent Data provided 30.990% and Audit value 32.756%. | Initial |
| 55339345 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows Current value Data provided xx and Audit value Not applicable. | Initial |
| 55339345 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.55000% | Tape shows Original standard LTV(OLTV) Data provided xx and Audit value xx. | Initial |
| 55339345 | xx | Full Review | xx | Payment History String | 000000000000 | 000000000 |  |  |  | Initial |
| 7441384 | xx | Full Review | xx | Borrower DTI Ratio Percent | 46.103% | 44.849% | 1.254% | 1.25400% | Borrower DTI Ratio Percent is 46.103%. | Initial |
| 7441384 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 7441384 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 13.88300% | Original Standard LTV (OLTV) is xx. | Initial |
| 36543890 | xx | Full Review | xx | ARM Index Margin Percent | xx | xx | -284.625% | -284.62500% | ARM index margin is xx%. | Initial |
| 36543890 | xx | Full Review | xx | Borrower DTI Ratio Percent | 39.085% | 42.766% | -3.681% | -3.68100% | BER DTI is 39.085%. | Initial |
| 36543890 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 36543890 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 37.88000% | LTV is xx. | Initial |
| 36543890 | xx | Full Review | xx | Original Stated Rate | 4.25000% | 8.00000% | -3.75000% | -3.75000% | Original stated rate is 4.25%. | Initial |
| 18850564 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.582% | 39.997% | 7.585% | 7.58500% | Tape shows DTI as 39.997%. 1008 shows 47.582%. | Initial |
| 18850564 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 18850564 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 47.11000% | Tape shows LTV as xx. 1008 shows xx. | Initial |
| 18850564 | xx | Full Review | xx | Payment History String | 00000000000M000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 92924970 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 92924970 | xx | Full Review | xx | Deferred Balance Amount | $84972.19 | $84972.00 | $0.19 | 0.00022% | Deferred balance amount is $84,972.19. | Initial |
| 92924970 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | 3653 (Days) |  | Doc date of last modification is xx. | Initial |
| 92924970 | xx | Full Review | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV is U/A. | Initial |
| 92924970 | xx | Full Review | xx | Original Stated Rate | 6.00000% | 4.87500% | 1.12500% | 1.12500% | Original stated rate is 6.00000%. | Initial |
| 92924970 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 0000000000000000000000XX |  |  |  | Initial |
| 92924970 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of refinance is change in rate term. | Initial |
| 92924970 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD-1 is refinance. | Initial |
| 34983504 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 34983504 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 49.30000% | Original standard LTV is xx. | Initial |
| 34983504 | xx | Full Review | xx | Original Stated Rate | 6.25000% | 3.00000% | 3.25000% | 3.25000% | Original stated rate 6.25000%. | Initial |
| 29108645 | xx | Full Review | xx | Borrower DTI Ratio Percent | 34.576% | 34.727% | -0.151% | -0.15100% | Borrower DTI Ratio Percent is 34.576% | Initial |
| 29108645 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 29108645 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 33.68500% | Original Standard LTV (CLTV) is xx | Initial |
| 30942786 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Updated as per document. | Initial |
| 30942786 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.717% | 46.916% | -4.199% | -4.19900% | Tape shows borrower DTI ratio 46.916% but audit value given as 42.717%. | Initial |
| 30942786 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Updated as per document. | Initial |
| 30942786 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 30942786 | xx | Full Review | xx | First Payment Date | xx | xx | 365 (Days) |  | Tape shows First payment date is xx but audit value is given as xx. | Initial |
| 30942786 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.47500% | Tape shows Original Standard LTV is xx but audit value is given as xx | Initial |
| 30942786 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Not Applicable | Change in Rate/Term |  |  | NA. | Initial |
| 30942786 | xx | Full Review | xx | Purpose Per Application | Construction/Perm | Refinance |  |  | Updated as per document. | Initial |
| 57370727 | xx | Full Review | xx | ARM Index Margin Percent | xx | xx | -445.500% | -445.50000% | Tape shows ARM Index Margin Percent xx%, but as per the document, it should be xx%. | Initial |
| 57370727 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 57370727 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.13000% | Tape shows Original Standard LTV xx, but as per the document, it should be xx. | Initial |
| 57370727 | xx | Full Review | xx | Original Stated Rate | 8.25000% | 8.87500% | -0.62500% | -0.62500% | Tape shows Original Stated Rate 8.87500%, but as per the document, it should be 8.25000%. | Initial |
| 57370727 | xx | Full Review | xx | Payment History String | 000000000000000000000 | 000000000000000000 |  |  |  | Initial |
| 57370727 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Tape shows Property Address Street xx, but as per the document, it should be xx. | Initial |
| 57370727 | xx | Full Review | xx | Property City | xx | xx |  |  | Tape shows Property City xx, but as per the document, it should be xx. | Initial |
| 20938482 | xx | Full Review | xx | Borrower DTI Ratio Percent | 51.874% | 37.864% | 14.010% | 14.01000% |  | Initial |
| 20938482 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 20938482 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.53000% | As per DU LTV Updated. | Initial |
| 20938482 | xx | Full Review | xx | Payment History String | 000000000000 | 00000000 |  |  |  | Initial |
| 20938482 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 82506197 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.935% | 84.391% | -34.456% | -34.45600% | The loan has a qualified mortgage DTI of 49.94%, as the borrowers income is $19,498.19 and total expenses are in the amount of $9,498.19. | Initial |
| 82506197 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 82506197 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.12000% | LTV is xx. | Initial |
| 82506197 | xx | Full Review | xx | Payment History String | 00000 | 00 |  |  |  | Initial |
| 43569883 | xx | Full Review | xx | Property City | xx | xx |  |  | Tape shows Property City xx. Note shows xx. | Initial |
| 43569883 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Limited Cash Out. | Initial |
| 64478869 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.199% | 48.201% | -0.002% | -0.00200% | Borrower DTI ratio percent is 48.199%. | Initial |
| 64478869 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 64478869 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.54000% | Original standard LTV is xx. | Initial |
| 64478869 | xx | Full Review | xx | Payment History String | 000000000000 | 000000000 |  |  |  | Initial |
| 96947215 | xx | Full Review | xx | Borrower DTI Ratio Percent | 30.680% | 30.736% | -0.056% | -0.05600% | Borrower DTI ratio percent 30.680%. | Initial |
| 96947215 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 96947215 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.71000% | Original standard LTV is xx. | Initial |
| 96947215 | xx | Full Review | xx | Payment History String | 00000000000000 | 00000000000 |  |  |  | Initial |
| 33324399 | xx | Full Review | xx | ARM Index Margin Percent | xx | xx | -445.500% | -445.50000% | As per document updated | Initial |
| 33324399 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 33324399 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.04000% | Tape shows Original Standard LTV is xx but audit value is given as xx. | Initial |
| 33324399 | xx | Full Review | xx | Original Stated Rate | 8.50000% | 9.12500% | -0.62500% | -0.62500% | Updated as per document. | Initial |
| 33324399 | xx | Full Review | xx | Payment History String | 0000000000000000000000 | 0000000000000000000 |  |  | NA. | Initial |
| 66771078 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.491% | 44.294% | 0.197% | 0.19700% | BWR DTI ratio is 44.491%. | Initial |
| 66771078 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 66771078 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -2.48100% | LTV is xx. | Initial |
| 66771078 | xx | Full Review | xx | Payment History String | 000000100000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 66771078 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Not Applicable | Change in Rate/Term |  |  |  | Initial |
| 66771078 | xx | Full Review | xx | Purpose Per Application | Construction/Perm | Refinance |  |  | Purpose per application is construction/permanent. | Initial |
| 15117448 | xx | Full Review | xx | Borrower DTI Ratio Percent | 35.788% | 30.898% | 4.890% | 4.89000% | Tape shows DTI as 30.898%.LPA shows 35.788% | Initial |
| 15117448 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 15117448 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  |  | Initial |
| 15117448 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  |  | Initial |
| 15117448 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 12.43000% | Tape shows LTV as xx.LPA shows xx | Initial |
| 15117448 | xx | Full Review | xx | Payment History String | 000001000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 15117448 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  |  | Initial |
| 15117448 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  |  | Initial |
| 2841102 | xx | Full Review | xx | ARM Index Type | Unavailable | Treasury - One Year |  |  |  | Initial |
| 2841102 | xx | Full Review | xx | Borrower DTI Ratio Percent | 30.969% | 26.869% | 4.100% | 4.10000% |  | Initial |
| 2841102 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 2841102 | xx | Full Review | xx | First Payment Date | xx | xx | 365 (Days) |  |  | Initial |
| 2841102 | xx | Full Review | xx | Loan Amortization Type | Unavailable | ARM |  |  | Loan amortization type is ARM. | Initial |
| 2841102 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 2.83063% | As per loan documents. | Initial |
| 2841102 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | As per loan document. | Initial |
| 2841102 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 12.22400% | As per loan document. | Initial |
| 2841102 | xx | Full Review | xx | Original Stated Rate | 4.25000% | 8.00000% | -3.75000% | -3.75000% | As per loan documents. | Initial |
| 2841102 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per loan document. | Initial |
| 2841102 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Not Applicable | Change in Rate/Term |  |  | NA | Initial |
| 2841102 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 62 (Days) |  | Stated maturity date is xx. | Initial |
| 96471325 | xx | Full Review | xx | Borrower DTI Ratio Percent | 33.242% | 34.440% | -1.198% | -1.19800% | BWR DTI is 33.242%. | Initial |
| 96471325 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 96471325 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Unavailable. | Initial |
| 96471325 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Unavailable. | Initial |
| 96471325 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 3.93900% | Original LTV is xx. | Initial |
| 96471325 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance is limited cash out. | Initial |
| 96471325 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Unavailable. | Initial |
| 88685070 | xx | Full Review | xx | Borrower DTI Ratio Percent | 34.201% | 50.508% | -16.307% | -16.30700% | BWR DTI 34.201% | Initial |
| 88685070 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | current value N.A | Initial |
| 88685070 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 12.33000% | LTV xx. | Initial |
| 88685070 | xx | Full Review | xx | Payment History String | 000000000000000000010000 | 000000000000000010000000 |  |  |  | Initial |
| 3138367 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.185% | 48.585% | -0.400% | -0.40000% | Tape shows 48.585% but as per the loan document it should be 48.185%. | Initial |
| 3138367 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 3138367 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.41000% | Collateral value used for underwriting: xx. Amount of secondary lien(s): $0.00. Loan amount: xx LTV / CLTV = xx. | Initial |
| 3138367 | xx | Full Review | xx | Payment History String | 000MMM000 | 000000 |  |  |  | Initial |
| 97094098 | xx | Full Review | xx | ARM Index Type | Unavailable | Prime - WSJ |  |  | ARM index type is unavailable. | Initial |
| 97094098 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 97094098 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $36285.00 |  |  | Deferred balance amount is unavailable. | Initial |
| 97094098 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Doc date of last modification is unavailable. | Initial |
| 97094098 | xx | Full Review | xx | Loan Amortization Type | Unavailable | ARM |  |  | Loan amortization is unavailable. | Initial |
| 97094098 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00021% | Original balance (or Line Amount) is xx. | Initial |
| 97094098 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 56.58800% | Original standard LTV (OLTV) is xx. | Initial |
| 97094098 | xx | Full Review | xx | Original Stated Rate | 7.13000% | 7.62500% | -0.49500% | -0.49500% | Original stated rate is 7.13000%. | Initial |
| 97094098 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Home improvement |  |  | Purpose of refinance per HUD-1 is cash out-other. | Initial |
| 97094098 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction per HUD-1 is cash out. | Initial |
| 97094098 | xx | Full Review | xx | Rate Adjustment Initial Cap Percent | 3.000% | 1.000% | 2.000% | 2.00000% | Rate adjustment initial cap percent is 3.000%. | Initial |
| 97094098 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated maturity date is unavailable. | Initial |
| 53475663 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.709% | 43.530% | -0.821% | -0.82100% | As per the document borrower DTI ratio percent is 42.709% but tape shows as 43.530%. | Initial |
| 53475663 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | As per the document current value is not applicable but tape shows as xx. | Initial |
| 53475663 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 24.88900% | As per the document original standard LTV is xx but tape shows as xx. | Initial |
| 71513519 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.367% | 39.977% | 9.390% | 9.39000% | Tape shows DTI Ratio percent Data provided 39.977% and Audit value 49.367%. | Initial |
| 71513519 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows Current value Data provided xx and Audit value Not applicable. | Initial |
| 71513519 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.50000% | Tape shows Original standard LTV Data provided xx and Audit value xx. | Initial |
| 71513519 | xx | Full Review | xx | Payment History String | 0000000000 | 00000000 |  |  |  | Initial |
| 85717515 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 85717515 | xx | Full Review | xx | Deferred Balance Amount | $40449.43 | $40449.00 | $0.43 | 0.00106% | Deferred balance amount is N/A. | Initial |
| 85717515 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 32.37300% | Original standard LTV is xx. | Initial |
| 85717515 | xx | Full Review | xx | Original Stated Rate | 5.50000% | 3.00000% | 2.50000% | 2.50000% | Original stated rate is 5.50000%. | Initial |
| 50563811 | xx | Full Review | xx | ARM Index Type | Unavailable | Treasury - One Year |  |  | ARM index type is UA | Initial |
| 50563811 | xx | Full Review | xx | Borrower DTI Ratio Percent | 38.489% | 26.619% | 11.870% | 11.87000% | Borrower DTI is 38.489%. | Initial |
| 50563811 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value NA | Initial |
| 50563811 | xx | Full Review | xx | First Payment Date | xx | xx | 365 (Days) |  | First payment date is xx | Initial |
| 50563811 | xx | Full Review | xx | Loan Amortization Type | Unavailable | ARM |  |  |  | Initial |
| 50563811 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00328% | Original balance is xx | Initial |
| 50563811 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 47.21500% | LTV is xx. | Initial |
| 50563811 | xx | Full Review | xx | Original Stated Rate | 3.99000% | 7.37500% | -3.38500% | -3.38500% | Stated rate is 3.99% | Initial |
| 50563811 | xx | Full Review | xx | Property City | xx | xx |  |  | Property city is xx | Initial |
| 50563811 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Not Applicable | Change in Rate/Term |  |  | Purpose of Refinance per HUD-1 is NA | Initial |
| 50563811 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated maturity date is UA | Initial |
| 18707034 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 18707034 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 31.52300% | Tape shows xx, but as per the document, it should be xx. | Initial |
| 12947718 | xx | Full Review | xx | Current Value | xx | xx | $-69900.00 | -14.26821% | As per the document, the current value is xx, but the tape shows xx. | Initial |
| 12947718 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | As per the document, the original note date is xx, but the tape shows xx. | Initial |
| 12947718 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 15.30000% | As per the document, the original standard LTV is xx, but the tape shows xx. | Initial |
| 36317596 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower first name is as xx. | Initial |
| 36317596 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 36317596 | xx | Full Review | xx | Loan Amortization Type | Step | Fixed |  |  | Loan amortization is step. | Initial |
| 36317596 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 14.65200% | Original standard LTV (OLTV) is xx. | Initial |
| 36317596 | xx | Full Review | xx | Original Stated Rate | 5.87500% | 3.50000% | 2.37500% | 2.37500% | Original stated rate is 5.87500%. | Initial |
| 36317596 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 71727756 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 71727756 | xx | Full Review | xx | Deferred Balance Amount | $94782.05 | $94782.00 | $0.05 | 0.00005% | As per loan document. | Initial |
| 71727756 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -43 (Days) |  | As per loan document. | Initial |
| 71727756 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 26.55000% | As per loan document. | Initial |
| 71727756 | xx | Full Review | xx | Original Stated Rate | 6.12500% | 3.50000% | 2.62500% | 2.62500% | As per loan document. | Initial |
| 71727756 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | As per loan document. | Initial |
| 41894805 | xx | Full Review | xx | ARM Index Type | Unavailable | Prime - WSJ |  |  | NA. | Initial |
| 41894805 | xx | Full Review | xx | Borrower #2 Last Name | xx | xx |  |  | As per loan document. | Initial |
| 41894805 | xx | Full Review | xx | Current Legal Status | Collections | Performing |  |  |  | Initial |
| 41894805 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 41894805 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $18783.00 |  |  | NA. | Initial |
| 41894805 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  | NA. | Initial |
| 41894805 | xx | Full Review | xx | Loan Amortization Type | Unavailable | ARM |  |  | NA. | Initial |
| 41894805 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00021% | As per loan document. | Initial |
| 41894805 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 44.49100% | As per loan document. | Initial |
| 41894805 | xx | Full Review | xx | Original Stated Rate | 7.25000% | 7.50000% | -0.25000% | -0.25000% | As per loan document. | Initial |
| 41894805 | xx | Full Review | xx | Payment History String | 110100000000000000000000 | 000000000000000000000000 |  |  | NA. | Initial |
| 41894805 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per loan document. | Initial |
| 41894805 | xx | Full Review | xx | Rate Adjustment Initial Cap Percent | 3.000% | 1.000% | 2.000% | 2.00000% | As per loan document. | Initial |
| 41894805 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | NA. | Initial |
| 14341499 | xx | Full Review | xx | Borrower DTI Ratio Percent | 35.794% | 35.801% | -0.007% | -0.00700% | As per loan document. | Initial |
| 14341499 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | As per the document current value is not applicable. | Initial |
| 14341499 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 0.10810% |  | Initial |
| 14341499 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 14.05900% | As per loan document. | Initial |
| 14341499 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per loan document. | Initial |
| 14341499 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | As per loan document. | Initial |
| 14341499 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | As per loan document. | Initial |
| 31600002 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows Current value Data provided xx and Audit value Not applicable. | Initial |
| 31600002 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 10.22000% | Tape shows Original Standard LTV Data provided xx and Audit value xx. | Initial |
| 31600002 | xx | Full Review | xx | Payment History String | 000000000000000000000 | 000000000000000000 |  |  |  | Initial |
| 31600002 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Tape shows Subject property type Data provided Single family and Audit value PUD. | Initial |
| 55578074 | xx | Full Review | xx | Borrower DTI Ratio Percent | 39.510% | 39.517% | -0.007% | -0.00700% | Tape shows arm Borrower DTI Ratio Percent is 39.517% but audit value is given as 39.510%. | Initial |
| 55578074 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 55578074 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 9.92400% | Tape shows Original Standard LTV is xx but audit value is given a. xx. | Initial |
| 55578074 | xx | Full Review | xx | Payment History String | 000000100000100000000000 | 000010000010000000000000 |  |  |  | Initial |
| 55578074 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Updated as per document. | Initial |
| 17295318 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 17295318 | xx | Full Review | xx | Deferred Balance Amount | $35486.99 | $35487.00 | $-0.01 | -0.00002% | Deferred Balance Amount is $35,486.99. | Initial |
| 17295318 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -214 (Days) |  | Doc Date of Last Modification is xx. | Initial |
| 17295318 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 3.77100% | Original Standard LTV (OLTV) is xx. | Initial |
| 17295318 | xx | Full Review | xx | Original Stated Rate | 5.25000% | 3.00000% | 2.25000% | 2.25000% | Original Stated Rate is 5.25000%. | Initial |
| 20936028 | xx | Full Review | xx | Borrower DTI Ratio Percent | 23.364% | 42.650% | -19.286% | -19.28600% | Borrower DTI ratio calculated asper loan documents. | Initial |
| 20936028 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 20936028 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 6.52000% | LTV/OLTV shows tape data. | Initial |
| 20936028 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address updated asper note document. | Initial |
| 60367351 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.553% | 36.152% | 12.401% | 12.40100% | Tape shows 36.152%, but as per the loan documents it should be 48.553%. | Initial |
| 60367351 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 60367351 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 38.61900% | Tape shows LTV is xx but as per the loan documents it should be xx. | Initial |
| 97239580 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 97239580 | xx | Full Review | xx | Deferred Balance Amount | $26505.65 | $47229.00 | $-20723.35 | -43.87844% | Deferred balance amount is $26,505.65. | Initial |
| 97239580 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -1289 (Days) |  | Doc date of last modification is xx. | Initial |
| 97239580 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 36.29000% | Original standard LTV is xx. | Initial |
| 97239580 | xx | Full Review | xx | Original Stated Rate | 6.62500% | 3.87500% | 2.75000% | 2.75000% | Original stated rate is 6.62500%. | Initial |
| 97239580 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | No Cash-Out | Cash Out - Other |  |  | purpose of refinance is no cash out. | Initial |
| 97239580 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | purpose of transaction per HUD-1 is refinance. | Initial |
| 35673386 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is xx | Initial |
| 35673386 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | As per note document Loan Amortization type is fixed | Initial |
| 35673386 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 12.18700% | Original standard LTV is xx. | Initial |
| 35673386 | xx | Full Review | xx | Original Stated Rate | 6.50000% | 2.00000% | 4.50000% | 4.50000% | As per note document original stated rate is 6.50% | Initial |
| 35673386 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | As per note document Stated maturity date is xx | Initial |
| 72456269 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.750% | 54.158% | -9.408% | -9.40800% | As per 1008 DTI is 44.750%. | Initial |
| 72456269 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 72456269 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 21.99000% | As per 1008 LTV is xx. | Initial |
| 2204392 | xx | Full Review | xx | Current Value | xx | xx | $-55000.00 | -18.03278% | As per the document, the current value is xx, but the tape shows xx. | Initial |
| 2204392 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 13.70000% | As per the document, the original standard LTV is xx, but the tape shows xx. | Initial |
| 2204392 | xx | Full Review | xx | Payment History String | 001110000000000000000000 | 110000000000000000000000 |  |  |  | Initial |
| 2204392 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |
| 76353748 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| 76353748 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 76353748 | xx | Full Review | xx | Deferred Balance Amount | $33800.00 | $4604.00 | $29196.00 | 634.14422% | Deferred balance amount is $33,800.00 | Initial |
| 76353748 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -2557 (Days) |  | Doc Date of Last Modification is xx. | Initial |
| 76353748 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 46.34000% | Original stated LTV is xx | Initial |
| 76353748 | xx | Full Review | xx | Original Stated Rate | 6.00000% | 4.62500% | 1.37500% | 1.37500% | Original stated rate is 6.000% | Initial |
| 76353748 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 79395966 | xx | Full Review | xx | Borrower DTI Ratio Percent | 32.423% | 51.163% | -18.740% | -18.74000% | Borrower DTI Ratio Percent is 32.423%. | Initial |
| 79395966 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 79395966 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 15.26600% | Original Standard LTV (OLTV) is xx. | Initial |
| 79395966 | xx | Full Review | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | Subject Property Type is High Rise Condo(>=9 Stories). | Initial |
| 85759334 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 85759334 | xx | Full Review | xx | Deferred Balance Amount | $10074.27 | $10832.00 | $-757.73 | -6.99529% | Deferred balance amount is $10,074.27. | Initial |
| 85759334 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -38 (Days) |  | Doc date of last modification is xx. | Initial |
| 85759334 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 48.66800% | original standard LTV is unavailable. | Initial |
| 85759334 | xx | Full Review | xx | Original Stated Rate | 6.54000% | 4.00000% | 2.54000% | 2.54000% | Original stated rate is 6.54000%. | Initial |
| 85759334 | xx | Full Review | xx | Payment History String | 000000000000000043332321 | 000000000000003332321000 |  |  | payment history string is 000000000000000044444333. | Initial |
| 72279047 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.027% | 44.028% | -0.001% | -0.00100% | Calculated DTI is 44.027% | Initial |
| 72279047 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 72279047 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 71.26300% | Original LTV is xx | Initial |
| 91425417 | xx | Full Review | xx | ARM Index Margin Percent | xx | xx | -284.625% | -284.62500% | Arm index value xx% as per note document. | Initial |
| 91425417 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.043% | 38.452% | -2.409% | -2.40900% | Tape shows arm Borrower DTI Ratio Percent is 38.452% but audit value is given as 36.043%. | Initial |
| 91425417 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower name is updated as per Documents. | Initial |
| 91425417 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 91425417 | xx | Full Review | xx | First Payment Date | xx | xx | 365 (Days) |  | Tape shows First payment date is xx but audit value is given as xx. | Initial |
| 91425417 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Updated as per Note xx. | Initial |
| 91425417 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 9.96700% | Tape shows Original Standard LTV is xx but audit value is given as xx. | Initial |
| 91425417 | xx | Full Review | xx | Original Stated Rate | 4.75000% | 7.87500% | -3.12500% | -3.12500% | Tape shows original stated rate 7.875% but audit value id given as 4.7500%. | Initial |
| 91425417 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Not Applicable | Change in Rate/Term |  |  | NA | Initial |
| 91425417 | xx | Full Review | xx | Purpose Per Application | Construction/Perm | Refinance |  |  | Tape shows refinance but as per document it is construction-permanent. | Initial |
| 16171239 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.317% | 52.861% | -16.544% | -16.54400% | Tape shows DTI as 52.861%.1008 shows 36.31%. | Initial |
| 16171239 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 16171239 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -7 (Days) |  | Tape shows Original Note date as xx. Actual Note doc date is xx. | Initial |
| 16171239 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 24.40000% | Tape shows LTV as xx.1008 shows xx. | Initial |
| 16171239 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 00000000000000000000000X |  |  |  | Initial |
| 17546819 | xx | Full Review | xx | Borrower DTI Ratio Percent | 30.257% | 35.634% | -5.377% | -5.37700% | Borrower DTI Ratio Percent is 30.357% | Initial |
| 17546819 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 17546819 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 14.00000% | Original standard LTV is xx. | Initial |
| 17546819 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of Refinance Per HUD-1 is Limited Cash Out | Initial |
| 17546819 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -31 (Days) |  | Stated Maturity Date is xx | Initial |
| 5363453 | xx | Full Review | xx | Borrower DTI Ratio Percent | 45.929% | 47.817% | -1.888% | -1.88800% | Tape shows borrower DTI ratio percent 47.817%, but the audit value should be 45.929%. | Initial |
| 5363453 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows current value xx, but the audit value should be not applicable. | Initial |
| 5363453 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 26.75000% | Tape shows original standard LTV(CLTV) xx, but the audit value should be xx. | Initial |
| 5363453 | xx | Full Review | xx | Original Stated Rate | 5.25000% | 3.00000% | 2.25000% | 2.25000% |  | Initial |
| 5363453 | xx | Full Review | xx | Payment History String | 010000000000002100444444 | 000000000000000099999999 |  |  |  | Initial |
| 21123716 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.457% | 48.212% | 0.245% | 0.24500% | Tape shows 48.212% but as per the document it should be 48.457%. | Initial |
| 21123716 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 21123716 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $1094.00 |  |  |  | Initial |
| 21123716 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  |  | Initial |
| 21123716 | xx | Full Review | xx | Loan Amortization Type | Not Applicable | Fixed |  |  | Tape shows Fixed. As per the document, it should be Fixed. | Initial |
| 21123716 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 34.14000% | Tape shows xx but as per the document it should be xx. | Initial |
| 21123716 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 000004000000000000000000 |  |  |  | Initial |
| 21123716 | xx | Full Review | xx | Stated Maturity Date | Not Applicable | xx |  |  | Tape shows xx but as per the document it should be xx. | Initial |
| 15583430 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 15583430 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Doc date of last modification is unavailable | Initial |
| 15583430 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 47.85200% | Original standard LTV is xx. | Initial |
| 15583430 | xx | Full Review | xx | Original Stated Rate | 6.37500% | 2.87500% | 3.50000% | 3.50000% | Original stated rate is 6.37500% | Initial |
| 15583430 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 15583430 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance per HUD-1 is limited cash out | Initial |
| 15583430 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 45600212 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.513% | 59.391% | -9.878% | -9.87800% | Borrower DTI Percent is 49.513% | Initial |
| 45600212 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 45600212 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -24.28000% | Original Standard LTV(OLTV) is xx | Initial |
| 19295155 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #1 Middle Name is xx. | Initial |
| 19295155 | xx | Full Review | xx | Borrower DTI Ratio Percent | 32.726% | 32.723% | 0.003% | 0.00300% | Borrower DTI Ratio Percent is 32.726%. | Initial |
| 19295155 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 19295155 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 20.44000% | Original Standard LTV (OLTV) is xx. | Initial |
| 19295155 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 0000000000000000000000 |  |  | Payment History String is 000000000000000000000000 | Initial |
| 6705153 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 6705153 | xx | Full Review | xx | Deferred Balance Amount | $11640.07 | $11640.00 | $0.07 | 0.00060% |  | Initial |
| 6705153 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -30 (Days) |  | Doc Date of last modification is Not Applicable | Initial |
| 6705153 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 28.03000% | Original Standard LTV(OLTV) is xx | Initial |
| 6705153 | xx | Full Review | xx | Original Stated Rate | 4.37500% | 3.00000% | 1.37500% | 1.37500% | Original Stated Rate is 4.37500% | Initial |
| 6705153 | xx | Full Review | xx | Payment History String | 000000000100000000000000 | 000000100000000000000000 |  |  | Payment history String is Not Applicable | Initial |
| 2281418 | xx | Full Review | xx | Borrower DTI Ratio Percent | 67.309% | 67.310% | -0.001% | -0.00100% | Borrower DTI Ratio is Unavailable. | Initial |
| 2281418 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 2281418 | xx | Full Review | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| 2281418 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Loan Amortization Type Unavailable | Initial |
| 2281418 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 17.20800% | Original Standard LTV is Not Applicable. | Initial |
| 2281418 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street xx | Initial |
| 2281418 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated Maturity Date is Unavailable | Initial |
| 91095835 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.938% | 43.924% | 0.014% | 0.01400% | Tape shows Borrower DTI Ratio Percent is 43.924% but audit value is given as 43.938%. | Initial |
| 91095835 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Updated as per document. | Initial |
| 91095835 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 91095835 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 12.44700% | Tape shows Original Standard LTV is xx but audit value is given as xx. | Initial |
| 91095835 | xx | Full Review | xx | Payment History String | 000000000000000000MMMM00 | 000000000000000000000000 |  |  | 0. | Initial |
| 66008438 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 66008438 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -21 (Days) |  |  | Initial |
| 66008438 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 53.74200% | Original LTV xx. | Initial |
| 66008438 | xx | Full Review | xx | Original Stated Rate | 6.37500% | 3.00000% | 3.37500% | 3.37500% | Original stated rate is 6.375%. | Initial |
| 22182269 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 22182269 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  |  | Initial |
| 22182269 | xx | Full Review | xx | Loan Amortization Type | Not Applicable | Fixed |  |  |  | Initial |
| 22182269 | xx | Full Review | xx | Original Standard LTV (OLTV) | Not Applicable | xx |  |  | Appraisal document is missing. | Initial |
| 22182269 | xx | Full Review | xx | Original Stated Rate | 7.50000% | 3.00000% | 4.50000% | 4.50000% | As per note document interest is 7.5%. | Initial |
| 22182269 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 000003000000000000000000 |  |  |  | Initial |
| 22182269 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 22182269 | xx | Full Review | xx | Purpose Per Application | Not Applicable | Refinance |  |  |  | Initial |
| 22182269 | xx | Full Review | xx | Stated Maturity Date | Not Applicable | xx |  |  | As per note document Maturity date is xx. | Initial |
| 75937575 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 75937575 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -31 (Days) |  | As per document. | Initial |
| 75937575 | xx | Full Review | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | NA. | Initial |
| 75937575 | xx | Full Review | xx | Original Stated Rate | 7.45800% | 4.00000% | 3.45800% | 3.45800% | As per note. | Initial |
| 75937575 | xx | Full Review | xx | Payment History String | 000000112321100000000000 | 0000112221100000000000XX |  |  | NA. | Initial |
| 66990287 | xx | Full Review | xx | ARM Index Margin Percent | xx | xx | -396.000% | -396.00000% | ARM index margin is xx% | Initial |
| 66990287 | xx | Full Review | xx | ARM Index Type | LIBOR - One Year WSJ | Secured Overnight Financing Rate (SOFR) |  |  | ARM index type is LIBOR 1 year WSJ | Initial |
| 66990287 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value NA | Initial |
| 66990287 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $60500.00 |  |  |  | Initial |
| 66990287 | xx | Full Review | xx | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 66990287 | xx | Full Review | xx | Doc Date of Last Modification | Not Applicable | xx |  |  |  | Initial |
| 66990287 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 17.23500% | Standard LTV is xx | Initial |
| 66990287 | xx | Full Review | xx | Original Stated Rate | 5.50000% | 7.50000% | -2.00000% | -2.00000% | Stated rate 5.5% | Initial |
| 93641432 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 93641432 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $23728.00 |  |  | Deferred balance amount is not appicable. | Initial |
| 93641432 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 56.49600% | Original Standard LTV (OLTV) is xx. | Initial |
| 93641432 | xx | Full Review | xx | Original Stated Rate | 5.00000% | 2.87500% | 2.12500% | 2.12500% | Original stated rate is 5.00000%. | Initial |
| 93641432 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance per HUD-1 is limited cash out(GSE definition) | Initial |
| 33600191 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 33600191 | xx | Full Review | xx | Deferred Balance Amount | $5490.87 | $5491.00 | $-0.13 | -0.00236% | Deferred balance amount is U/A. | Initial |
| 33600191 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 22.21000% | Original standard LTV is xx. | Initial |
| 33600191 | xx | Full Review | xx | Original Stated Rate | 7.50000% | 3.12500% | 4.37500% | 4.37500% | Original stated rate is 7.5000%. | Initial |
| 55012143 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 55012143 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 37.26300% | LTV at xx. | Initial |
| 55012143 | xx | Full Review | xx | Payment History String | 000001000000000000000000 | 000000000000000000000000 |  |  | updated as per ph | Initial |
| 55012143 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per the documents. | Initial |
| 55012143 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | As per the documents. | Initial |
| 38158658 | xx | Full Review | xx | ARM Index Type | Unavailable | Prime - WSJ |  |  | Tape shows Prime - WSJ but audit value shows Unavailable. | Initial |
| 38158658 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 38158658 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $8921.00 |  |  |  | Initial |
| 38158658 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  |  | Initial |
| 38158658 | xx | Full Review | xx | Loan Amortization Type | Unavailable | ARM |  |  |  | Initial |
| 38158658 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | -3.84493% | Tape shows original balance xx, but as per document, it should be xx. | Initial |
| 38158658 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 42.88000% | Tape shows xx, but as per the audit value, it should be xx. | Initial |
| 38158658 | xx | Full Review | xx | Original Stated Rate | 9.63000% | 10.50000% | -0.87000% | -0.87000% | Tape shows 10.50000%, but as per audit value, it should be 9.63000%. | Initial |
| 38158658 | xx | Full Review | xx | Payment History String | 111103211110111111111111 | 002100000000000000000000 |  |  |  | Initial |
| 38158658 | xx | Full Review | xx | Rate Adjustment Initial Cap Percent | 0.000% | 1.000% | -1.000% | -1.00000% | Tape shows 1.000% but as per the loan documents it should be -6.630%. | Initial |
| 38158658 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  |  | Initial |
| 14679119 | xx | Full Review | xx | Borrower DTI Ratio Percent | 22.150% | 22.106% | 0.044% | 0.04400% | Borrower DTI ratio value updated asper loan documents. | Initial |
| 14679119 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 14679119 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 17.02000% | Original stated LTV/OLTV asper loan documents provide value updated. | Initial |
| 14679119 | xx | Full Review | xx | Payment History String | 000010000000000000000000 | 010000000000000000000000 |  |  | N/A | Initial |
| 14679119 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address updated asper note document. | Initial |
| 27248531 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.863% | 52.292% | -8.429% | -8.42900% | As per Calculations Borrower DTI Ration Percent is 43.863% | Initial |
| 27248531 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | As per appraisal document current value is xx. | Initial |
| 27248531 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 34.42000% | As per appraisal document original standard LTV is xx | Initial |
| 3600870 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | Tape shows Borrower #1 Middle Name Data provided xx and Audit value xx. | Initial |
| 3600870 | xx | Full Review | xx | Borrower DTI Ratio Percent | 20.474% | 20.449% | 0.025% | 0.02500% | Tape shows Borrower DTI ratio percent Data provided 20.449% and Audit value 20.474%. | Initial |
| 3600870 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Tape shows Borrower Last name Data provided xx and Audit value xx. | Initial |
| 3600870 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows Current value Data provided xx and Audit value Not applicable. | Initial |
| 3600870 | xx | Full Review | xx | Loan Amortization Type | ARM | Fixed |  |  | Tape shows Loan amortization type Data provided Fixed and Audit value ARM. | Initial |
| 3600870 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 5.11400% | Tape shows Original standard LTV (OLTV) Data provided xx and Audit value xx. | Initial |
| 3600870 | xx | Full Review | xx | Payment History String | 00000021010000000000 | 00021010000000000 |  |  |  | Initial |
| 3600870 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Tape shows Property address street Data provided xx and Audit value xx. | Initial |
| 31519475 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.475% | 36.476% | -0.001% | -0.00100% |  | Initial |
| 31519475 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower name is xx. | Initial |
| 31519475 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 31519475 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 21.78800% |  | Initial |
| 30034381 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 38.54000% |  | Initial |
| 64907885 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 64907885 | xx | Full Review | xx | Deferred Balance Amount | $17187.06 | $17187.00 | $0.06 | 0.00034% |  | Initial |
| 64907885 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | 2221 (Days) |  |  | Initial |
| 64907885 | xx | Full Review | xx | First Payment Date | xx | xx | 5 (Days) |  | First payment date is xx. | Initial |
| 64907885 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 18.53200% | Original standard LTV is xx. | Initial |
| 64907885 | xx | Full Review | xx | Original Stated Rate | 7.60000% | 3.37500% | 4.22500% | 4.22500% | Stated rate is 7.600%. | Initial |
| 77581508 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 77581508 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $1201.00 |  |  | Deferred balance amount is unavailable. | Initial |
| 77581508 | xx | Full Review | xx | Did a Modification Change Note Terms? | No | Yes |  |  | Did a modification change note terms is unavailable. | Initial |
| 77581508 | xx | Full Review | xx | Doc Date of Last Modification | Not Applicable | xx |  |  | Doc date of last modification is unavailable. | Initial |
| 77581508 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 52.91100% | Original standard LTV is xx. | Initial |
| 77581508 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 73718584 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.835% | 51.665% | -1.830% | -1.83000% |  | Initial |
| 73718584 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 73718584 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 2.02000% |  | Initial |
| 73718584 | xx | Full Review | xx | Payment History String | 0000000000MMM000000 | 0000000000000000 |  |  |  | Initial |
| 65349874 | xx | Full Review | xx | Borrower DTI Ratio Percent | 39.854% | 19.469% | 20.385% | 20.38500% | Borrower DTI is 39.854% | Initial |
| 65349874 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 65349874 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 6.20800% | Original standard LTV is xx. | Initial |
| 58965256 | xx | Full Review | xx | Borrower DTI Ratio Percent | 19.046% | 26.850% | -7.804% | -7.80400% | Borrower DTI percent updated asper loan documents. | Initial |
| 58965256 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 58965256 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 31.54000% | Original LTV/OLTV calculated asper loan application provide value updated. | Initial |
| 58965256 | xx | Full Review | xx | Payment History String | 00000000000MMMM000000000 | 000000000000000000000000 |  |  | N/A | Initial |
| 69025683 | xx | Full Review | xx | Borrower DTI Ratio Percent | 39.571% | 44.553% | -4.982% | -4.98200% | Borrower DTI ratio updated asper loan documents. | Initial |
| 69025683 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 69025683 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.67000% | LTV/OLTV updated asper loan documents. | Initial |
| 69025683 | xx | Full Review | xx | Payment History String | 0000000000000 | 0000000000 |  |  | N/A | Initial |
| 6277106 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 6277106 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -1861 (Days) |  |  | Initial |
| 6277106 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -8.40000% |  | Initial |
| 6277106 | xx | Full Review | xx | Original Stated Rate | 1.00000% | 3.00000% | -2.00000% | -2.00000% |  | Initial |
| 6277106 | xx | Full Review | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 80707808 | xx | Full Review | xx | Borrower DTI Ratio Percent | 24.705% | 24.923% | -0.218% | -0.21800% | Borrower DTI ratio percent is 24.705%. Tape shows 24.923%. | Initial |
| 80707808 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  |  | Initial |
| 80707808 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  |  | Initial |
| 80707808 | xx | Full Review | xx | Original Appraised Value | Unavailable | xx |  |  | Original appraised value is Unavailable. Tape shows xx. | Initial |
| 80707808 | xx | Full Review | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV (OLTV) is unavailable. Tape shows xx. | Initial |
| 80707808 | xx | Full Review | xx | Payment History String | 000000000000000000000002 | 000000000000000000002000 |  |  |  | Initial |
| 80707808 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of refinance per HUD-1 is cash out-other. Tape shows change in Rate/Term. | Initial |
| 80707808 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated maturity date is unavailable. Tape shows xx. | Initial |
| 69212071 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 69212071 | xx | PH+SC | xx | Payment History String | 000000000000000000000000 | NNNNNCCCCCCCCCCCCCCCCCCC |  |  |  | Initial |
| 43549143 | xx | PH+SC | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| 43549143 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 43549143 | xx | PH+SC | xx | Payment History String | 000000004444321111213210 | CCC123121111234567CCCCCC |  |  |  | Initial |
| 5080780 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 5080780 | xx | PH+SC | xx | Payment History String | 0000000MM000000000000000 | CCCCCCCCCCCCCCCCCXXCCCCC |  |  |  | Initial |
| 48221426 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  |  | Initial |
| 48221426 | xx | PH+SC | xx | Payment History String | 00000000000M000000000000 | CCCCCCCCCCCCCCCXCCCCCCCC |  |  | 00000000000M000000000000 | Initial |
| 63415662 | xx | PH+SC | xx | Original Note Doc Date | Not Applicable | xx |  |  | NA | Initial |
| 63415662 | xx | PH+SC | xx | Payment History String | 000001000000000000000 | NNNNNCCCCCCCCCCCCCCC1CCC |  |  | 00000100000000MMMMMMM | Initial |
| 18474123 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.557% | 45.860% | 2.697% | 2.69700% |  | Initial |
| 18474123 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 19.131% | 16.434% | 2.697% | 2.69700% |  | Initial |
| 18474123 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 63089864 | xx | Full Review | xx | Borrower DTI Ratio Percent | 29.659% | 29.180% | 0.479% | 0.47900% | DTI ratio percent is 29.659%. | Initial |
| 63089864 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 9153510 | xx | Full Review | xx | Borrower DTI Ratio Percent | 41.435% | 41.430% | 0.005% | 0.00500% | BWR DTI Ratio percent 41.435% | Initial |
| 9153510 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow Account Indicator Yes | Initial |
| 39773827 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.519% | 48.510% | 0.009% | 0.00900% | Borrower DTI Ratio Percent is 48.519%. | Initial |
| 39773827 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator is yes. | Initial |
| 29254067 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 58653767 | xx | Full Review | xx | Borrower DTI Ratio Percent | Unavailable | 20.114% |  |  |  | Initial |
| 53499301 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.776% | 53.336% | -3.560% | -3.56000% | Borrower DTI Ratio Percent is 49.776% | Initial |
| 85749302 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.186% | 46.440% | -3.254% | -3.25400% | As per loan document. | Initial |
| 37413523 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.143% | 44.042% | -1.899% | -1.89900% | DTI ratio percent is 42.143%. | Initial |
| 37413523 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 37413523 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -17 (Days) |  | Appraisal date is xx. | Initial |
| 37413523 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.48700% | LTV ratio percent is xx. | Initial |
| 13273768 | xx | Full Review | xx | Borrower DTI Ratio Percent | 55.315% | 46.550% | 8.765% | 8.76500% | Borrower DTI Ratio Percent is 55.315%. | Initial |
| 39559542 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 2792562 | xx | Full Review | xx | Age of Loan | 35 | 36 | -1 | -2.77777% | Age of Loan is 35 | Initial |
| 2792562 | xx | Full Review | xx | Borrower DTI Ratio Percent | 12.580% | 12.530% | 0.050% | 0.05000% | Borrower DTI Ratio Percent is 12.580% | Initial |
| 2792562 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicbale | Initial |
| 2792562 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -870 (Days) |  | Original Appraisa Date is xx | Initial |
| 2792562 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00400% | Original Standard LTV(OLTV) is xx | Initial |
| 2792562 | xx | Full Review | xx | Payment History String | MMMMMMMMMMMM210444444444 | 0006BBBBBBBBBBBBBBBBBBBB |  |  |  | Initial |
| 2792562 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 39410952 | xx | Full Review | xx | Borrower DTI Ratio Percent | 37.098% | 37.000% | 0.098% | 0.09800% | DTI is 37.098%. | Initial |
| 39410952 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | BWR name is xx. | Initial |
| 39410952 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Last name is xx. | Initial |
| 39410952 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 11.458% | 11.000% | 0.458% | 0.45800% | DTI is 11.458%. | Initial |
| 39410952 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -30 (Days) |  | NA | Initial |
| 28270712 | xx | Full Review | xx | Borrower DTI Ratio Percent | 23.026% | 23.000% | 0.026% | 0.02600% | Borrower DTI ratio percent is 23.026% | Initial |
| 28270712 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx | Initial |
| 28270712 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 28270712 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 10957 (Days) |  | Stated maturity date is xx | Initial |
| 36616793 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2. | Initial |
| 36616793 | xx | Full Review | xx | Borrower DTI Ratio Percent | 55.914% | 57.000% | -1.086% | -1.08600% | As per loan document. | Initial |
| 36616793 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | As per loan document. | Initial |
| 36616793 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 36616793 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 324 | 36 | 11.11111% | As per loan document. | Initial |
| 36616793 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | As per loan document. | Initial |
| 36616793 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 1096 (Days) |  | As per loan document. | Initial |
| 36616793 | xx | Full Review | xx | Stated Remaining Term | 358 | 322 | 36 | 11.18012% | As per loan document. | Initial |
| 50946257 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.201% | 60.000% | -10.799% | -10.79900% | BWR DTI ratio percent 49.201%. | Initial |
| 50946257 | xx | Full Review | xx | Payment History String | 00000000000 | 0x30 |  |  | Payment history string 000000000000. | Initial |
| 58093354 | xx | Full Review | xx | Age of Loan | 13 | 14 | -1 | -7.14285% | Age of loan is 13. | Initial |
| 58093354 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | current value is not applicable. | Initial |
| 87332234 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 first name is xx. | Initial |
| 87332234 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| 87332234 | xx | Full Review | xx | Payment History String | 000000000 | 0000000 |  |  |  | Initial |
| 3474660 | xx | Full Review | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #2 last name is xx. | Initial |
| 3474660 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.013% | 49.640% | -5.627% | -5.62700% | Borrower DTI ratio percent is 44.013%. | Initial |
| 3474660 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 3474660 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 3474660 | xx | Full Review | xx | First Payment Date | xx | xx | 61 (Days) |  |  | Initial |
| 3474660 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 24.970% | 25.710% | -0.740% | -0.74000% | Housing ratio per U/W is 24.970%. | Initial |
| 3474660 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00100% | Original CLTV ratio percent is xx. | Initial |
| 3474660 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 41 (Days) |  | Original note doc date is xx. | Initial |
| 3474660 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00100% | Original standard LTV is xx. | Initial |
| 3474660 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction per HUD-1 is Cash out. | Initial |
| 3474660 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 59 (Days) |  | Stated maturity date is xx. | Initial |
| 93799404 | xx | Full Review | xx | Borrower DTI Ratio Percent | 56.522% | 56.520% | 0.002% | 0.00200% | Borrower DTI ratio percent is 56.522%. Tape shows borrower DTI ratio percent is 56.520%. | Initial |
| 93799404 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 93799404 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | -1.71958% | Original appraisal value is xx. Tape shows original value is xx. | Initial |
| 93799404 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68800% | Original CLTV ratio percent is xx. Tape shows original CLTV ratio percent is xx. | Initial |
| 93799404 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68800% | Original standard LTV is xx. Tape shows original standard LTV is xx. | Initial |
| 93799404 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. Tape shows Property address street is xx. | Initial |
| 38797513 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.704% | 48.265% | 0.439% | 0.43900% | As per loan document. | Initial |
| 38797513 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 21.408% | 21.215% | 0.193% | 0.19300% | As per loan document. | Initial |
| 38797513 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00200% | Original CLTV ratio percent is xx. | Initial |
| 38797513 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00200% | Original standard LTV is xx | Initial |
| 35973583 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00700% | Original CLTV ratio percent is xx. | Initial |
| 35973583 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00700% | Original Standard LTV ratio is xx. | Initial |
| 26820404 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.056% | 43.050% | 0.006% | 0.00600% | DTI is 43.056%. | Initial |
| 26820404 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 29.776% | 29.770% | 0.006% | 0.00600% | Housing ratio is 29.776%. | Initial |
| 97661630 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.083% | 42.080% | 0.003% | 0.00300% | Borrower DTI ratio percentis 42.083%. | Initial |
| 97661630 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 97661630 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 97661630 | xx | Full Review | xx | Subject Property Type | Mid Rise Condo (5-8 Stories) | Low Rise Condo (1-4 Stories) |  |  | Subject property type is mid rise condo. | Initial |
| 98478217 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 44.40433% | NA | Initial |
| 98478217 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 1.75000% | NA | Initial |
| 98478217 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -30.28400% | NA | Initial |
| 98478217 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | NA | Initial |
| 98478217 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -30.28400% | NA | Initial |
| 98478217 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | NA | Initial |
| 98478217 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | NA | Initial |
| 32380238 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 1.74991% | As per loan documents. | Initial |
| 32380238 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | As per loan documents. | Initial |
| 32380238 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | As per loan documents. | Initial |
| 79043529 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | As per document. | Initial |
| 79043529 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.90800% | As per document. | Initial |
| 79043529 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.90800% | As per document. | Initial |
| 79043529 | xx | Full Review | xx | Payment History String | 00000000000 | CCCCCCCCCCC |  |  | As per document. | Initial |
| 95574869 | xx | Full Review | xx | Age of Loan | 14 | 13 | 1 | 7.69230% | Age of loan is 14. | Initial |
| 95574869 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 95574869 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.41600% | Tape shows Original CLTV Ratio as xx.1008/AUS shows xx | Initial |
| 95574869 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.41600% | Tape shows Original Standard LTV Ratio as xx.1008/AUS shows xx | Initial |
| 95574869 | xx | Full Review | xx | Payment History String | 0010000000000 | CCCCCCCCCC1CC |  |  | Payment history string is 00010000000. | Initial |
| 25432886 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | current value is N/A | Initial |
| 25432886 | xx | Full Review | xx | MI Company | xx | xx |  |  | MI company is xx | Initial |
| 25432886 | xx | Full Review | xx | Payment History String | 000000000 | CCCCPPPC |  |  |  | Initial |
| 72774715 | xx | Full Review | xx | Age of Loan | 3 | 2 | 1 | 50.00000% | Age of loan is 3. | Initial |
| 72774715 | xx | Full Review | xx | Borrower DTI Ratio Percent | 33.859% | 92.216% | -58.357% | -58.35700% | DTI is 33.859 as per 1008 and DU. | Initial |
| 72774715 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 72774715 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.05900% | LTV is xx as per appraisal report. | Initial |
| 72774715 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.05900% | Original LTV is xx as per appraisal. | Initial |
| 72774715 | xx | Full Review | xx | Payment History String | 00 | CC |  |  | PH string is 000. | Initial |
| 99329844 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 99329844 | xx | Full Review | xx | Payment History String | 00000000100000 | CCCCCPPPPPCCC |  |  | Payment history string is 0000000100000 | Initial |
| 34343409 | xx | Full Review | xx | Age of Loan | 3 | 2 | 1 | 50.00000% | Age of loan is 3. | Initial |
| 34343409 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.293% | 36.290% | 0.003% | 0.00300% | Borrower DTI ratio percent is 36.293%. | Initial |
| 34343409 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 34343409 | xx | Full Review | xx | Payment History String | 00 | CC |  |  | payment history string is 00. | Initial |
| 70350498 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 70350498 | xx | Full Review | xx | Payment History String | 0000321MM1100000 | CPPPPPPPPCCCC |  |  | PH string is 0000321MM1100000. | Initial |
| 70350498 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 27678535 | xx | Full Review | xx | Age of Loan | 80 | 79 | 1 | 1.26582% | Tape Shows Age of Loan Data Provided 79 Audit Value 80. | Initial |
| 27678535 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.979% | 44.999% | -0.020% | -0.02000% | Taps Show Borrower DTI Ratio Percent Data Provided 44,999% Audit Value 44.979%. | Initial |
| 27678535 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape Shows Current value Data Provided xx Audit value Not Applicable. | Initial |
| 27678535 | xx | Full Review | xx | Deferred Balance Amount | Unavailable | $14460.93 |  |  |  | Initial |
| 27678535 | xx | Full Review | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Tape Shows Doc Data of Late Modification Data Provided xx Audit Value Not Applicable. | Initial |
| 27678535 | xx | Full Review | xx | Modification Original Rate | Unavailable | 2.875% |  |  |  | Initial |
| 27678535 | xx | Full Review | xx | Modification Stated Term | Unavailable | 440 |  |  |  | Initial |
| 27678535 | xx | Full Review | xx | Payment History String | 444432100000000000000000 | CCCCCC123444C |  |  | Payment History String is 04444321400000000000 | Initial |
| 27678535 | xx | Full Review | xx | Principal Balance Stated in Mod | xx | xx | xx | -2.73899% |  | Initial |
| 27678535 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Tape Shows Purpose of Transaction per HUD-1 Data Provided Cash Out Audit Value Refinance. | Initial |
| 27678535 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated maturity date is xx | Initial |
| 18323198 | xx | Full Review | xx | Age of Loan | 33 | 34 | -1 | -2.94117% | Age of Loan is 33 | Initial |
| 18323198 | xx | Full Review | xx | Borrower DTI Ratio Percent | 35.826% | 34.973% | 0.853% | 0.85300% | Borrower DTI Ratio Percent is 35.82% | Initial |
| 18323198 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 18323198 | xx | Full Review | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Yes | Initial |
| 18323198 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00200% | Original CLTV Ratio Percent is xx | Initial |
| 18323198 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00200% | Original Standard LTV is xx | Initial |
| 18323198 | xx | Full Review | xx | Payment History String | 111100111104444432100000 | PPPPPPPPPPPP1 |  |  | 011110011110444443210000 | Initial |
| 18323198 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 4353 (Days) |  | xx | Initial |
| 45810620 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 45810620 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -32 (Days) |  | N/A. | Initial |
| 45810620 | xx | Full Review | xx | Payment History String | 000000004444444444444444 | 444444CCCCCCC |  |  | N/A. | Initial |
| 45810620 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 45810620 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 4352 (Days) |  | N/A. | Initial |
| 34133007 | xx | Full Review | xx | Borrower DTI Ratio Percent | 32.471% | 0.000% | 32.471% | 32.47100% | As per loan document. | Initial |
| 34133007 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 34133007 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -31 (Days) |  | The modification agreement was made between the borrower xx and the lender xx on xx. | Initial |
| 34133007 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.71700% | As per loan document. | Initial |
| 34133007 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.71700% | As per loan document. | Initial |
| 34133007 | xx | Full Review | xx | Payment History String | 0044443332222111000 | 22223334444CC |  |  | NA. | Initial |
| 34133007 | xx | Full Review | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 34133007 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 4169 (Days) |  |  | Initial |
| 50845 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 50845 | xx | Full Review | xx | Payment History String | 0000000000 | CCCCPPPPPC |  |  | Payment history is not applicable | Initial |
| 50845 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| 69649019 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.674% | 63.432% | -13.758% | -13.75800% | Borrower DTI ratio is 51.031%. | Initial |
| 69649019 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 69649019 | xx | Full Review | xx | Payment History String | 0 | C |  |  | 0 | Initial |
| 69649019 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 90959756 | xx | Full Review | xx | Age of Loan | 6 | 9 | -3 | -33.33333% |  | Initial |
| 90959756 | xx | Full Review | xx | Borrower DTI Ratio Percent | 27.998% | 27.830% | 0.168% | 0.16800% |  | Initial |
| 90959756 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name As per note document xx. Tape shows xx,. | Initial |
| 90959756 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 90959756 | xx | Full Review | xx | Interest Paid Through Date | Not Applicable | xx |  |  |  | Initial |
| 90959756 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 43 (Days) |  | Note document shows xx.Tape shows xx | Initial |
| 62996461 | xx | Full Review | xx | Borrower DTI Ratio Percent | 35.738% | 46.828% | -11.090% | -11.09000% | DTI calculation done with loan documents | Initial |
| 62996461 | xx | Full Review | xx | Interest Paid Through Date | Not Applicable | xx |  |  | Increase paid through date:N/A | Initial |
| 62996461 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address taken as per note document | Initial |
| 80270620 | xx | Full Review | xx | Interest Paid Through Date | Not Applicable | xx |  |  | Interest Paid through Date Provided xx. Audit Value Not Applicable. | Initial |
| 64465876 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 64465876 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  |  | Initial |
| 64465876 | xx | Full Review | xx | First Payment Date | xx | xx | 30 (Days) |  | First payment date is xx. | Initial |
| 64465876 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 64465876 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of refinance per HUD-1 is Change in Rate/Term. | Initial |
| 64465876 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD-1 is Refinance. | Initial |
| 64465876 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 31 (Days) |  | Stated maturity date is xx. | Initial |
| 64284543 | xx | Full Review | xx | Age of Loan | 5 | 6 | -1 | -16.66666% | Loan term as taken note document | Initial |
| 64284543 | xx | Full Review | xx | Borrower DTI Ratio Percent | 46.194% | 66.440% | -20.246% | -20.24600% | As per loan documents DTI updated | Initial |
| 64284543 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value:N/A | Initial |
| 9284325 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.089% | 48.000% | 0.089% | 0.08900% | BRW DTI ratio percent is 48.08%. | Initial |
| 9284325 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 28.549% | 29.000% | -0.451% | -0.45100% | Housing ratio per U/W is 28.54%. | Initial |
| 32332279 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.595% | 44.000% | -0.405% | -0.40500% | DTI is 43.595%. | Initial |
| 32332279 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 37.531% | 38.000% | -0.469% | -0.46900% | Hsg ratio is 37.531%. | Initial |
| 86079882 | xx | Full Review | xx | Borrower DTI Ratio Percent | 46.255% | 46.000% | 0.255% | 0.25500% | Tape shows borrower DTI ratio percent 46.000%, but the audit value should be 16.668%. | Initial |
| 86079882 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 96310635 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.009% | 36.000% | 0.009% | 0.00900% | Borrower DTI ratio updated asper loan documents. | Initial |
| 96310635 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | In the loan file did not provide MI certificate. | Initial |
| 96310635 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 26.861% | 27.000% | -0.139% | -0.13900% | N/A | Initial |
| 78730462 | xx | Full Review | xx | Borrower DTI Ratio Percent | 54.763% | 55.000% | -0.237% | -0.23700% | Borrower DTI percent updated asper loan documents. | Initial |
| 78730462 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | MI certificate not provide in the loan file. | Initial |
| 78730462 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 45.702% | 46.000% | -0.298% | -0.29800% | N/A | Initial |
| 78730462 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | CLTV rate percent updated asper loan documents. | Initial |
| 78730462 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | LTV/OLTV showing tape data. | Initial |
| 74904297 | xx | Full Review | xx | Borrower DTI Ratio Percent | 46.737% | 47.000% | -0.263% | -0.26300% | Borrower DTI ratio is 46.73%. | Initial |
| 74904297 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is N/A. | Initial |
| 74904297 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 44.446% | 44.000% | 0.446% | 0.44600% | Housing ratio per U/W is 44.44%. | Initial |
| 74904297 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original note doc date is xx. | Initial |
| 13126270 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR is xx | Initial |
| 13126270 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.903% | 50.000% | -0.097% | -0.09700% | BWR DTI is 49.903% | Initial |
| 13126270 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 13126270 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 35.526% | 36.000% | -0.474% | -0.47400% | Housing ratio per is 35.52% | Initial |
| 9873756 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.445% | 36.000% | 0.445% | 0.44500% | Tape shows the borrowers DTI ratio percentage as 36.000%, but it should be 36.445%. | Initial |
| 9873756 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 31.672% | 32.000% | -0.328% | -0.32800% | Tape shows housing ratio per U/W 32.000%, but it should be 31.672%. | Initial |
| 52359356 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.935% | 49.000% | 0.935% | 0.93500% | Tape shows borrower DTI ratio percent 49.000%, but the audit value should be 49.935%. | Initial |
| 52359356 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Tape shows does lender G/L require MI? no, but the audit value should be not applicable. | Initial |
| 52359356 | xx | Full Review | xx | First Payment Date | xx | xx | 30 (Days) |  | Tape shows first payment date xx, but the audit value should be xx. | Initial |
| 52359356 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 40.969% | 41.000% | -0.031% | -0.03100% | Tape shows housing ratio U/W (initial rate) 41.000%, but the audit value should be 40.969%. | Initial |
| 52359356 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 0.65934% | Tape shows original appraised value xx, but the audit value should be xx. | Initial |
| 52359356 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.43800% | Tape shows original CLTV ratio percent, but the audit value should be xx. | Initial |
| 52359356 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.43800% | Tape shows original standard LTC(CLTV) xx, but the audit value should be xx. | Initial |
| 52359356 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 31 (Days) |  |  | Initial |
| 6899322 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.767% | 43.000% | -0.233% | -0.23300% | Borrower DTI Ratio Percent data provided is 43.000% but audit value is 94.891%. | Initial |
| 6899322 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L required MI data provided is no but audit value is not applicable. | Initial |
| 6899322 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 11.874% | 12.000% | -0.126% | -0.12600% | Housing ratio per U/W data provided is 12.000% but audit value is 63.999%. | Initial |
| 43710661 | xx | Full Review | xx | Borrower DTI Ratio Percent | 41.960% | 42.000% | -0.040% | -0.04000% | Calculated DTI percent is 41.960%. | Initial |
| 43710661 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 43710661 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 0.000% | 12.000% | -12.000% | -12.00000% |  | Initial |
| 43710661 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00900% | CLTV percentage is xx. | Initial |
| 43710661 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00900% | Original LTV is xx. | Initial |
| 43710661 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction is cash out. | Initial |
| 32747925 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.816% | 49.000% | -0.184% | -0.18400% | As per the document borrower DTI Ratio percent 48.816% but tape shows 49.000%. | Initial |
| 32747925 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 30.139% | 30.000% | 0.139% | 0.13900% | As per the document housing Ratio percent 30.139% but tape shows 30.000%. | Initial |
| 18283891 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.593% | 50.000% | -0.407% | -0.40700% | Borrower DTI Ratio Percent is 0.000% | Initial |
| 18283891 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -8 (Days) |  | Doc Date of Last Modification is xx. | Initial |
| 18283891 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI | Initial |
| 18283891 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 27.910% | 28.000% | -0.090% | -0.09000% | Housing DTI ratio percent | Initial |
| 34128026 | xx | Full Review | xx | Borrower DTI Ratio Percent | 100.000% | 50.000% | 50.000% | 50.00000% | Tape shows DTI as 50.00%. DU shows 49.844%. | Initial |
| 34128026 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  |  | Initial |
| 34128026 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 72.415% | 36.000% | 36.415% | 36.41500% | Tape shows HTI as 36.000%. DU shows 72.415%. | Initial |
| 34128026 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 3.03030% |  | Initial |
| 34128026 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -2.05900% | Tape shows CLTV as xx. DU shows xx. | Initial |
| 34128026 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -2.05900% | Tape shows LTV as xx. DU shows xx. | Initial |
| 34128026 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |  | Initial |
| 74687683 | xx | Full Review | xx | Borrower DTI Ratio Percent | 33.399% | 33.000% | 0.399% | 0.39900% |  | Initial |
| 74687683 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 74687683 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 0.000% | 13.000% | -13.000% | -13.00000% |  | Initial |
| 74687683 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 19.07894% | Tape shows original appraisal value of xx. appraisal document shows xx. | Initial |
| 74687683 | xx | Full Review | xx | Subject Property Type | Mid Rise Condo (5-8 Stories) | Low Rise Condo (1-4 Stories) |  |  |  | Initial |
| 76432362 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.816% | 50.000% | -0.184% | -0.18400% | As per the document borrower DTI ratio percent is 49.816%, but the tape shows 50.000%. | Initial |
| 76432362 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | As per the document does lender G/L require MI is not applicable, but the tape shows no. | Initial |
| 76432362 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 43.694% | 44.000% | -0.306% | -0.30600% | As per the document housing ratio per U/W is 43.694%, but the tape shows 44.000%. | Initial |
| 75612857 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.956% | 45.000% | -0.044% | -0.04400% | As per loan document. | Initial |
| 75612857 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 44.956% | 45.000% | -0.044% | -0.04400% | As per loan document. | Initial |
| 75612857 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00500% | As per loan document. | Initial |
| 80918686 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.084% | 44.000% | 0.084% | 0.08400% | Borrower DTI Ratio percent is 44.084% | Initial |
| 80918686 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI is Not Applicable | Initial |
| 80918686 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 22.167% | 22.000% | 0.167% | 0.16700% | Housing Ratio per U/W is 22.167% | Initial |
| 80918686 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.28500% | Original CLTV Ratio percent is xx | Initial |
| 80918686 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.28500% | Original Standard LTV (OLTV) is xx | Initial |
| 26297952 | xx | Full Review | xx | Borrower DTI Ratio Percent | 41.355% | 41.000% | 0.355% | 0.35500% | borrower DTI ratio percent is 41.355%. | Initial |
| 26297952 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 20.798% | 21.000% | -0.202% | -0.20200% | Housing ratio per U/W is 20.798%. | Initial |
| 90872536 | xx | Full Review | xx | Borrower DTI Ratio Percent | 21.130% | 42.000% | -20.870% | -20.87000% | Tape Show Borrower DTI ratio percent data Provided 42.000% audit value 21.130%. | Initial |
| 90872536 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Tape Show Does Lender G/L Require MI? data Provided No audit value Not applicable. | Initial |
| 90872536 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 11.303% | 23.000% | -11.697% | -11.69700% | Tape Show Housing Per U?W (Initial rate) data Provided 23.000% audit value 11.303%. | Initial |
| 90872536 | xx | Full Review | xx | Original Appraised Value | Unavailable | xx |  |  | Tape Shoe Original Appraised value data Provided xx audit value. | Initial |
| 90872536 | xx | Full Review | xx | Original CLTV Ratio Percent | Unavailable | xx |  |  | Tape Show Original CLTV Ratio Percent data Provided xx audit value unavailable . | Initial |
| 90872536 | xx | Full Review | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Tape Show Original Standard LTV (OTLV) data Provided xx audit value Unavailable. | Initial |
| 90872536 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |  | Initial |
| 67388695 | xx | Full Review | xx | Borrower #2 Middle Name | xx | xx |  |  |  | Initial |
| 67388695 | xx | Full Review | xx | Borrower DTI Ratio Percent | 39.453% | 51.000% | -11.547% | -11.54700% | Tape shows borrower DTI ratio percent as 51.000% but audit value shows 39.453%. | Initial |
| 67388695 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Tape shows does lender require MI as No but audit value shows not applicable. | Initial |
| 67388695 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 32.552% | 27.000% | 5.552% | 5.55200% | Tape shows housing ratio per U/W as 27.000% but audit value shows 32.552%. | Initial |
| 67388695 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |  | Initial |
| 7681932 | xx | Full Review | xx | Borrower DTI Ratio Percent | 37.088% | 37.000% | 0.088% | 0.08800% | BWR DTI 37.08% | Initial |
| 7681932 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G.L Required MI N.A | Initial |
| 7681932 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 27.105% | 27.000% | 0.105% | 0.10500% | Housing ratio 27.105% | Initial |
| 7681932 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | Note date xx | Initial |
| 18543314 | xx | Full Review | xx | Age of Loan | 215 | 217 | -2 | -0.92165% | Age of loan is 215. Tape shows 217. | Initial |
| 18543314 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 18543314 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 first name is xx. Tape shows xx. | Initial |
| 18543314 | xx | Full Review | xx | Borrower DTI Ratio Percent | 52.302% | 49.911% | 2.391% | 2.39100% | Borrower DTI ratio percent is 49.896%. Tape shows 49.911%. | Initial |
| 18543314 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. Tape shows xx. | Initial |
| 18543314 | xx | Full Review | xx | Current Foreclosure Status | Not Applicable | Other |  |  |  | Initial |
| 18543314 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 18543314 | xx | Full Review | xx | Interest Paid Through Date | Unavailable | xx |  |  | Interest paid through date is unavailable. Tape shows xx. | Initial |
| 18543314 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 480 | -120 | -25.00000% | Loan original maturity term months is 360. Tape shows 480. | Initial |
| 18543314 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -59 (Days) |  | Original appraisal date is xx. Tape shows xx. | Initial |
| 18543314 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 26.46830% | Original stated P&I is xx. Tape shows xx. | Initial |
| 18543314 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property street address is plot no xx. Tape shows plot no xx. | Initial |
| 18543314 | xx | Full Review | xx | Stated Remaining Term | 339 | 340 | -1 | -0.29411% | Stated remaining term is 339. Tape shows 340. | Initial |
| 66779458 | xx | Full Review | xx | Age of Loan | 299 | 301 | -2 | -0.66445% | Age of Loan is 299. | Initial |
| 66779458 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | NA | Initial |
| 66779458 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  |  | Initial |
| 66779458 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| 66779458 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 66779458 | xx | Full Review | xx | First Rate Change Date | xx | xx | -7670 (Days) |  | As per note document first rate change date is xx. | Initial |
| 66779458 | xx | Full Review | xx | Interest Paid Through Date | Not Applicable | xx |  |  | NA | Initial |
| 66779458 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -22 (Days) |  | As per appraisal document original appraisal date is xx | Initial |
| 66779458 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 59.56080% | As per note document Original stated P&I is xx. | Initial |
| 66779458 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Purpose of Transaction per HUD-1 is Cash Out | Initial |
| 66779458 | xx | Full Review | xx | Purpose Per Application | Refinance | Purchase |  |  | As per final 1003 Purpose of application is refinance. | Initial |
| 66779458 | xx | Full Review | xx | Stated Remaining Term | 61 | 63 | -2 | -3.17460% | As per note document stated remaining term is 61. | Initial |
| 69265790 | xx | Full Review | xx | Age of Loan | 229 | 231 | -2 | -0.86580% | Tape shows Age of loan is 231 but audit value is given as 229. | Initial |
| 69265790 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 69265790 | xx | Full Review | xx | Borrower DTI Ratio Percent | 34.828% | 37.285% | -2.457% | -2.45700% | Tape shows Borrower DTI Ratio Percent is 37.285% but audit value is given as 34.828%. | Initial |
| 69265790 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| 69265790 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 69265790 | xx | Full Review | xx | Interest Paid Through Date | Not Applicable | xx |  |  | NA. | Initial |
| 69265790 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -14 (Days) |  | Tape shows Original Appraisal date is xx but audit value given as xx. | Initial |
| 69265790 | xx | Full Review | xx | Stated Remaining Term | 131 | 133 | -2 | -1.50375% | Tape shows Stated remaining Term is 133 but audit value is given as 131. | Initial |
| 33448494 | xx | Full Review | xx | Age of Loan | 45 | 47 | -2 | -4.25531% | As per the document, the age of loan is 45, but the tape shows 47. | Initial |
| 33448494 | xx | Full Review | xx | Borrower DTI Ratio Percent | 31.415% | 71.488% | -40.073% | -40.07300% | As per the document borrower DTI ratio percent is 7.974%, but the tape shows 71.488%. | Initial |
| 33448494 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| 33448494 | xx | Full Review | xx | Current Foreclosure Status | Unavailable | Other |  |  |  | Initial |
| 33448494 | xx | Full Review | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| 33448494 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | As per the document, the does lender G/L required MI is not applicable, but the tape shows no. | Initial |
| 33448494 | xx | Full Review | xx | Interest Paid Through Date | Not Applicable | xx |  |  | As per the document the interest paid through date is not applicable, but the tape shows xx. | Initial |
| 33448494 | xx | Full Review | xx | Stated Remaining Term | 315 | 316 | -1 | -0.31645% | As per the document stated, the remaining term is 315, but the tape shows 316. | Initial |
| 68202224 | xx | Full Review | xx | Age of Loan | 35 | 36 | -1 | -2.77777% |  | Initial |
| 68202224 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 68202224 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.919% | 47.922% | -0.003% | -0.00300% |  | Initial |
| 68202224 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| 68202224 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 68202224 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 68202224 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 480 | -120 | -25.00000% |  | Initial |
| 68202224 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  |  | Initial |
| 68202224 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 26.17666% |  | Initial |
| 68202224 | xx | Full Review | xx | Stated Remaining Term | 465 | 467 | -2 | -0.42826% |  | Initial |
| 10733642 | xx | Full Review | xx | Borrower DTI Ratio Percent | 34.246% | 32.246% | 2.000% | 2.00000% | As per document. | Initial |
| 10733642 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 16.449% | 30.718% | -14.269% | -14.26900% | As per document. | Initial |
| 10733642 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | As per document. | Initial |
| 93753087 | xx | Full Review | xx | Borrower DTI Ratio Percent | 39.756% | 75.826% | -36.070% | -36.07000% | As per document. | Initial |
| 99082286 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of loan is 1. | Initial |
| 99082286 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 99082286 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 99082286 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | Original note doc date is xx. | Initial |
| 28670293 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of Loan is 1 | Initial |
| 28670293 | xx | Full Review | xx | Borrower DTI Ratio Percent | 60.976% | 60.975% | 0.001% | 0.00100% | Borrower DTI Ratio Percent is 60.976% | Initial |
| 28670293 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 28670293 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 0.28599% | Original Appraisal Value is xx | Initial |
| 28670293 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | Original CLTV is Ratio Percent is xx | Initial |
| 28670293 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original Note Doc date is xx | Initial |
| 28670293 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | Original Standard LTV is xx | Initial |
| 70832195 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.794% | 39.189% | -2.395% | -2.39500% | Borrower DTI ratio percent is 36.794%. | Initial |
| 70832195 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | -30.60640% | Original appraised value is xx. | Initial |
| 70832195 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 19.38100% | Original CLTV ratio percent is xx. | Initial |
| 70832195 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 19.38100% | Original standard LTV is xx. | Initial |
| 70832195 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance per HUD-1 is change in rate / term. | Initial |
| 22386848 | xx | Full Review | xx | Does Lender G/L Require MI? | Yes | No |  |  | Yes. | Initial |
| 22386848 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -32 (Days) |  | As per document. | Initial |
| 22386848 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per document. | Initial |
| 14709174 | xx | Full Review | xx | Age of Loan | 7 | 8 | -1 | -12.50000% | Age of loan is 7 months. | Initial |
| 14709174 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.589% | 42.590% | -0.001% | -0.00100% | DTI is 42.589%. | Initial |
| 14709174 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Note reflects BWR last name as xx. | Initial |
| 14709174 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 14709174 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -67 (Days) |  | Appraisal report reflects date as xx. | Initial |
| 87327273 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Tape shows age of loan as 3 but audit value shows 2. | Initial |
| 87327273 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows current value as xx but audit value shows not applicable. | Initial |
| 87327273 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  | Tape shows original appraisal date as xx but audit value shows not applicable. | Initial |
| 87327273 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 80.67800% | Tape shows original standard LTV as xx but audit value shows xx. | Initial |
| 2756447 | xx | Full Review | xx | Age of Loan | 11 | 12 | -1 | -8.33333% |  | Initial |
| 2756447 | xx | Full Review | xx | Borrower DTI Ratio Percent | 45.500% | 69.371% | -23.871% | -23.87100% | Tape shows DTI as 69.371%. 1008 shows 45.500%. | Initial |
| 2756447 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 2756447 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 2756447 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -19 (Days) |  | Tape shows Original Appraisal date as xx. Appraisal document as xx. | Initial |
| 45223881 | xx | Full Review | xx | Age of Loan | 8 | 9 | -1 | -11.11111% | Age of loan is 8. Tape shows 9. | Initial |
| 45223881 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -62 (Days) |  | Original appraisal date is xx. Tape shows xx. | Initial |
| 98305910 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 88632479 | xx | Full Review | xx | Current Value | xx | xx | $-89900.00 | -10.83263% | As per appraisal document current value is xx | Initial |
| 88632479 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 480 | -120 | -25.00000% | As per note document Original maturity term months is 360. | Initial |
| 88632479 | xx | Full Review | xx | Payment History String | 000000000044444444321001 | 0000000000DD |  |  |  | Initial |
| 83351643 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 83351643 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 000000000000000 |  |  |  | Initial |
| 26870157 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows Current value Data provided xx and Audit value Not applicable. | Initial |
| 26870157 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 5.84361% | Tape shows Original Appraised value Data provided xx and Audit value xx. | Initial |
| 26870157 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00100% | Tape shows Original CLTV Ratio percent Data provided xx and Audit value xx. | Initial |
| 26870157 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00100% | Tape shows standard LTV xx and Audit value xx. | Initial |
| 26870157 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Tape shows Purpose of Refinance per Hud-1 Data provided Change in rate/term and Audit value Cash Out-other. | Initial |
| 26870157 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |  | Initial |
| 32133307 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 32133307 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -4 (Days) |  | Doc Date of Last Modification is Unavailable | Initial |
| 32133307 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 480 | -120 | -25.00000% | Loan Original Maturity term Months is 360 | Initial |
| 32133307 | xx | Full Review | xx | Payment History String | 000444444444444444444444 | 000DDDDDDDDD |  |  | Payment History String is | Initial |
| 8959042 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 8959042 | xx | Full Review | xx | Payment History String | 000044444444323212233343 | 000DDDDDDDDD |  |  | NA. | Initial |
| 16646572 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Tape shows borrower first name xx, but the audit value should be xx. | Initial |
| 16646572 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows current value xx, but the audit value should be not applicable. | Initial |
| 16646572 | xx | Full Review | xx | Payment History String | 000 | 0\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* |  |  |  | Initial |
| 85284068 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape Show Current Value Data Provided xx audit value Not applicable. | Initial |
| 85284068 | xx | Full Review | xx | Payment History String | 000000010000000000000000 | 000000000000000000000000 |  |  | Payment string is 000000010000000000000000 | Initial |
| 94546363 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value data provided is xx but audit value is not applicable. | Initial |
| 94546363 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 473 | -113 | -23.89006% | Loan original Maturity term months data provided is 473 but audit value is 360. | Initial |
| 94546363 | xx | Full Review | xx | Payment History String | 000210000000000000000000 | 000000000000000000000000 |  |  | Payment history String data provided is 000000000000 but audit value is 0000000000000000. | Initial |
| 94546363 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street data provided is xx but audit value is xx. | Initial |
| 94546363 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |
| 72358090 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 72358090 | xx | Full Review | xx | MI Company | xx | xx |  |  | Tape shows xx but as per the document it should be xx. | Initial |
| 72358090 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00400% | Tape shows xx but as per the document it should be xx. | Initial |
| 72358090 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00400% | Tape shows xx but as per the document it should be xx. | Initial |
| 66541855 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 66541855 | xx | Full Review | xx | MI Company | xx | xx |  |  |  | Initial |
| 66541855 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 10.00000% |  | Initial |
| 66541855 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 10.00000% |  | Initial |
| 66541855 | xx | Full Review | xx | Payment History String | 000000000000000010000000 | 000000000000 |  |  |  | Initial |
| 81459425 | xx | Full Review | xx | Age of Loan | 31 | 32 | -1 | -3.12500% | Age of Loan is 31. | Initial |
| 81459425 | xx | Full Review | xx | Borrower DTI Ratio Percent | 28.155% | 43.514% | -15.359% | -15.35900% | Borrower DTI Ratio Percent is 28.155% | Initial |
| 81459425 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 81459425 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 28.155% | 30.009% | -1.854% | -1.85400% |  | Initial |
| 57708724 | xx | Full Review | xx | Age of Loan | 25 | 27 | -2 | -7.40740% | Tape Age of Loan data Provided 27 audit value 25. | Initial |
| 57708724 | xx | Full Review | xx | Borrower DTI Ratio Percent | 39.469% | 48.364% | -8.895% | -8.89500% |  | Initial |
| 57708724 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape Show current value data Provided xx audit value Unavailable. | Initial |
| 57708724 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 21.685% | 26.571% | -4.886% | -4.88600% |  | Initial |
| 57708724 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Tape Show Purpose of Refinance Per HUD-1 data Provided Change in rate/Term audit value Cash Out-Other. | Initial |
| 18551306 | xx | Full Review | xx | Age of Loan | 7 | 8 | -1 | -12.50000% | As per the document, the age of loan is 7, but the tape shows 8. | Initial |
| 13346232 | xx | Full Review | xx | Age of Loan | 1 | 3 | -2 | -66.66666% |  | Initial |
| 13346232 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.193% | 54.064% | -4.871% | -4.87100% | As per AUS document DTI Ratio is 49.41%. | Initial |
| 13346232 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 13346232 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 46.417% | 51.014% | -4.597% | -4.59700% | As per AUS document Housing Ratio is 46.41%. | Initial |
| 2482655 | xx | Full Review | xx | Age of Loan | 4 | 5 | -1 | -20.00000% |  | Initial |
| 2482655 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.890% | 43.834% | 1.056% | 1.05600% |  | Initial |
| 2482655 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 2482655 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 21.984% | 23.587% | -1.603% | -1.60300% |  | Initial |
| 26264159 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | As per the document age of loan 1 but tape shows as 2. | Initial |
| 26264159 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | As per the document, the purpose of the refinance per HUD- 1 limited cash out but the tape shows Change in Rate/Term. | Initial |
| 97037733 | xx | Full Review | xx | Age of Loan | 5 | 6 | -1 | -16.66666% |  | Initial |
| 97037733 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 11591641 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 First Name is xx | Initial |
| 11591641 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.574% | 30.583% | 11.991% | 11.99100% | Borrower DTI Ratio percent is 42.574% | Initial |
| 11591641 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx | Initial |
| 11591641 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 37.550% | 25.559% | 11.991% | 11.99100% | Housing ratio per U/W is 37.550% | Initial |
| 11591641 | xx | Full Review | xx | Loan Original Maturity Term Months | 363 | 360 | 3 | 0.83333% |  | Initial |
| 11591641 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 27.15382% | Original Balance is xx | Initial |
| 11591641 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 19.41600% | Original CLTV Ratio percent is xx | Initial |
| 11591641 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -276 (Days) |  | Original Note Doc Status is Unavailable | Initial |
| 11591641 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 19.41600% | Original Standard LTV(OLTV) is xx | Initial |
| 11591641 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 57.48537% | Original Stated Rate is xx | Initial |
| 11591641 | xx | Full Review | xx | Original Stated Rate | 9.12500% | 6.87500% | 2.25000% | 2.25000% | Original Stated rate is 9.12500% | Initial |
| 81543544 | xx | Full Review | xx | Age of Loan | 9 | 10 | -1 | -10.00000% | 9 | Initial |
| 81543544 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Not applicable. | Initial |
| 81543544 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 3.65294% | As per loan documents. | Initial |
| 81543544 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.01000% | As per loan document. | Initial |
| 81543544 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | As per loan document. | Initial |
| 84771774 | xx | Full Review | xx | Age of Loan | 6 | 7 | -1 | -14.28571% | Age of Loan is 6. | Initial |
| 84771774 | xx | Full Review | xx | Current Value | xx | xx | $7320.77 | 1.40062% | As per appraisal document current value is xx. | Initial |
| 84771774 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 1.40062% | As per appraisal document original appraisal value is xx | Initial |
| 84771774 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.01100% | As per appraisal document Original Standard LTV is xx. | Initial |
| 84771774 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | As per appraisal document subject property type is PUD. | Initial |
| 30681035 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of loan is 1. | Initial |
| 30681035 | xx | Full Review | xx | Borrower DTI Ratio Percent | Unavailable | 48.000% |  |  | Borrower DTI ratio percent is unavailable. | Initial |
| 30681035 | xx | Full Review | xx | Current Value | xx | xx | $9690.00 | 2.30544% | As per appraisal document current value is xx. | Initial |
| 30681035 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 2.30544% | As per appraisal document original appraised value is xx | Initial |
| 30681035 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per note document property address street is xx. | Initial |
| 30681035 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | As per appraisal document subject property type is PUD. | Initial |
| 91797210 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 First Name is xx | Initial |
| 91797210 | xx | Full Review | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #2 last name is xx | Initial |
| 91797210 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original Note Doc Date is xx | Initial |
| 73791171 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 73791171 | xx | Full Review | xx | Subject Property Type | Commercial Prop | Single Family |  |  |  | Initial |
| 97529682 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.936% | 49.795% | -0.859% | -0.85900% | As per loan document. | Initial |
| 97529682 | xx | Full Review | xx | Number Of Units | 3 | 1 | 2 | 200.00000% | As per loan document. | Initial |
| 97529682 | xx | Full Review | xx | Subject Property Type | 3 Family | Single Family |  |  | As per loan document. | Initial |
| 39584241 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | As per loan document. | Initial |
| 39584241 | xx | Full Review | xx | Borrower #2 Last Name | xx | xx |  |  | As per loan document. | Initial |
| 39584241 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 39584241 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 1.75000% | As per loan document. | Initial |
| 39584241 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.45600% | As per loan document. | Initial |
| 39584241 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.45600% | As per loan document. | Initial |
| 39584241 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per loan document. | Initial |
| 39584241 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | As per loan document. | Initial |
| 39584241 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | As per loan document. | Initial |
| 13711105 | xx | Full Review | xx | Borrower DTI Ratio Percent | 45.449% | 50.135% | -4.686% | -4.68600% |  | Initial |
| 13711105 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  |  | Initial |
| 93870426 | xx | Full Review | xx | Borrower #2 Middle Name | xx | xx |  |  | Note reflects BWR #2 middle name as xx. | Initial |
| 93870426 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 93870426 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Note reflects address as xx. | Initial |
| 94426195 | xx | Full Review | xx | Borrower #2 First Name | Not Applicable | xx |  |  | BWR #2 First name NA | Initial |
| 94426195 | xx | Full Review | xx | Borrower #2 Last Name | Not Applicable | xx |  |  | BWR #2 last name NA | Initial |
| 94426195 | xx | Full Review | xx | Borrower #2 Middle Name | Not Applicable | xx |  |  | BWR #2 Middle name NA | Initial |
| 94426195 | xx | Full Review | xx | Borrower DTI Ratio Percent | 23.243% | 23.670% | -0.427% | -0.42700% | DTI is 23.24% | Initial |
| 94426195 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 22.410% | 22.840% | -0.430% | -0.43000% | Housing ratio is 22.410% | Initial |
| 94426195 | xx | Full Review | xx | Loan Amortization Type | ARM | Fixed |  |  | Amortization type is ARM | Initial |
| 96067290 | xx | Full Review | xx | Age of Loan | 0 | 1 | -1 | -100.00000% | Age of the loan is 0. | Initial |
| 96067290 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | N/A. | Initial |
| 96067290 | xx | Full Review | xx | Borrower First Name | Not Applicable | xx |  |  | N/A. | Initial |
| 96067290 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 96067290 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 96067290 | xx | Full Review | xx | Subject Property Detached/Attached | Attached | Detached |  |  | Subject property is attached. | Initial |
| 44662741 | xx | Full Review | xx | Age of Loan | 11 | 12 | -1 | -8.33333% | aAge of loan is 11 | Initial |
| 44662741 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 44662741 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require is Not Appicable | Initial |
| 44662741 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 24.666% | 36.239% | -11.573% | -11.57300% | Housing ratio per U/W is 24.666% | Initial |
| 44662741 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68800% | Original CLTV Ratio percent is xx | Initial |
| 44662741 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68800% | OriginaL Standard LTV is xx | Initial |
| 66141842 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2 | Initial |
| 66141842 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 66141842 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI is not applicable | Initial |
| 4001034 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of loan is 1. | Initial |
| 4001034 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 4001034 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 56244522 | xx | Full Review | xx | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | Secondary | Initial |
| 56244522 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 56244522 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance is change in rate/term. | Initial |
| 54667359 | xx | Full Review | xx | Borrower DTI Ratio Percent | 16.858% | 13.387% | 3.471% | 3.47100% | Tape shows borrower DTI ratio as 13.387% but audit value shows 16.858%. | Initial |
| 54667359 | xx | Full Review | xx | First Payment Date | xx | xx | -20 (Days) |  | Tape shows first payment date as xx but audit value shows xx. | Initial |
| 54667359 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 13.387% | 16.858% | -3.471% | -3.47100% | Tape shows Housing ratio per U/I as 16.858% but audit value shows 13.387%. | Initial |
| 54667359 | xx | Full Review | xx | Loan Amortization Type | Fixed | ARM |  |  | Tape shows loan amortization type as ARM but audit value shows fixed. | Initial |
| 54667359 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -4.00000% | Tape shows original standard LTV as xx but audit value shows xx. | Initial |
| 54667359 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -4.00000% | Tape shows original standard LTV as xx but audit value shows xx. | Initial |
| 54667359 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -31 (Days) |  | Tape shows State maturity date as xx but audit value shows xx. | Initial |
| 17287033 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of loan is 1. | Initial |
| 17287033 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 12109729 | xx | Full Review | xx | Age of Loan | 163 | 162 | 1 | 0.61728% | As per loan documents. | Initial |
| 12109729 | xx | Full Review | xx | Borrower #2 First Name | Not Applicable | xx |  |  | NA. | Initial |
| 12109729 | xx | Full Review | xx | Borrower #2 Last Name | Not Applicable | xx |  |  | NA. | Initial |
| 12109729 | xx | Full Review | xx | Borrower DTI Ratio Percent | 21.364% | 22.000% | -0.636% | -0.63600% | As per loan documents. | Initial |
| 12109729 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 12109729 | xx | Full Review | xx | Mortgage Type | FHA | Conventional |  |  | As per loan documents. | Initial |
| 12109729 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.99905% | As per loan documents. | Initial |
| 12109729 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.25200% | As per loan documents. | Initial |
| 12109729 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -8 (Days) |  | As per loan documents. | Initial |
| 12109729 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.95900% | As per loan documents. | Initial |
| 12109729 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 1.00007% | As per loan documents. | Initial |
| 34582585 | xx | Full Review | xx | Age of Loan | 3 | 2 | 1 | 50.00000% | Age of loan is 3 | Initial |
| 34582585 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 first name is xx | Initial |
| 34582585 | xx | Full Review | xx | Borrower DTI Ratio Percent | 46.685% | 46.680% | 0.005% | 0.00500% | Borrower DTI Ratio Percent is 46.685% | Initial |
| 34582585 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 67093147 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of Loan is 1. | Initial |
| 67093147 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 67093147 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable. | Initial |
| 67093147 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -31 (Days) |  | Interest Paid Through Date is xx. | Initial |
| 67093147 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | -1.71972% | Original Appraised Value is xx. | Initial |
| 67093147 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -2.23900% | Original CLTV Ratio Percent is xx. | Initial |
| 67093147 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | Original Standard LTV (OLTV) is xx. | Initial |
| 29326625 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 29326625 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 1.56250% | Original Appraised Value is xx. | Initial |
| 29326625 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.95300% |  | Initial |
| 13117218 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2. | Initial |
| 13117218 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.128% | 52.780% | -4.652% | -4.65200% | Borrower DTI ratio percent is 48.12%. | Initial |
| 13117218 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 83609043 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.872% | 51.914% | -2.042% | -2.04200% | Borrower DTI Ratio percent is 49.872% | Initial |
| 83609043 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 83609043 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -31 (Days) |  | Maturity date is xx. | Initial |
| 2258623 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | Borrower #1 middle name is not applicable. | Initial |
| 2258623 | xx | Full Review | xx | Borrower #2 Middle Name | Not Applicable | xx |  |  | Borrower #2 middle name is not applicable. | Initial |
| 2258623 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 2258623 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original note doc date is xx. | Initial |
| 2258623 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -31 (Days) |  | Stated maturity date is xx. | Initial |
| 33899175 | xx | Full Review | xx | Age of Loan | 10 | 11 | -1 | -9.09090% | Age of Loan is 10 | Initial |
| 33899175 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 33899175 | xx | Full Review | xx | Occupancy at Origination (Property Usage Type) | Investor | Primary |  |  | As per loan document. | Initial |
| 1217703 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  |  | Initial |
| 1217703 | xx | Full Review | xx | Payment History String | 0000000000 | 00000000 |  |  | Payment string is MMMMMMMM | Initial |
| 1217703 | xx | Full Review | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 40503872 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.811% | 35.310% | 12.501% | 12.50100% | Borrower DTI ratio percent is 35.313%. | Initial |
| 40503872 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 40503872 | xx | Full Review | xx | First Payment Date | xx | xx | -242 (Days) |  | first payment date is xx. | Initial |
| 40503872 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 903.92097% | original balance is xx. | Initial |
| 40503872 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 35.46900% | Original CLTV ratio percent is xx. | Initial |
| 40503872 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 35.46900% | Original standard LTV is xx. | Initial |
| 40503872 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 955.50012% | Original stated P&I is xx. | Initial |
| 40503872 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Not Applicable | Change in Rate/Term |  |  | purpose of refinance per HUD-1 is not applicable. | Initial |
| 40503872 | xx | Full Review | xx | Purpose Per Application | Construction/Perm | Refinance |  |  | Purpose per application is construction/permanent. | Initial |
| 1959403 | xx | Full Review | xx | Age of Loan | 3 | 4 | -1 | -25.00000% | Age of loan is 3. | Initial |
| 1959403 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.380% | 44.930% | -1.550% | -1.55000% | Borrower DTI ratio percent is 43.38%. | Initial |
| 1959403 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 1959403 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 1959403 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 25.088% | 24.920% | 0.168% | 0.16800% | Housing ratio per U/W is 25.087%. | Initial |
| 58252341 | xx | Full Review | xx | Age of Loan | 7 | 8 | -1 | -12.50000% | Age of Loan is 7. | Initial |
| 58252341 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.869% | 53.120% | -3.251% | -3.25100% | Borrower DTI Ratio Percent is 49.869%. | Initial |
| 58252341 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 58252341 | xx | Full Review | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does Lender G/L Require MI? is Yes. | Initial |
| 58252341 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 38.025% | 41.700% | -3.675% | -3.67500% | Housing Ratio per U/W (Initial Rate) is 38.025%. | Initial |
| 2408176 | xx | Full Review | xx | Age of Loan | 2 | 4 | -2 | -50.00000% | Age of Loan is 2. | Initial |
| 2408176 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.927% | 48.280% | 1.647% | 1.64700% | Borrower DTI Ratio Percent is 49.927%. | Initial |
| 2408176 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 2408176 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable. | Initial |
| 2408176 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 31.156% | 28.570% | 2.586% | 2.58600% | Housing Ratio per U/W (Initial Rate) is 31.156%. | Initial |
| 2408176 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.03600% | Original CLTV Ratio Percent is xx. | Initial |
| 2408176 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.03600% | Original Standard LTV (OLTV) is xx. | Initial |
| 29288958 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of loan is 1 | Initial |
| 29288958 | xx | Full Review | xx | Borrower #2 Middle Name | Not Applicable | xx |  |  | Borrower #2 middle name is not applicable | Initial |
| 29288958 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.486% | 49.760% | -0.274% | -0.27400% | Borrower DTI Ratio percent is 49.486% | Initial |
| 29288958 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 29288958 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI is not applicable | Initial |
| 29288958 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 43.359% | 43.350% | 0.009% | 0.00900% | Housing ratio per U/W is 43.359% | Initial |
| 84855733 | xx | Full Review | xx | Age of Loan | 3 | 4 | -1 | -25.00000% | Age of Loan is 3 | Initial |
| 84855733 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.358% | 43.710% | -0.352% | -0.35200% | Borrower DTI Ratio percent is 43.358% | Initial |
| 84855733 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 84855733 | xx | Full Review | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does Lender G/L Require MI is Yes | Initial |
| 84855733 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 17.313% | 17.310% | 0.003% | 0.00300% | Housing Ratio per U/W is 17.313% | Initial |
| 31849445 | xx | Full Review | xx | Age of Loan | 2 | 4 | -2 | -50.00000% | age of loan 2 | Initial |
| 31849445 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.512% | 36.500% | 0.012% | 0.01200% | BWR DTI 36.512% | Initial |
| 31849445 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | current value N.A | Initial |
| 31849445 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | does lender require MI N.A | Initial |
| 31849445 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 25.478% | 25.470% | 0.008% | 0.00800% | housing ratio per U/W 25.47% | Initial |
| 47302897 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account indicator is yes. | Initial |
| 47302897 | xx | Full Review | xx | First Payment Date | xx | xx | -31 (Days) |  | First payment date is xx. | Initial |
| 47302897 | xx | Full Review | xx | Payment History String | 0000000000 | 0000000 |  |  | Payment history string is not applicable. | Initial |
| 47302897 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -30 (Days) |  | Stated maturity date is xx. | Initial |
| 91929530 | xx | Full Review | xx | Age of Loan | 36 | 37 | -1 | -2.70270% | Age of the loan 36. | Initial |
| 91929530 | xx | Full Review | xx | Borrower DTI Ratio Percent | 50.194% | 49.952% | 0.242% | 0.24200% | As per loan document. | Initial |
| 91929530 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 68652783 | xx | Full Review | xx | Age of Loan | 42 | 43 | -1 | -2.32558% | Age of loan is 42 months. | Initial |
| 68652783 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 57343810 | xx | Full Review | xx | Age of Loan | 1 | 3 | -2 | -66.66666% | Age of Loan is 1. | Initial |
| 57343810 | xx | Full Review | xx | Borrower DTI Ratio Percent | 46.640% | 58.280% | -11.640% | -11.64000% | Borrower DTI Ratio Percent is 46.640%. | Initial |
| 57343810 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 57343810 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 7.32173% | Original Appraised Value is xx. | Initial |
| 57343810 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original Note Doc Date is xx. | Initial |
| 57343810 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00300% | Original Standard LTV (OLTV) is xx. | Initial |
| 48872697 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.052% | 44.599% | -0.547% | -0.54700% | Borrower DTI ratio percent is 44.722%. | Initial |
| 73927966 | xx | Full Review | xx | Borrower DTI Ratio Percent | 13.877% | 14.031% | -0.154% | -0.15400% | Borrower DTI ratio percent is 13.877% | Initial |
| 73927966 | xx | Full Review | xx | Occupancy at Origination (Property Usage Type) | Primary | Investor |  |  | Occupancy at origination (Property Usage Type) is primary. | Initial |
| 73927966 | xx | Full Review | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  |  | Initial |
| 31301286 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of the loan is 2. | Initial |
| 31301286 | xx | Full Review | xx | Borrower First Name | Not Applicable | xx |  |  | N/A. | Initial |
| 31301286 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | BWR name xx. | Initial |
| 31301286 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 31301286 | xx | Full Review | xx | Debt Service Coverage Ratio (DSCR) | 0.96 | 1 | -0.04 | -4.00000% | DSCR is 0.92. | Initial |
| 31301286 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 31301286 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | Original note doc date xx. | Initial |
| 31301286 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 44679426 | xx | Full Review | xx | Age of Loan | 22 | 24 | -2 | -8.33333% | Age of loan is 22 | Initial |
| 44679426 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.589% | 43.160% | 1.429% | 1.42900% | Borrower DTI Percent is 44.589% | Initial |
| 44679426 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 8124116 | xx | Full Review | xx | Age of Loan | 9 | 10 | -1 | -10.00000% | Age of loan is 9. | Initial |
| 8124116 | xx | Full Review | xx | Borrower DTI Ratio Percent | 66.941% | 56.190% | 10.751% | 10.75100% | Borrower DTI ratio percent is 66.941%. | Initial |
| 8124116 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 8124116 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 21061694 | xx | Full Review | xx | Age of Loan | 12 | 14 | -2 | -14.28571% | Age of loan is -2. | Initial |
| 21061694 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.572% | 49.820% | -7.248% | -7.24800% | BWR DTI is 49.82%. | Initial |
| 21061694 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 21061694 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 8.27202% | Appraised value is xx. | Initial |
| 61369828 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 21.171% | 21.170% | 0.001% | 0.00100% | Housing ratio per U/W (Initial Rate) is 21.171%. | Initial |
| 61369828 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.40000% | Original CLTV ratio percent is xx. | Initial |
| 61369828 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 39 (Days) |  | Original note doc date is xx. | Initial |
| 61369828 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.40000% | Original standard LTV (OLTV) is xx. | Initial |
| 59718354 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | As per loan documents. | Initial |
| 59718354 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | As per loan documents. | Initial |
| 59718354 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | As per loan documents. | Initial |
| 59718354 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 59718354 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 59718354 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | -1.71984% | As per loan documents. | Initial |
| 59718354 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | As per loan documents. | Initial |
| 59718354 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | As per loan documents. | Initial |
| 25893319 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | As per loan documents. | Initial |
| 25893319 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | As per loan documents. | Initial |
| 25893319 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | As per loan documents. | Initial |
| 25893319 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 25893319 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 25893319 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | -1.71990% | As per loan documents. | Initial |
| 25893319 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.40000% | As per loan documents. | Initial |
| 25893319 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.40000% | As per loan documents. | Initial |
| 71842151 | xx | Full Review | xx | Age of Loan | 1 | 3 | -2 | -66.66666% | Age of the loan is 1. | Initial |
| 71842151 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | BWR2 first name is xx. | Initial |
| 71842151 | xx | Full Review | xx | Borrower DTI Ratio Percent | 38.229% | 32.229% | 6.000% | 6.00000% | BWR DTI percent is 38.229% | Initial |
| 71842151 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx. | Initial |
| 71842151 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 71842151 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 93712284 | xx | Full Review | xx | Age of Loan | 4 | 5 | -1 | -20.00000% | Age of loan is 4 months. | Initial |
| 93712284 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Note reflects BWR 1st name as xx. | Initial |
| 93712284 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 93712284 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 93712284 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 10.90909% | Appraisal report reflect value as xx. | Initial |
| 93712284 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Note reflects address as xx. | Initial |
| 12691396 | xx | Full Review | xx | Age of Loan | 8 | 10 | -2 | -20.00000% | Age of Loan is 8 | Initial |
| 12691396 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 First Name is xx | Initial |
| 12691396 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx | Initial |
| 12691396 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 12691396 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 12691396 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -243 (Days) |  | Interest paid Through Date is xx | Initial |
| 12691396 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | -1.71990% | Original Appraisal Value is xx | Initial |
| 12691396 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.40000% | Original CLTV ratio percent is xx. | Initial |
| 12691396 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.40000% | Original Standard LTV is xx | Initial |
| 6764103 | xx | Full Review | xx | Age of Loan | 6 | 7 | -1 | -14.28571% | As per loan documents. | Initial |
| 6764103 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.182% | 44.146% | -1.964% | -1.96400% | As per loan documents. | Initial |
| 6764103 | xx | Full Review | xx | Borrower First Name | Not Applicable | xx |  |  | NA. | Initial |
| 6764103 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | As per loan documents. | Initial |
| 6764103 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 6764103 | xx | Full Review | xx | Mortgage Type | Commercial | Conventional |  |  | As per loan documents. | Initial |
| 90508900 | xx | Full Review | xx | Age of Loan | 10 | 11 | -1 | -9.09090% | As per loan documents. | Initial |
| 83035681 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.507% | 52.670% | -5.163% | -5.16300% | Borrower DTI Ratio Percent is 47.507% | Initial |
| 69836920 | xx | Full Review | xx | Age of Loan | 14 | 15 | -1 | -6.66666% | Age of loan is 14. | Initial |
| 69836920 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 69836920 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | Does lender G/L require MI is not applicable. | Initial |
| 10171642 | xx | Full Review | xx | Age of Loan | 6 | 7 | -1 | -14.28571% | Age of loan is 6. | Initial |
| 10171642 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 60442880 | xx | Full Review | xx | Age of Loan | 6 | 7 | -1 | -14.28571% | Age of Loan is 6. | Initial |
| 60442880 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 60442880 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable. | Initial |
| 60442880 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.62500% | Original CLTV Ratio Percent is xx. | Initial |
| 60442880 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | Original Standard LTV (OLTV) is xx. | Initial |
| 57860528 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2 | Initial |
| 57860528 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.997% | 50.000% | -0.003% | -0.00300% | Borrower DTI Ratio percent is 49.997%. | Initial |
| 57860528 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 57860528 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI is not applicable. | Initial |
| 57860528 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.71300% | Original OLTV Ratio percent is xx. | Initial |
| 57860528 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | Original note doc date is xx. | Initial |
| 57860528 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.71300% | Original standard LTV is xx. | Initial |
| 23797301 | xx | Full Review | xx | Age of Loan | 8 | 11 | -3 | -27.27272% | As per loan documents. | Initial |
| 23797301 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 23797301 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 64 (Days) |  | As per loan documents. | Initial |
| 23797301 | xx | Full Review | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | As per loan documents. | Initial |
| 41218628 | xx | Full Review | xx | Age of Loan | 0 | 2 | -2 | -100.00000% |  | Initial |
| 41218628 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 41218628 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 36.464% | 36.460% | 0.004% | 0.00400% |  | Initial |
| 41218628 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | 31 (Days) |  |  | Initial |
| 41218628 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 33 (Days) |  |  | Initial |
| 4728154 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR middle name xx | Initial |
| 4728154 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.500% | 49.510% | -0.010% | -0.01000% | BWR DTI ratio percent 49.50% | Initial |
| 2246682 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 40407213 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | BWR #2 first name is xx. | Initial |
| 40407213 | xx | Full Review | xx | Borrower DTI Ratio Percent | 19.883% | 19.880% | 0.003% | 0.00300% | BWR DTI percent is 19.88% | Initial |
| 40407213 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 2.50000% | Appraised value is xx. | Initial |
| 40407213 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -1.18700% | CLTV ratio is xx | Initial |
| 40407213 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Note date is xx. | Initial |
| 40407213 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -1.18700% | LTV is xx | Initial |
| 63544219 | xx | Full Review | xx | Borrower DTI Ratio Percent | 53.994% | 50.919% | 3.075% | 3.07500% | Borrower DTI Ratio Percent data provided is 50.919% but audit value is 53.99%. | Initial |
| 63544219 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L required MI data provided is no but audit value is not applicable. | Initial |
| 63544219 | xx | Full Review | xx | Mortgage Type | FHA | Conventional |  |  | Mortgage type data provided is conventional, as per audit values is FHA. | Initial |
| 63544219 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | 1.74981% | Original Balance data provided is xx. but audit value is xx. | Initial |
| 63544219 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | Original Standard CLTV data provided is xx but audit value is xx. | Initial |
| 63544219 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | Original Standard LTV data provided is xx but audit value is xx. | Initial |
| 50681443 | xx | Full Review | xx | Age of Loan | 15 | 14 | 1 | 7.14285% | Age of loan is 15. | Initial |
| 50681443 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.55600% | Original CLTV ratio percent is xx. | Initial |
| 50681443 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.55600% | original standard (CLTV) is xx. | Initial |
| 50681443 | xx | Full Review | xx | Payment History String | 0000000000000000 | CCCCCCCCCCCCC |  |  | Payment history string is not applicable | Initial |
| 31811729 | xx | Full Review | xx | Payment History String | 0000211000000 | CCCCCC112CCC |  |  | Payment History String is Not Applicable | Initial |
| 31811729 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 35403586 | xx | Full Review | xx | Age of Loan | 10 | 9 | 1 | 11.11111% | As per the document age of loan 9 but tape shows as 10. | Initial |
| 35403586 | xx | Full Review | xx | Payment History String | 0000000000 | CCCCPPPPP |  |  | Payment History String is Not Applicable | Initial |
| 35403586 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per the note document property address street updated. | Initial |
| 92849582 | xx | Full Review | xx | Age of Loan | 9 | 8 | 1 | 12.50000% | Age of loan is 9. | Initial |
| 92849582 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.20000% |  | Initial |
| 92849582 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.20000% |  | Initial |
| 92849582 | xx | Full Review | xx | Payment History String | 00000000 | CCCCCCCC |  |  |  | Initial |
| 99460273 | xx | Full Review | xx | Age of Loan | 3 | 2 | 1 | 50.00000% | As per loan document. | Initial |
| 99460273 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | NA. | Initial |
| 99460273 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00200% | As per loan document. | Initial |
| 99460273 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00200% | As per loan document. | Initial |
| 99460273 | xx | Full Review | xx | Payment History String | 000 | CC |  |  | NA. | Initial |
| 99460273 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per loan document. | Initial |
| 41293660 | xx | Full Review | xx | B1 Self-Employed? | Unavailable | No |  |  | B1 self employed unavailable. | Initial |
| 22836520 | xx | Full Review | xx | Age of Loan | 10 | 12 | -2 | -16.66666% | Age of loan is 10. | Initial |
| 22836520 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.167% | 36.000% | 0.167% | 0.16700% | Borrower DTI Ratio Percent is 36.167% | Initial |
| 22836520 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Currnt value is Not Applicable. | Initial |
| 22836520 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | 4 (Days) |  |  | Initial |
| 22836520 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 3.03030% | Original Appraised Valye is xx. | Initial |
| 31812654 | xx | Full Review | xx | Age of Loan | 0 | 1 | -1 | -100.00000% | Age of Loan is 0. | Initial |
| 31812654 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 First Name is xx. | Initial |
| 31812654 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.074% | 47.070% | 0.004% | 0.00400% | Borrower DTI Ratio Percent is 47.074%. | Initial |
| 31812654 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| 31812654 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 31812654 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | -0.00999% | Original Appraised Value is xx | Initial |
| 31812654 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00500% | Original CLTV Ratio Percent is xx. | Initial |
| 31812654 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -7 (Days) |  | Original Note Doc Date is xx. | Initial |
| 31812654 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00500% | Original Standard LTV (OLTV) is xx. | Initial |
| 7783847 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2. | Initial |
| 7783847 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 First Name is xx. | Initial |
| 7783847 | xx | Full Review | xx | Borrower DTI Ratio Percent | 22.427% | 22.430% | -0.003% | -0.00300% | Borrower DTI Ratio percent is 22.427%. | Initial |
| 7783847 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| 7783847 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 7783847 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 1.86227% | Original Appraised Value is xx. | Initial |
| 7783847 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00300% | original CLTV ratio percent is Unavailable. | Initial |
| 7783847 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | Original Note Doc Date is xx. | Initial |
| 7783847 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00300% | Original Standard LTV is xx. | Initial |
| 21202515 | xx | Full Review | xx | Age of Loan | 0 | 2 | -2 | -100.00000% | Age of loan is 0 | Initial |
| 21202515 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 first Name is xx. | Initial |
| 21202515 | xx | Full Review | xx | Borrower DTI Ratio Percent | 41.599% | 41.290% | 0.309% | 0.30900% | Borrower DTI Ratio Percent is 41.599%. | Initial |
| 21202515 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| 21202515 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 21202515 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 3.88888% | Original Appraised Value is xx. | Initial |
| 44167380 | xx | Full Review | xx | Age of Loan | 0 | 2 | -2 | -100.00000% | Age of loan is 0 | Initial |
| 44167380 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.810% | 43.770% | 1.040% | 1.04000% | Borrower DTI Ratio percent is 43% | Initial |
| 44167380 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx. | Initial |
| 44167380 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 44167380 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 1.21212% | Original appraised value is xx | Initial |
| 44167380 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original Note Doc Date is xx | Initial |
| 13417730 | xx | Full Review | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2. | Initial |
| 13417730 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 first name is xx. | Initial |
| 13417730 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.922% | 49.920% | 0.002% | 0.00200% | Borrower DTI ratio percent is 49.922%. | Initial |
| 13417730 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| 13417730 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 13417730 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 0.03474% | Original appraised value is xx. | Initial |
| 13417730 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | Original note doc date is xx. | Initial |
| 13417730 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 70.92000% | Original Standard LTV is xx | Initial |
| 81632636 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 3.96400% | CLTV ratio % is xx | Initial |
| 81632636 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Note date is xx. | Initial |
| 81632636 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 71.74400% | LTV is xx | Initial |
| 47716715 | xx | Full Review | xx | Payment History String | 0000000000000 | 0x30 |  |  |  | Initial |
| 3746296 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Escrow A/c is Yes. | Initial |
| 3746296 | xx | Full Review | xx | First Payment Date | xx | xx | -31 (Days) |  | Note reflects 1st payment date as xx. | Initial |
| 3746296 | xx | Full Review | xx | Payment History String | 0000000 | 00000 |  |  |  | Initial |
| 3746296 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Note reflects address as xx. | Initial |
| 3746296 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -31 (Days) |  | Note reflects maturity date as xx. | Initial |
| 84669704 | xx | Full Review | xx | Borrower DTI Ratio Percent | 31.609% | 32.080% | -0.471% | -0.47100% | Borrower DTI Ratio percent is 31.609% | Initial |
| 84669704 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI is not applicable | Initial |
| 90980188 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  |  | Initial |
| 90980188 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 4.62279% | Original Stated P&I is xx. | Initial |
| 90980188 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  |  | Initial |
| 792181 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -20 (Days) |  | Original Note Doc Date is xx | Initial |
| 39898940 | xx | Full Review | xx | Does Lender G/L Require MI? | Yes | No |  |  | Yes. | Initial |
| 83871425 | xx | Full Review | xx | Borrower DTI Ratio Percent | 50.209% | 50.208% | 0.001% | 0.00100% | Borrower DTI ratio percent is 50.209%. | Initial |
| 83871425 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 84526985 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.815% | 46.258% | 1.557% | 1.55700% | Tape shows 46.258% but audit value shows 47.819%. | Initial |
| 35212248 | xx | Full Review | xx | Borrower DTI Ratio Percent | 45.127% | 45.126% | 0.001% | 0.00100% | BWR DTI ratio percent is 45.127%. | Initial |
| 35212248 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 35212248 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -7 (Days) |  | Original note doc date is xx. | Initial |
| 99241255 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.986% | 56.955% | -11.969% | -11.96900% | Original DTI is 44.986%. | Initial |
| 99241255 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 99241255 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original Note Date is xx | Initial |
| 75399762 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.269% | 44.275% | -0.006% | -0.00600% | Borrower DTI ratio percent is 44.269%. | Initial |
| 75399762 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 75399762 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -17 (Days) |  | Original note doc date is xx. | Initial |
| 79662552 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 79662552 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | Original CLTV ratio percent is xx. | Initial |
| 79662552 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -17 (Days) |  | Original note doc date is xx. | Initial |
| 79662552 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | Original standared LTV (OLTV) is xx. | Initial |
| 55408546 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI is not applicable. | Initial |
| 55408546 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -4 (Days) |  | Origination Note Doc date is xx. | Initial |
| 61217676 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 61217676 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | Original CLTV ratio percent is xx. | Initial |
| 61217676 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | Original standard LTV (OLTV) is xx. | Initial |
| 48344347 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable. | Initial |
| 48344347 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68800% | Original CLTV Ratio Percent is xx. | Initial |
| 48344347 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original Note Doc Date is xx. | Initial |
| 48344347 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68800% | Original Standard LTV (OLTV) is xx. | Initial |
| 39537052 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI is not applicable | Initial |
| 86914983 | xx | Full Review | xx | Borrower DTI Ratio Percent | Unavailable | 44.607% |  |  | Borrower DTI Ratio Percent is Unavaible | Initial |
| 49399572 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.614% | 52.019% | -4.405% | -4.40500% | BWR DTI ratio percent is 47.614%. | Initial |
| 49399572 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does not required MI cert. | Initial |
| 49399572 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original note doc date is xx. | Initial |
| 76576397 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 76576397 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original note doc date is xx. | Initial |
| 2895956 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender g/l requiremi is Not Applicable | Initial |
| 2895956 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original Note Doc Date is xx | Initial |
| 62860511 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does not required MI cert. | Initial |
| 44314902 | xx | Full Review | xx | Borrower DTI Ratio Percent | 37.645% | 46.044% | -8.399% | -8.39900% | Tape shows DTI ratio percent 46.044%, but audit value shows 37.645%. | Initial |
| 44314902 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Tape shows does lender G/L required MI? No, but audit value shows not applicable. | Initial |
| 59440315 | xx | Full Review | xx | Age of Loan | 5 | 4 | 1 | 25.00000% | Age of loan is 5. | Initial |
| 59440315 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 67763322 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 67763322 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI is not applicable | Initial |
| 51038293 | xx | Full Review | xx | Borrower DTI Ratio Percent | 52.564% | 52.580% | -0.016% | -0.01600% | As per 1008 DTI is 49.833%. | Initial |
| 51038293 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 50770436 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 59526778 | xx | Full Review | xx | Borrower DTI Ratio Percent | 36.872% | 36.871% | 0.001% | 0.00100% | As per loan document. | Initial |
| 59526778 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | As per loan document. | Initial |
| 75718748 | xx | Full Review | xx | Borrower DTI Ratio Percent | 37.107% | 36.877% | 0.230% | 0.23000% | Borrrower DTI Ratio Percent is 37.107% | Initial |
| 75718748 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 29326299 | xx | Full Review | xx | Borrower DTI Ratio Percent | 23.850% | 23.950% | -0.100% | -0.10000% | Tape shows 23.950% but audit value shows 23.858%. | Initial |
| 29326299 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | current value is not applicable. | Initial |
| 29326299 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Tape shows No but audit value shows NA. | Initial |
| 14972893 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | As per the document, the current value is not applicable, but the tape shows xx. | Initial |
| 61983988 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 61983988 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 61983988 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 61983988 | xx | Full Review | xx | Mortgage Type | Commercial | Conventional |  |  | Mortgage type is commercial. | Initial |
| 83444069 | xx | Full Review | xx | Age of Loan | 27 | 29 | -2 | -6.89655% | Age of loan is 27 | Initial |
| 83444069 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 83444069 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00200% | Original CLTV is xx | Initial |
| 83444069 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00200% | Original LTV is xx | Initial |
| 12662781 | xx | Full Review | xx | Age of Loan | 34 | 35 | -1 | -2.85714% | As per loan documents. | Initial |
| 12662781 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.160% | 102.587% | -58.427% | -58.42700% | BWR ratio is 44.16%. | Initial |
| 12662781 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 12662781 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 23.844% | 81.158% | -57.314% | -57.31400% | Housing ratio is 23.84%. | Initial |
| 12662781 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.82500% | CLTV ratio at xx. | Initial |
| 12662781 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | As per loan documents. | Initial |
| 12662781 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.82500% | As per loan documents. | Initial |
| 53216970 | xx | Full Review | xx | Age of Loan | 25 | 27 | -2 | -7.40740% | As per loan document. | Initial |
| 53216970 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | As per loan document. | Initial |
| 53216970 | xx | Full Review | xx | Borrower DTI Ratio Percent | 34.199% | 47.042% | -12.843% | -12.84300% | As per loan document. | Initial |
| 53216970 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 53216970 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 20.547% | 21.287% | -0.740% | -0.74000% | As per loan document. | Initial |
| 53216970 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | As per loan document. | Initial |
| 46731737 | xx | Full Review | xx | Age of Loan | 56 | 57 | -1 | -1.75438% | Age of loan data provided is 57 but audit value is 56. | Initial |
| 46731737 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value data provided is xx but audit value is not applicable. | Initial |
| 46731737 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | -55.97225% | Original appraisal data provided is xx but audit value is not applicable. | Initial |
| 46731737 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 26.48400% | Original CLTV data provided is xx but audit value is not applicable. | Initial |
| 46731737 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original Note Doc Date data provided is xx but audit value is xx | Initial |
| 46731737 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 26.48400% | Original Standard LTV data provided is xx but audit value is not applicable. | Initial |
| 46731737 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  |  | Initial |
| 6456873 | xx | Full Review | xx | Age of Loan | 17 | 19 | -2 | -10.52631% | Age of loan is 17. | Initial |
| 6456873 | xx | Full Review | xx | Borrower #2 Middle Name | Not Applicable | xx |  |  | NA. | Initial |
| 6456873 | xx | Full Review | xx | Borrower DTI Ratio Percent | 35.428% | 35.418% | 0.010% | 0.01000% | Borrower DTI Ratio Percent is 34.906%. Tape shows 35.418%. | Initial |
| 6456873 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 6456873 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 16.753% | 16.748% | 0.005% | 0.00500% | Housing Ratio U/W (Initial Rate) is 16.236%. Tape shows 16.748%. | Initial |
| 92078312 | xx | Full Review | xx | Age of Loan | 0 | 1 | -1 | -100.00000% | Age of Loan is 0 | Initial |
| 92078312 | xx | Full Review | xx | Borrower DTI Ratio Percent | 65.589% | 49.956% | 15.633% | 15.63300% | Borrower DTI Ratio Percent is 49.693% | Initial |
| 92078312 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 92078312 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 55.869% | 42.552% | 13.317% | 13.31700% | Housing Ratio per U/W is 42.329% | Initial |
| 92078312 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -15 (Days) |  | Original Note Doc Date is xx | Initial |
| 35845861 | xx | Full Review | xx | Age of Loan | 9 | 11 | -2 | -18.18181% | As per the document, the age of loan is 9, but the tape shows 11. | Initial |
| 35845861 | xx | Full Review | xx | Borrower DTI Ratio Percent | 19.052% | 14.359% | 4.693% | 4.69300% | As per the document, the borrower DTI ratio percent type is 19.052%, but the tape shows 14.359%. | Initial |
| 35845861 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | As per the document, the current value is not applicable, but the tape shows xx. | Initial |
| 35845861 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 18.830% | 14.138% | 4.692% | 4.69200% | As per document. | Initial |
| 35845861 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00100% | As per document. | Initial |
| 35845861 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00100% | As per the document, the original standard LTV is xx, but the tape shows xx. | Initial |
| 63233668 | xx | Full Review | xx | Age of Loan | 15 | 16 | -1 | -6.25000% | Age of loan is 15. | Initial |
| 63233668 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.401% | 46.420% | 2.981% | 2.98100% | Borrower DTI ratio percent is 49.401%. | Initial |
| 63233668 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 63233668 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 38.549% | 35.568% | 2.981% | 2.98100% | Housing ratio per U/W is 38.549%. | Initial |
| 63233668 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -365 (Days) |  | Interest paid through date is xx. | Initial |
| 64847898 | xx | Full Review | xx | Age of Loan | 10 | 11 | -1 | -9.09090% | Age of loan is 10 | Initial |
| 64847898 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.845% | 50.161% | -0.316% | -0.31600% | DTI is 49.84% | Initial |
| 64847898 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 64847898 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is NA | Initial |
| 85943044 | xx | Full Review | xx | Age of Loan | 10 | 11 | -1 | -9.09090% | Age of loan is 10 | Initial |
| 85943044 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value NA | Initial |
| 85943044 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -304 (Days) |  | Interest paid through date is xx. | Initial |
| 85943044 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 88003360 | xx | Full Review | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | As per the document age of loan is 1, but the tape shows 2. | Initial |
| 88003360 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 88003360 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Required MI? is Not Applicable | Initial |
| 69513647 | xx | Full Review | xx | Age of Loan | 0 | 1 | -1 | -100.00000% | Age of loan is 0 | Initial |
| 69513647 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.234% | 54.515% | -7.281% | -7.28100% | Borrower DTI Ratio percent is 47.234% | Initial |
| 69513647 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 69513647 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI is not applicable | Initial |
| 68783124 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | As per loan documents. | Initial |
| 68783124 | xx | Full Review | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 Firts Name is xx | Initial |
| 68783124 | xx | Full Review | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower #2 Middle Name is xx | Initial |
| 68783124 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx | Initial |
| 68783124 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx | Initial |
| 68783124 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 68783124 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -81 (Days) |  | Doc Date of Last Modification is xx | Initial |
| 68783124 | xx | Full Review | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  | As per loan documents. | Initial |
| 68783124 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 411 | -51 | -12.40875% | As per loan documents. | Initial |
| 68783124 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  | Original Appraisal Date is Not Applicable | Initial |
| 68783124 | xx | Full Review | xx | Payment History String | 000000000000000000000004 | _11111111111111111111115 |  |  | Payment History String is 0000004432100MMMMMMMMM | Initial |
| 54766720 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.637% | 42.000% | 0.637% | 0.63700% | BWR DTI ratio percent is 42.637%. | Initial |
| 54766720 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 54766720 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 38.299% | 38.290% | 0.009% | 0.00900% | Housing Ratio per 38.299%. | Initial |
| 54766720 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN number is xx. | Initial |
| 54766720 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -32.44200% | CLTV ratio xx. | Initial |
| 54766720 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 60.39800% | Original standard LTV (OLTV) is xx. | Initial |
| 54766720 | xx | Full Review | xx | Payment History String | 000000000000000000000 | _1111111111111111111111 |  |  | Payment history string 0000000000MMMMMMMM. | Initial |
| 45773391 | xx | Full Review | xx | Borrower DTI Ratio Percent | 39.038% | 39.000% | 0.038% | 0.03800% | Borrower DTI Ratio percent is 39.038% | Initial |
| 45773391 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 45773391 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 39.038% | 39.030% | 0.008% | 0.00800% | Housing Ratio Per U/W is 39.038% | Initial |
| 45773391 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN number is xx. | Initial |
| 45773391 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  | Original Appraisal DAte is not Applicable | Initial |
| 45773391 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -42.25400% | Original CLTV Ratio Percnt is Unavaible | Initial |
| 45773391 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 46.37600% | Original Standard LTV is xx | Initial |
| 45773391 | xx | Full Review | xx | Payment History String | 0000001 | _11111211 |  |  | Payment History String is 00000001 | Initial |
| 58092476 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #1 Middle Name is xx. | Initial |
| 58092476 | xx | Full Review | xx | Borrower DTI Ratio Percent | 33.322% | 33.000% | 0.322% | 0.32200% | Borrower DTI Ratio Percent is 33.322%. | Initial |
| 58092476 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 58092476 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 31.742% | 31.740% | 0.002% | 0.00200% | Housing Ratio per U/W (Initial Rate) is 31.742%. | Initial |
| 58092476 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is xx. | Initial |
| 58092476 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  | Original Appraisal Date is Not Applicable. | Initial |
| 58092476 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -55.58400% | Original CLTV Ratio Percent is Unavailable. | Initial |
| 58092476 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 33.24600% | Original Standard LTV (OLTV) is xx. | Initial |
| 58092476 | xx | Full Review | xx | Payment History String | 0000010 | _11112111 |  |  | Payment History String is 00000100. | Initial |
| 92607958 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.199% | 42.000% | 0.199% | 0.19900% | BWR DTI ratio percent 42.199%. | Initial |
| 92607958 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 32.413% | 32.410% | 0.003% | 0.00300% | Housing ratio percent is 32.41%. | Initial |
| 92607958 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN number xx. | Initial |
| 92607958 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -20.34100% |  | Initial |
| 92607958 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 66.14900% |  | Initial |
| 92607958 | xx | Full Review | xx | Payment History String | 00000000001 | _111111111211 |  |  | Payment history string 0000000000. | Initial |
| 61665450 | xx | Full Review | xx | Borrower DTI Ratio Percent | 35.068% | 35.000% | 0.068% | 0.06800% | DTI ratio 35.068% | Initial |
| 61665450 | xx | Full Review | xx | Current Value | Unavailable | xx |  |  | Current value N.A | Initial |
| 61665450 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 16.153% | 16.150% | 0.003% | 0.00300% | housing ratio per U/W 16.15% | Initial |
| 61665450 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | Min number xx | Initial |
| 61665450 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  | original appraisal date N.A | Initial |
| 61665450 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -19.51600% | CLTV ratio unavailable | Initial |
| 61665450 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 63.66400% | LTV xx | Initial |
| 61665450 | xx | Full Review | xx | Payment History String | 000000 | _1111111 |  |  | payment history string 000000 | Initial |
| 43212686 | xx | Full Review | xx | Borrower DTI Ratio Percent | 66.530% | 66.000% | 0.530% | 0.53000% | Tape shows DTI as 66.00%. 1008 shows 66.53%. | Initial |
| 43212686 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 43212686 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 64.030% | 64.000% | 0.030% | 0.03000% | Tape shows HTI as 64.00%. 1008 shows 64.03%. | Initial |
| 43212686 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | Mers min number is xx. | Initial |
| 43212686 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  | original appraisal date is not applicable. | Initial |
| 43212686 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00500% | Tape shows LTV as xx. 1008 shows xx. | Initial |
| 43212686 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00500% | Tape shows LTV as xx. 1008 shows xx. | Initial |
| 43212686 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | _11111111111111111111111 |  |  | Payment history string is 000000000000MMMMMMMMMMMM. | Initial |
| 87151898 | xx | Full Review | xx | Borrower DTI Ratio Percent | 35.608% | 35.000% | 0.608% | 0.60800% | borrower DTI Ratio Percent is 35.608%. | Initial |
| 87151898 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 87151898 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 35.608% | 35.600% | 0.008% | 0.00800% | Housing Ratio as per UW (Initial Rate) is 35.608%. | Initial |
| 87151898 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is xx. | Initial |
| 87151898 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  | Original Appraisal Date is Not Applicable. | Initial |
| 87151898 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -27.20200% | Original CLTV Ratio Percent is Unavailable. | Initial |
| 87151898 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 54.78800% | Original Standard LTV (OLTV) is xx. | Initial |
| 87151898 | xx | Full Review | xx | Payment History String | 00000002100 | _111111321111 |  |  | Payment History String is 00000002100. | Initial |
| 87151898 | xx | Full Review | xx | Stated Remaining Term | 229 | 230 | -1 | -0.43478% | Stated Remaining Term is 229. | Initial |
| 37641924 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 37641924 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | As per loan documents. | Initial |
| 37641924 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -21 (Days) |  | As per loan documents. | Initial |
| 37641924 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | _1119111111111111 |  |  | payment history string is Not Applicable | Initial |
| 72388679 | xx | Full Review | xx | Borrower DTI Ratio Percent | 23.112% | 23.000% | 0.112% | 0.11200% | As per loan documents. | Initial |
| 72388679 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Tape shows Borrower Last name Data provided xx and Audit value xx. | Initial |
| 72388679 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows Current value Data provided xx and Audit value Not applicable. | Initial |
| 72388679 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 14.288% | 14.280% | 0.008% | 0.00800% | As per loan documents. | Initial |
| 72388679 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | As per loan documents. | Initial |
| 72388679 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | _11111111111111111111111 |  |  |  | Initial |
| 14213201 | xx | Full Review | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #2 Last Name is xx | Initial |
| 14213201 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 14213201 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is xx. | Initial |
| 14213201 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -19 (Days) |  | Original Appraisal date is xx. | Initial |
| 14213201 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 10.59000% | Original CLTV ratio Percent is xx. | Initial |
| 14213201 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 10.59000% | Original standard LTV(OLTV) is xx. | Initial |
| 14213201 | xx | Full Review | xx | Payment History String | 000MMM | _111 |  |  | Payment history string is | Initial |
| 32370440 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | current value N.A | Initial |
| 32370440 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | 12 (Days) |  | Doc date of last modification xx | Initial |
| 32370440 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 576 | -216 | -37.50000% | As per the document loan original maturity term months 360 but tape show 576. | Initial |
| 32370440 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number: 99-9999999999999999 | Initial |
| 32370440 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -24 (Days) |  | As per the document original appraisal sate xx but tape shows xx. | Initial |
| 32370440 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.00400% | As per the document original CLTV Ratio percent xx but tape shows xx. | Initial |
| 32370440 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.00400% | As per the document original Standard LTV xx but tape shows xx. | Initial |
| 32370440 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | -7.03215% | As per the document, the original stated P&I was xx, but the tape shows xx. | Initial |
| 32370440 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | _11111111111111111111111 |  |  | Payment History String: 0000000000000MMMMMMMMMMM | Initial |
| 48920455 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.239% | 42.000% | 0.239% | 0.23900% | Borrower DTI ratio Percent is 42.239%. | Initial |
| 48920455 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is Not applicable. | Initial |
| 48920455 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 17.057% | 17.050% | 0.007% | 0.00700% | Housing ratio per U/W is 17.057%. | Initial |
| 48920455 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is xx. | Initial |
| 48920455 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | _11111111111111111111111 |  |  | Payment history string is 00000000000000000MMMMMMMMMMMM | Initial |
| 48920455 | xx | Full Review | xx | Stated Remaining Term | 132 | 133 | -1 | -0.75187% | Stated Remaining Term is 132. | Initial |
| 89928376 | xx | Full Review | xx | Borrower DTI Ratio Percent | 33.571% | 33.000% | 0.571% | 0.57100% | As per the document, the borrower DTI ratio percent type is 31.665%, but the tape shows 33.000%. | Initial |
| 89928376 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | As per the document, the current value is not applicable, but the tape shows xx. | Initial |
| 89928376 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 17.606% | 17.600% | 0.006% | 0.00600% | Housing Ratio Per U/W is 17.606% | Initial |
| 89928376 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is | Initial |
| 89928376 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  | As per the document, the original appraised date is xx, but the tape shows xx. | Initial |
| 89928376 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00100% | As per the document, the original CLTV ratio percent is xx, but the tape shows xx. | Initial |
| 89928376 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00100% | As per the document, the original LTV ratio percent is xx, but the tape shows xx. | Initial |
| 89928376 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | _11111111111111111111111 |  |  | Payment History string is 0000000mmmmmmmmmmmm | Initial |
| 93479326 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 93479326 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | 23 (Days) |  | Last mod date is xx. | Initial |
| 93479326 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 694 | -334 | -48.12680% | As per loan documents. | Initial |
| 93479326 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN number is xx. | Initial |
| 93479326 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -19 (Days) |  | Original appraisal date is xx. | Initial |
| 93479326 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 105.64735% | P&I is xx. | Initial |
| 93479326 | xx | Full Review | xx | Original Stated Rate | 7.50000% | 2.00000% | 5.50000% | 5.50000% | Original stated rate is 7.5%. | Initial |
| 93479326 | xx | Full Review | xx | Payment History String | 004444444444444444444444 | _11166666666666666666666 |  |  | Payment history string 004444444444444444444444. | Initial |
| 93479326 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Not Applicable | Change in Rate/Term |  |  | N/A. | Initial |
| 93479326 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Purchase | Refinance |  |  | Purpose of transaction is purchase. | Initial |
| 93479326 | xx | Full Review | xx | Purpose Per Application | Purchase | Refinance |  |  | Purpose of application is purchase. | Initial |
| 86902726 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 86902726 | xx | Full Review | xx | Loan Amortization Type | Fixed | ARM |  |  | As per the document loan amortization type Fixed but tape show ARM. | Initial |
| 86902726 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | As per the mortgage document MERS MIN Number updated. | Initial |
| 86902726 | xx | Full Review | xx | Occupancy at Origination (Property Usage Type) | Investor | Primary |  |  | Occupancy at Origination is Investor | Initial |
| 86902726 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -10 (Days) |  | Original Appraisal Date is xx | Initial |
| 86902726 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00200% | As per the document original CLTV ratio percent xx but tape shows xx. | Initial |
| 86902726 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00200% | As per the document original Standard LTV xx but tape shows xx | Initial |
| 86902726 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | 37.72034% | As per the document, the original stated P&I was xx, but the tape shows xx. | Initial |
| 86902726 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | _11111111111111111111111 |  |  | Payment history string is MMMMMMMMMMMMMMMMMMMMMMMMM | Initial |
| 86902726 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | No Cash-Out | Change in Rate/Term |  |  | As per the document updated. | Initial |
| 56592617 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 56592617 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | Mers min number is xx. | Initial |
| 56592617 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -30 (Days) |  | Original appraised date is xx. | Initial |
| 56592617 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.23000% | Original CLTV ratio percent is xx. | Initial |
| 56592617 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.23000% | Original standard LTV is xx. | Initial |
| 56592617 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | _11111111111111111111111 |  |  | Payment history string is not applicable. | Initial |
| 36932357 | xx | Full Review | xx | Borrower DTI Ratio Percent | 48.255% | 48.000% | 0.255% | 0.25500% | Tape shows the borrower DTI ratio percent is 48.000%, but it should be 48.255%. | Initial |
| 36932357 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows the current value is xx, but it should be not applicable. | Initial |
| 36932357 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $21059.48 |  |  | Tape shows the deferred balance amount is $21,059.48, but it should be not applicable. | Initial |
| 36932357 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 28.934% | 28.930% | 0.004% | 0.00400% | Tape shows the housing ratio per U/W is 28.930%, but it should be 28.934%. | Initial |
| 36932357 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | Tape shows the MERS MIN number is xx, but it should be xx. | Initial |
| 36932357 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  | Tape shows the original appraisal date is xx, but it should be not applicable. | Initial |
| 36932357 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00100% | Tape shows the original CLTV ratio percent is xx, but it should be not applicable. | Initial |
| 36932357 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00100% | Tape shows the original standard LTV is xx, but it should be not applicable. | Initial |
| 36932357 | xx | Full Review | xx | Payment History String | 0000000000000MMMMMMMMMMM | _11111111111111111111111 |  |  |  | Initial |
| 36932357 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  |  | Initial |
| 36932357 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  |  | Initial |
| 38194326 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| 38194326 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 38194326 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $294254.00 |  |  | Deferred balance amount N.A | Initial |
| 38194326 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | 74 (Days) |  | Doc date of last modification xx | Initial |
| 38194326 | xx | Full Review | xx | Loan Amortization Type | Fixed | ARM |  |  | Loan amortization type fixed | Initial |
| 38194326 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 708 | -348 | -49.15254% | Loan Original Maturity Term Months is 360. | Initial |
| 38194326 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number: xx | Initial |
| 38194326 | xx | Full Review | xx | Original Appraisal Date | Not Applicable | xx |  |  | Original Appraisal Value is Not Applicable. | Initial |
| 38194326 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | -13.46571% | original stated P&I xx | Initial |
| 38194326 | xx | Full Review | xx | Payment History String | 44444444M444444444444444 | _11666666666665666666666 |  |  | Payment History String: 444444444444444444444444 | Initial |
| 38194326 | xx | Full Review | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | purpose of refinance cash out | Initial |
| 38194326 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | purpose of transaction per HUD cash out | Initial |
| 38194326 | xx | Full Review | xx | Referral Date | Unavailable | xx |  |  | Referral date N.A | Initial |
| 38194326 | xx | Full Review | xx | Stated Remaining Term | 480 | 481 | -1 | -0.20790% | stated remaining term 480 | Initial |
| 33009478 | xx | Full Review | xx | Borrower DTI Ratio Percent | 43.219% | 55.000% | -11.781% | -11.78100% | As per the document borrower DTI Ratio percent 44.409% but tape shows 55.000%. | Initial |
| 33009478 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 33009478 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 23.773% | 22.880% | 0.893% | 0.89300% | Housing ratio per U/W is 23.773% | Initial |
| 33009478 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | As per the mortgage document MERS MIN Number updated. | Initial |
| 33009478 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00100% | As per the document original CLTV ratio percent xx but tape shows xx. | Initial |
| 33009478 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00100% | As per the document original Standard LTV xx but tape shows xx. | Initial |
| 33009478 | xx | Full Review | xx | Payment History String | 00000000000000000 | _111111111111111111 |  |  | Payment History String is 0000000 | Initial |
| 60966442 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 60966442 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN number is xx. | Initial |
| 60966442 | xx | Full Review | xx | Number Of Units | 1 | 2 | -1 | -50.00000% | Number of units is 1. | Initial |
| 60966442 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -20 (Days) |  | Original appraised date is xx. | Initial |
| 60966442 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 0.15000% | Original CLTV Ratio Percent is xx. | Initial |
| 60966442 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 0.15000% | Original standard LTV (OTLV) is xx. | Initial |
| 60966442 | xx | Full Review | xx | Payment History String | 0000000000011 | _111111111122 |  |  | Payment history string is 0000000000000011. | Initial |
| 34034068 | xx | Full Review | xx | Borrower DTI Ratio Percent | 29.529% | 29.000% | 0.529% | 0.52900% | Borrower DTI Ratio Percent is 29.529%. | Initial |
| 34034068 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 34034068 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 29.529% | 29.430% | 0.099% | 0.09900% | Housing Ratio per U/W (Initial Rate) is 29.529%. | Initial |
| 34034068 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  | MERS MIN Number is xx. | Initial |
| 34034068 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -29.81800% | Original CLTV Ratio Percent is Unavailable. | Initial |
| 34034068 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 61.09200% | Original Standard LTV (OLTV) is xx. | Initial |
| 34034068 | xx | Full Review | xx | Payment History String | 0000000000MMMMMMMMMMMMMM | _11111111111111111111111 |  |  | Payment History String is 000000000004444444444444. | Initial |
| 34034068 | xx | Full Review | xx | Stated Remaining Term | 332 | 333 | -1 | -0.30030% | Stated Remaining Term is 332. | Initial |
| 44409011 | xx | Full Review | xx | Age of Loan | 11 | 13 | -2 | -15.38461% | Age of Loan is 11. | Initial |
| 44409011 | xx | Full Review | xx | Borrower DTI Ratio Percent | 49.400% | 50.615% | -1.215% | -1.21500% | Borrower DTI ratio percent is 49.400%. | Initial |
| 44409011 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 44409011 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -18 (Days) |  | Original Appraisal date is xx. | Initial |
| 84082664 | xx | Full Review | xx | Age of Loan | 7 | 9 | -2 | -22.22222% | Age of Loan is 7 | Initial |
| 84082664 | xx | Full Review | xx | Borrower DTI Ratio Percent | 44.858% | 46.957% | -2.099% | -2.09900% | Borrower DTI Ratio percent is 44.858% | Initial |
| 84082664 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applciable | Initial |
| 84082664 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI is NOt Applicbale | Initial |
| 84082664 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -212 (Days) |  | Interest paid through date is xx | Initial |
| 84082664 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -32 (Days) |  | Original appraisal date is xx | Initial |
| 80570835 | xx | Full Review | xx | Age of Loan | 10 | 12 | -2 | -16.66666% | Age of loan is 10 | Initial |
| 80570835 | xx | Full Review | xx | Borrower First Name | Not Applicable | xx |  |  | Borrower first name is not applicable | Initial |
| 80570835 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| 80570835 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 80570835 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI is not applicable | Initial |
| 80570835 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -303 (Days) |  | Interest paid through date is xx | Initial |
| 80570835 | xx | Full Review | xx | Mortgage Type | Commercial | Conventional |  |  | Mortgage type is commercial | Initial |
| 80570835 | xx | Full Review | xx | Original Appraisal Date | xx | xx | -77 (Days) |  | Original appraisal date is xx. | Initial |
| 70995562 | xx | Full Review | xx | Age of Loan | 3 | 5 | -2 | -40.00000% | As per loan documents. | Initial |
| 70995562 | xx | Full Review | xx | Borrower First Name | Not Applicable | xx |  |  | NA | Initial |
| 70995562 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | As per loan documents. | Initial |
| 70995562 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 70995562 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 49787843 | xx | Full Review | xx | Borrower DTI Ratio Percent | 30.835% | 33.293% | -2.458% | -2.45800% | As per loan documents. | Initial |
| 49787843 | xx | Full Review | xx | Borrower First Name | Not Applicable | xx |  |  | NA. | Initial |
| 49787843 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | As per loan documents. | Initial |
| 49787843 | xx | Full Review | xx | Loan Documentation Type | Alternative | Full Documentation |  |  | As per loan documents. | Initial |
| 49787843 | xx | Full Review | xx | Mortgage Type | Commercial | Conventional |  |  | As per loan documents. | Initial |
| 85625450 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| 5843941 | xx | Full Review | xx | Borrower DTI Ratio Percent | 37.490% | 42.981% | -5.491% | -5.49100% |  | Initial |
| 5843941 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 20.588% | 23.603% | -3.015% | -3.01500% |  | Initial |
| 5843941 | xx | Full Review | xx | Payment History String | 00000000000000000 | 411111211111 |  |  | Payment history string is 000000000000. | Initial |
| 202247 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 111111111111 |  |  | Payment History String is 000000000000MMMMMMMMMMMM. | Initial |
| 8374409 | xx | Full Review | xx | Borrower DTI Ratio Percent | 57.702% | 52.269% | 5.433% | 5.43300% | Borrower DTI Ratio percent is 57.702% | Initial |
| 8374409 | xx | Full Review | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a modification change note terms is yes | Initial |
| 8374409 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 56.196% | 50.763% | 5.433% | 5.43300% | Housing ratio per U/W is 56.196% | Initial |
| 8374409 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Loan amortization type is unavailable | Initial |
| 8374409 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 7.69230% | Original appraised value is xx | Initial |
| 8374409 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -7.49400% | Origination OLTV Ratio percent is xx | Initial |
| 8374409 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -7.49400% | Original standard LTV is xx | Initial |
| 8374409 | xx | Full Review | xx | Payment History String | 00000000000 | 112222200121 |  |  | Payment history string is 00000000 | Initial |
| 8374409 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | Sales price is not applicable | Initial |
| 8374409 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated maturity date is unavailable | Initial |
| 73177649 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 111112112112 |  |  |  | Initial |
| 73177649 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | In these refinance file sales price N/A. | Initial |
| 13070873 | xx | Full Review | xx | Payment History String | 000000000000000000 | 111111111111 |  |  | Payment History String is 000000000000000000 | Initial |
| 99360091 | xx | Full Review | xx | Payment History String | 000000 | 001111110000 |  |  | Payment history string is 000000. | Initial |
| 54245808 | xx | Full Review | xx | Borrower DTI Ratio Percent | 33.135% | 31.521% | 1.614% | 1.61400% | As per loan documents.Borrower DTI ratio percent is 31.311%. | Initial |
| 54245808 | xx | Full Review | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Yes | Initial |
| 54245808 | xx | Full Review | xx | Housing Ratio per U/W (Initial Rate) | 25.394% | 24.190% | 1.204% | 1.20400% | As per loan documents. | Initial |
| 54245808 | xx | Full Review | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Unavailable | Initial |
| 54245808 | xx | Full Review | xx | Original Balance (or Line Amount) | xx | xx | xx | -1.54034% | Original balance (or line amount) is xx. | Initial |
| 54245808 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -1.32800% | Original CLTV ratio percent is xx. | Initial |
| 54245808 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -1.32800% | Original standard LTV (OLTV) is xx. | Initial |
| 54245808 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | -1.54042% | Original stated P&I is xx. | Initial |
| 54245808 | xx | Full Review | xx | Payment History String | 000000000000000000000000 | 111111111111 |  |  | Payment history string is 0000000000000000. | Initial |
| 54245808 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | Sales price (HUD-1 Line 101) is not applicable. | Initial |
| 54245808 | xx | Full Review | xx | Stated Maturity Date | Unavailable | xx |  |  | Unavailable | Initial |
| 45078933 | xx | Full Review | xx | Borrower DTI Ratio Percent | 32.547% | 33.000% | -0.453% | -0.45300% | 32.547% | Initial |
| 45078933 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 45078933 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 4.53400% | xx | Initial |
| 45078933 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.46600% | xx | Initial |
| 45078933 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | xx | Initial |
| 76522937 | xx | Full Review | xx | Borrower First Name | Not Applicable | xx |  |  | N/A. | Initial |
| 76522937 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 76522937 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | Original Note Doc Date is xx. | Initial |
| 22888458 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | As per the document, the original note doc date is xx, but the tape shows xx. | Initial |
| 51295485 | xx | Full Review | xx | Age of Loan | 44 | 45 | -1 | -2.22222% | Age of loan is 44. | Initial |
| 51295485 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | N/A. | Initial |
| 51295485 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value NA. | Initial |
| 51295485 | xx | Full Review | xx | Stated Maturity Date | xx | xx | 4870 (Days) |  | Stated maturity date is xx. | Initial |
| 51295485 | xx | Full Review | xx | Stated Remaining Term | 476 | 316 | 160 | 50.63291% | Stated remaining term is 476. | Initial |
| 51295485 | xx | Full Review | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 5952089 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 5952089 | xx | Full Review | xx | Loan Documentation Type | DSCR | Full Documentation |  |  |  | Initial |
| 5952089 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 30 | 330 | 1100.00000% | As per the document, the loan original maturity term months is 360, but the tape shows 30. | Initial |
| 5952089 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -30 (Days) |  | As per the document, The stated maturity date is xx, but tape shows xx. | Initial |
| 86876802 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | As per the document does lender G/L require MI not applicable but tape shows No. | Initial |
| 86876802 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 30 | 330 | 1100.00000% | As per the document loan original maturity term months is 360 but tape shows as 30. | Initial |
| 86876802 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -31 (Days) |  | As per the document stated maturity date is xx but tape shows as xx. | Initial |
| 13839218 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.409% | 38.849% | 3.560% | 3.56000% | Borrower DTI Ratio Percent is 59.074% | Initial |
| 13839218 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 30 | 330 | 1100.00000% | Loan Original Maturity Term Months is 360. | Initial |
| 13839218 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -31 (Days) |  | Stated Maturity Date is xx. | Initial |
| 62575185 | xx | Full Review | xx | Borrower DTI Ratio Percent | 41.161% | 54.000% | -12.839% | -12.83900% | Tape shows the borrower DTI ratio percentage. The data provided is 54%, but the audit value is 41.161%. | Initial |
| 62575185 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 30 | 330 | 1100.00000% | Tape shows the loan original maturity term in months. The data provided is 30, but the audit value is 360. | Initial |
| 62575185 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -31 (Days) |  | Tape shows the Stated maturity date data provided is xx, but the audit value is xx. | Initial |
| 97015239 | xx | Full Review | xx | Age of Loan | 11 | 13 | -2 | -15.38461% | Age of loan is 11. | Initial |
| 97015239 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.522% | 52.987% | -5.465% | -5.46500% |  | Initial |
| 97015239 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 97015239 | xx | Full Review | xx | Interest Paid Through Date | Not Applicable | xx |  |  |  | Initial |
| 97015239 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 51 (Days) |  | As per note document original note doc date is xx. | Initial |
| 30390231 | xx | Full Review | xx | Payment History String | 0000 | 0x30 |  |  | Payment History String is 0000 | Initial |
| 71854129 | xx | Full Review | xx | Borrower DTI Ratio Percent | 40.499% | 56.190% | -15.691% | -15.69100% | Tape shows 56.190% but audit value shows 40.499%. | Initial |
| 71854129 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Tape shows xx but audit value shows NA. | Initial |
| 71854129 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Tape shows No but audit value shows NA. | Initial |
| 71854129 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -212 (Days) |  | Tape shows xx but audit value shows NA. | Initial |
| 71854129 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | -0.00076% | Original Appraisal Value is Not Applicable | Initial |
| 71854129 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Tape shows xx but audit value shows xx. | Initial |
| 71854129 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | Tape shows xx but audit value shows xx. | Initial |
| 71854129 | xx | Full Review | xx | Property City | xx | xx |  |  | Tape shows xx but audit value shows xx. | Initial |
| 74531322 | xx | Full Review | xx | Age of Loan | 12 | 13 | -1 | -7.69230% | Age of loan is 12. | Initial |
| 74531322 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is NA. | Initial |
| 74531322 | xx | Full Review | xx | Interest Paid Through Date | xx | xx | -365 (Days) |  | Interest paid through date is xx. | Initial |
| 74531322 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 2.82776% | Original appraisal audit value is xx. | Initial |
| 35333119 | xx | Full Review | xx | Age of Loan | 0 | 1 | -1 | -100.00000% | Age of loan is 0 | Initial |
| 35333119 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 35333119 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 35333119 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | 0.38789% | As per appraisal doc original appraisal value is xx. | Initial |
| 35333119 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per note document property address is xx. | Initial |
| 81072296 | xx | Full Review | xx | Age of Loan | 3 | 4 | -1 | -25.00000% | As per loan documents. | Initial |
| 81072296 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 81072296 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 81072296 | xx | Full Review | xx | Original Appraised Value | xx | xx | xx | -1.71985% | As per loan documents. | Initial |
| 81072296 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | As per loan documents. | Initial |
| 81072296 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | As per loan documents. | Initial |
| 2658486 | xx | Full Review | xx | Borrower DTI Ratio Percent | 47.275% | 56.670% | -9.395% | -9.39500% | Borrower DTI ratio Percent is 47.275%. | Initial |
| 2658486 | xx | Full Review | xx | Payment History String | 00000000000 | 0x30 |  |  | As per document. | Initial |
| 33190685 | xx | Full Review | xx | Borrower DTI Ratio Percent | 42.831% | 55.270% | -12.439% | -12.43900% | Borrower DTI Ratio Percent is 0.000% | Initial |
| 33190685 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| 33190685 | xx | Full Review | xx | Payment History String | 11110000000MMMMMMMMMMMMM | 4x30 |  |  |  | Initial |
| 33190685 | xx | Full Review | xx | Subject Property Type | Mid Rise Condo (5-8 Stories) | Low Rise Condo (1-4 Stories) |  |  | Subject Property Type is Mid Rise Condo(5-8 Stories) | Initial |
| 38948910 | xx | Full Review | xx | Escrow Account Indicator | Yes | No |  |  | Tape shows Escrow Account Indicator No but Audit Value shows Yes. | Initial |
| 38948910 | xx | Full Review | xx | Payment History String | 00000000000000 | 000000000000 |  |  | Payment History String is 00000000000 | Initial |
| 32283883 | xx | Full Review | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  |  | Initial |
| 32283883 | xx | Full Review | xx | Borrower #2 First Name | Not Applicable | xx |  |  | NA. | Initial |
| 32283883 | xx | Full Review | xx | Borrower #2 Last Name | Not Applicable | xx |  |  | NA. | Initial |
| 32283883 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | As per loan documents. | Initial |
| 32283883 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | As per loan documents. | Initial |
| 32283883 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 32283883 | xx | Full Review | xx | Interest Paid Through Date | Not Applicable | xx |  |  | Interest paid through date is not applicable. | Initial |
| 32283883 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00100% | The original CLTV ratio percentage is xx. | Initial |
| 32283883 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 48 (Days) |  | Original note doc date is xx. | Initial |
| 32283883 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00100% | Original standard LTV (OLTV) is xx. | Initial |
| 32283883 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | 45.18643% | The sales price (HUD-1 line 101) is xx. | Initial |
| 13859581 | xx | Full Review | xx | Age of Loan | 4 | 5 | -1 | -20.00000% | Age of loan is 4. | Initial |
| 13859581 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | BWR name xx. | Initial |
| 13859581 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 13859581 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 13859581 | xx | Full Review | xx | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | Occupancy is secondary. | Initial |
| 13859581 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 83 (Days) |  | Note doc. xx. | Initial |
| 33101773 | xx | Full Review | xx | Age of Loan | 4 | 5 | -1 | -20.00000% |  | Initial |
| 33101773 | xx | Full Review | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #1 middle name is xx. | Initial |
| 33101773 | xx | Full Review | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| 33101773 | xx | Full Review | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 33101773 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 33101773 | xx | Full Review | xx | Occupancy at Origination (Property Usage Type) | Investor | Secondary |  |  | Occupancy at origination type as investor. | Initial |
| 33101773 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 39 (Days) |  | Note doc date is xx. | Initial |
| 14411089 | xx | Full Review | xx | Borrower DTI Ratio Percent | 37.584% | 37.000% | 0.584% | 0.58400% | Borrower DTI Ratio Percent is 37.584% | Initial |
| 14411089 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 14411089 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender is not applcable | Initial |
| 14411089 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | 1.68900% | Original CLTV Ratio Percent is xx | Initial |
| 14411089 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 1 (Days) |  | Orginal Note Doc Date is xx | Initial |
| 14411089 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | 1.68900% | Original Standard LTV is xx | Initial |
| 23453325 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original note doc date is xx. | Initial |
| 32014728 | xx | Full Review | xx | Age of Loan | 6 | 8 | -2 | -25.00000% | Age of loan is 6. | Initial |
| 32014728 | xx | Full Review | xx | Current Value | Not Applicable | xx |  |  | Current value in tape data shows xx, but audit value shows not applicable. | Initial |
| 32014728 | xx | Full Review | xx | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | Occupancy at origination as secondary. | Initial |
| 32014728 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 29 (Days) |  | Original note doc date in tape data shows xx, but audit value shows xx. | Initial |
| 42818815 | xx | Full Review | xx | Balloon Indicator | No | Yes |  |  | As per Note Doc no balloon payment; however tape data states balloon payment. | Initial |
| 42818815 | xx | Full Review | xx | Currently in Foreclosure? | Yes | No |  |  | As per collection comments FC initiate in loan. | Initial |
| 42818815 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -13 (Days) |  | As per Mod Doc last Mod on xx however tape data states xx. | Initial |
| 42818815 | xx | Full Review | xx | MERS MIN Number | xx | xx |  |  |  | Initial |
| 42818815 | xx | Full Review | xx | Modification Original P&I | xx | xx | xx | -7.51023% | As per Mod Doc P&I is xx; however tape data states xx | Initial |
| 42818815 | xx | Full Review | xx | Modification Original Rate | 4.625% | 5.000% | -0.375% | -0.37500% | As per Mod Doc rate is 4.62500%; however tape data states 5.000% | Initial |
| 42818815 | xx | Full Review | xx | Original Note Doc Date | xx | xx | 13 (Days) |  | As per Note Doc date is xx; however tape data states xx | Initial |
| 42818815 | xx | Full Review | xx | Payment History String | 444444321444 | 232333333333345000000000 |  |  | As per payment history string is 44444321444; however tape data states 2323333333334500000000 | Initial |
| 42818815 | xx | Full Review | xx | Payment History String Reversed | 444123444444 | 000000000343333333323232 |  |  | As per payment history string is 44444321444; however tape data states 2323333333334500000000 | Initial |
| 42818815 | xx | Full Review | xx | Purpose of Transaction per HUD-1 | Purchase | Refinance |  |  | As per final HUD-1 this is Purchase transaction; however tape data sates refinance. | Initial |
| 42818815 | xx | Full Review | xx | Purpose Per Application | Purchase | Refinance |  |  | As per final HUD-1 this is Purchase transaction; however tape data sates refinance. | Initial |
| 64197038 | xx | Full Review | xx | Bankruptcy Filing Date | xx | xx | -56 (Days) |  | BK filing date is xx; however the tape data shows xx. | Initial |
| 64197038 | xx | Full Review | xx | Mod Maturity Date | Not Applicable | xx |  |  | Loan was not modified since from origination still the tape data shows mod maturity date of xx. | Initial |
| 64197038 | xx | Full Review | xx | Modification First Payment Date | Not Applicable | xx |  |  | Mod first payment date is N/A; however the tape data shows xx. | Initial |
| 64197038 | xx | Full Review | xx | Original Stated P&I | xx | xx | xx | -30.34357% | Original stated P&I is xx; however the tape data shows xx. | Initial |
| 64197038 | xx | Full Review | xx | Payment History String | 444444444444 | 33333333333333333 |  |  | Payment history string is 444444444444; however the tape data shows 33333333333333333333. | Initial |
| 64197038 | xx | Full Review | xx | Payment History String Reversed | 444444444444 | 33333333333333333 |  |  | Payment history string reversed is 444444444444; however the tape data shows 33333333333333333333. | Initial |
| 64197038 | xx | Full Review | xx | Property City | xx | xx |  |  | Property City is xx; however the tape data shows xx | Initial |
| 64197038 | xx | Full Review | xx | Referral Date | xx | xx | 1 (Days) |  | Referral date is xx; however the tape data shows xx. | Initial |
| 64197038 | xx | Full Review | xx | Total Debt / Legal Balance per Payment History | $456894.11 | $507976.69 | $-51082.58 | -10.05608% | Total debt balance per payment history is $XX; however the tape data shows $XX. | Initial |
| 31965587 | xx | Full Review | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | As per PACER report, the Bankruptcy was filed. However, the tape data reflects No. | Initial |
| 31965587 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -31 (Days) |  | The last Mod on xx. | Initial |
| 31965587 | xx | Full Review | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  | The Appraisal report and Application is missing from the loan file, However tape data reflects Full Documentation. | Initial |
| 31965587 | xx | Full Review | xx | Neg. Amort Potential? | Not Applicable | No |  |  | No Discrepancy. | Initial |
| 31965587 | xx | Full Review | xx | Original Stated Rate | 9.16000% | 6.00000% | 3.16000% | 3.16000% | As per note, originally stated rate is 9.16%. however, the tape data reflects 6.0%. | Initial |
| 31965587 | xx | Full Review | xx | Payment History String | 444444444444 | 666BBB99999999999FF9XXXX |  |  | As per payment history string is 444444444444 However, the tape data reflects string is 666BBB999999999999FF9XXXX | Initial |
| 31965587 | xx | Full Review | xx | Payment History String Reversed | 444444444444 | XXXX9FF99999999999B6B666 |  |  | As per payment history string reversed is 444444444444 However, the tape data reflects string is XXXX9FF9999999999999B6B66 | Initial |
| 23485945 | xx | Full Review | xx | Bankruptcy Filing Date | xx | xx | 476 (Days) |  | According to the tape data Bankruptcy filing date is xx and as per the data provided to us it is xx. | Initial |
| 23485945 | xx | Full Review | xx | Current Bankruptcy Chapter | Chapter 13 | Chapter 7 |  |  | According to the tape data Bankruptcy Chapter 7 and as per the data provided to us it is Chapter 13. | Initial |
| 23485945 | xx | Full Review | xx | Current Legal Status | Collections | Collections, 60-119 Days |  |  | According to the tape data Current Legal Status Collections, 60-119 Days and as per the data provided to us it in foreclosure. | Initial |
| 23485945 | xx | Full Review | xx | Currently in Foreclosure? | Yes | No |  |  | According to the tape data Currently in Foreclosure is No and as per the data provided to us it is Yes. | Initial |
| 23485945 | xx | Full Review | xx | Deferred Balance Amount | $8674.31 | $9152.65 | $-478.34 | -5.22624% | According to the tape data deferred Balance Amount is $9,152.65 and as per the data provided to us it $8,674.31. | Initial |
| 23485945 | xx | Full Review | xx | Deferred Principal (Modification) per Payment History | $8674.31 | $9152.65 | $-478.34 | -5.22624% | According to the tape data deferred Principal (Modification) per payment history is $9,152.65 and as per the data provided to us it $8,674.31. | Initial |
| 23485945 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -26 (Days) |  | According to the tape data Doc Date of Last Modification is xx and as per the data provided to us it is xx. | Initial |
| 23485945 | xx | Full Review | xx | Escrow Balance per Payment History | $-1741.15 | $-623.30 | $-1117.85 | 179.34381% | According to the tape data Escrow Balance per payment History is ($623.30 and as per the data provided to us it is $1,741.15. | Initial |
| 23485945 | xx | Full Review | xx | Mod Step 1 Date | xx | xx | -1795 (Days) |  | According to the tape data Mod Step 1 Date is xx and as per the data provided to us it is xx. | Initial |
| 23485945 | xx | Full Review | xx | Mod Step 1 P&I | xx | xx | $-64.33 | -10.23613% | According to the tape data Mod Step 1 P&I is xx and as per the data provided to us it is xx. | Initial |
| 23485945 | xx | Full Review | xx | Mod Step 1 Rate | 4.500% | 5.350% | -0.850% | -0.85000% | According to the tape data Mod Step 1 Rate is 5.350 % and as per the data provided to us it is 4.500 %. | Initial |
| 23485945 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -0.00400% | as per the related doc the original CLTV is xx however tape reflects as xx . | Initial |
| 23485945 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -0.00400% | According to the tape data Original Standard LTV (OLTV) is xx and as per the data provided to us it is xx. | Initial |
| 23485945 | xx | Full Review | xx | Payment History String | 444400110000 | 321000100000009999999999 |  |  | According to the tape data Payment History String reversed is 32100010000000999999999 and as per the data provided to us it is 444400110000. | Initial |
| 23485945 | xx | Full Review | xx | Payment History String Reversed | 000011004444 | 999999999000000001010123 |  |  | According to the tape data Payment History String reversed is 999999999000000001010123 and as per the data provided to us it is 000011004444. | Initial |
| 23485945 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | According to the tape data Street Address is xx and as per the data provided to us it is xx. | Initial |
| 23485945 | xx | Full Review | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | The purpose of transaction is refinance however tape reflects the sale price as xx. | Initial |
| 10418409 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Did not use for review. | Initial |
| 10418409 | xx | Full Review | xx | Mod Maturity Date | Not Applicable | xx |  |  | Did not use for review. | Initial |
| 10418409 | xx | Full Review | xx | Payment History String | 444444444444 | 000000000000000000000000 |  |  | Payment history string is 444444444444. | Initial |
| 10418409 | xx | Full Review | xx | Payment History String Reversed | 444444444444 | 000000000000000000000000 |  |  | Payment history string reversed is 444444444444. | Initial |
| 10418409 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | As per the note document the property address street is xx | Initial |
| 99296260 | xx | Full Review | xx | Amortization Term Months (CE, S&P) | 360 | 314 | 46 | 14.64968% | Amortization Term Month (CE, S&P)is 360 however the tape data shows it 314 | Initial |
| 99296260 | xx | Full Review | xx | Deferred Balance Amount | Not Applicable | $736.68 |  |  |  | Initial |
| 99296260 | xx | Full Review | xx | Doc Date of Last Modification | xx | xx | -17 (Days) |  | Doc Date of Last Modification is xx however the tape data shows it xx | Initial |
| 99296260 | xx | Full Review | xx | Escrow Advance Balance per Payment History | $1002.23 | $0.00 | $1002.23 |  |  | Initial |
| 99296260 | xx | Full Review | xx | Escrow Balance per Payment History | $0.00 | $796.92 | $-796.92 | -100.00000% | Escrow balance per Payment History is $0.00however the tape data shows it $xx. | Initial |
| 99296260 | xx | Full Review | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| 99296260 | xx | Full Review | xx | Loan Amortization Type | Step | Fixed |  |  |  | Initial |
| 99296260 | xx | Full Review | xx | Loan Original Maturity Term Months | 360 | 314 | 46 | 14.64968% | Laon Original Maturity Term Months are 360 month however the tape data shows it 314. | Initial |
| 99296260 | xx | Full Review | xx | Mod Step 1 Date | xx | xx | -2160 (Days) |  | Mod Step n1 Data is xx however the tape data shows it xx. | Initial |
| 99296260 | xx | Full Review | xx | Mod Step 1 Rate | 5.560% | 7.560% | -2.000% | -2.00000% | Mod Step 1 Rate is 5.560% however the tape data shows it 7.560% | Initial |
| 99296260 | xx | Full Review | xx | Mod Step 2 Date | xx | xx | -699 (Days) |  | mod Step 2 Date is xx however the tape data shows it xx. | Initial |
| 99296260 | xx | Full Review | xx | Mod Step 2 Rate | 6.560% | 8.060% | -1.500% | -1.50000% | Mod Step 2 Rate is 6.560% however the tape data shows it 8.060% | Initial |
| 99296260 | xx | Full Review | xx | Original CLTV Ratio Percent | xx | xx | xx | -2.52400% | Original CLTV Ratio percent is xx however the tape data shows it xx | Initial |
| 99296260 | xx | Full Review | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | Original Note Doc Date is xx however the tape data shows it xx. | Initial |
| 99296260 | xx | Full Review | xx | Original Standard LTV (OLTV) | xx | xx | xx | -2.52400% | Origianl Standard LTV (OLTV) is xx however the tape data shows it xx. | Initial |
| 99296260 | xx | Full Review | xx | Original Stated Rate | 8.80000% | 8.06000% | 0.74000% | 0.74000% | Original Stated Rate is 8.8000% however the tape data shows it 8.0600% | Initial |
| 99296260 | xx | Full Review | xx | Payment History String | 000010100011 | C1CC11C11C111111111C1111 |  |  | payment History String is 000010100011 however the tape data shows it c1cc11c11c111111111c11 | Initial |
| 99296260 | xx | Full Review | xx | Payment History String Reversed | 110001010000 | 1111C111111111C11C1CCC1C |  |  | Payment history string reversed is 110001010000 however the tape data shows it 111c111c1c1ccccccc1. | Initial |
| 99296260 | xx | Full Review | xx | Purpose of Refinance Per Application | No Cash-Out | Lower rate or term |  |  |  | Initial |
| 99296260 | xx | Full Review | xx | Stated Maturity Date | xx | xx | -62 (Days) |  |  | Initial |
| 99296260 | xx | Full Review | xx | Unpaid Current Principal Balance (UPB) per Payment History | xx | xx | xx | -0.17617% |  | Initial |
| 77007757 | xx | Full Review | xx | Current Bankruptcy Status | Plan Confirmed (Ch. 11, 13) | Proof of Claim - Filed |  |  | As per the PACER, the current bankruptcy status is plan confirmed (Ch 11.13), However, tape showing is Proof of claim filed. | Initial |
| 77007757 | xx | Full Review | xx | Current Occupancy | Occupied by Unknown Party | Owner (or Former): Primary Home |  |  | As per the property inspection report dated on 5/XX/2017, the current occupancy is unknown party, However, tape reflect is owner (or Former) primary home. | Initial |
| 77007757 | xx | Full Review | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | No discrepancy | Initial |
| 77007757 | xx | Full Review | xx | Escrow Advance Balance per Payment History | $3944.36 | $4817.94 | $-873.58 | -18.13181% | As per the latest payment history, the escrow advance balance is $XX, However tape showing $XX | Initial |
| 77007757 | xx | Full Review | xx | Loan Documentation Type | Unavailable | Full Documentation |  |  |  | Initial |
| 77007757 | xx | Full Review | xx | Payment History String | 444444432144 | 999999999999 |  |  | As per the latest payment history, the string is 444444444444, However, tape showing is 999999999999 | Initial |
| 77007757 | xx | Full Review | xx | Payment History String Reversed | 441234444444 | 999999999999 |  |  | As per the latest payment history, the string reversed is 444444444444, However, tape showing is 999999999999 | Initial |
| 77007757 | xx | Full Review | xx | Property Address Street | xx | xx |  |  | No discrepancy | Initial |
| 77007757 | xx | Full Review | xx | Stated Remaining Term | 273 | 260 | 13 | 5.00000% | As per the note, the stated remaining term is 273, However, tape reflects 260 | Initial |
| 77007757 | xx | Full Review | xx | Total Debt / Legal Balance per Payment History | $208260.34 | $170834.90 | $37425.44 | 21.90737% | As per the latest payment history, the total debt is $XX, However, tape reflects is $XX | Initial |
| 77007757 | xx | Full Review | xx | Unpaid Current Principal Balance (UPB) per Payment History | xx | xx | xx | -0.67259% | As per the latest payment history, the UPB is xx, However, tape reflects is xx | Initial |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Review Type** | **Loan #2** | **Delinquent Tax** |
| 10418409 | xx | Full Review | xx | $3752.95 |
| 17546819 | xx | Full Review | xx | $582.05 |
| 18480992 | xx | Full Review | xx | $150.66 |
| 19724366 | xx | Full Review | xx | $619.00 |
| 24326020 | xx | Full Review | xx | $3019.11 |
| 30942786 | xx | Full Review | xx | $10712.88 |
| 3138367 | xx | Full Review | xx | $10.00 |
| 34495642 | xx | Full Review | xx | $774.07 |
| 36616793 | xx | Full Review | xx | $2146.53 |
| 3713966 | xx | Full Review | xx | $204.66 |
| 38797513 | xx | Full Review | xx | $0.45 |
| 38948910 | xx | Full Review | xx | $149.06 |
| 42563086 | xx | Full Review | xx | $1843.02 |
| 44103608 | xx | Full Review | xx | $1496.66 |
| 44197074 | xx | Full Review | xx | $88.54 |
| 45223881 | xx | Full Review | xx | $1224.83 |
| 45861332 | xx | Full Review | xx | $2301.47 |
| 53793807 | xx | Full Review | xx | $2367.28 |
| 57343810 | xx | Full Review | xx | $4463.03 |
| 57370727 | xx | Full Review | xx | $17289.19 |
| 59148084 | xx | Full Review | xx | $260.33 |
| 5952089 | xx | Full Review | xx | $14.76 |
| 62575185 | xx | Full Review | xx | $1825.11 |
| 63818890 | xx | Full Review | xx | $453.53 |
| 69025683 | xx | Full Review | xx | $673.81 |
| 71391026 | xx | Full Review | xx | $4192.60 |
| 73298876 | xx | Full Review | xx | $793.08 |
| 73791171 | xx | Full Review | xx | $4902.21 |
| 77007757 | xx | Full Review | xx | $240.17 |
| 80392639 | xx | Full Review | xx | $3584.31 |
| 82536029 | xx | Full Review | xx | $16.47 |
| 83977130 | xx | Full Review | xx | $673.81 |
| 86827273 | xx | Full Review | xx | $18508.62 |
| 89202876 | xx | Full Review | xx | $1340.75 |
| 91991097 | xx | Full Review | xx | $4476.31 |
| 93491709 | xx | Full Review | xx | $1121.00 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Review Type** | **Loan #2** | **Property State** | **Total HOA Lien Amount** |
| 51376445 | xx | Full Review | xx | New Jersey | xx |
| 19836704 | xx | Full Review | xx | Florida | xx |
| 59418757 | xx | Full Review | xx | New Jersey | xx |
| 80392639 | xx | Full Review | xx | Maryland | xx |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Review Type** | **Loan #2** | **Property State** | **Total Muni and Code Lien Amount** |
| 80392639 | xx | Full Review | xx | Maryland | xx |
| 59426649 | xx | Full Review | xx | Pennsylvania | xx |
| 14679119 | xx | Full Review | xx | Maryland | xx |
| 16119274 | xx | Full Review | xx | Illinois | xx |
| 64197038 | xx | Full Review | xx | Pennsylvania | xx |
| 93187727 | xx | Full Review | xx | Missouri | xx |
| 98478217 | xx | Full Review | xx | New Jersey | xx |
| 98914713 | xx | Full Review | xx | Nevada | xx |
| 85205751 | xx | Full Review | xx | Illinois | xx |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

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| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **Loan Details** | **General Comments** | **General Comments** | **General Comments** | **General Comments** | **Missing Documents** | **Tape Discrepancies** | **Grading and Exceptions** | **Grading and Exceptions** | **Grading and Exceptions** | **Grading and Exceptions** | **Grading and Exceptions** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **ComplianceEase** | **Current Value Information** | **Current Value Information** | **Current Value Information** | **Current Value Information** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Credit History** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** | **Updated Credit Report Information** |  |
| **Redacted ID** | **Loan #1** | **Review Type** | **Loan #2** | **Loan #3** | **Loan #4** | **Project Name** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Co-Borrower Last Name** | **Co-Borrower First Name** | **Address** | **City** | **State** | **Zip** | **Mailing Address** | **Mailing City** | **Mailing State** | **Mailing Zip** | **Original Lender** | **Loan Modified** | **Property Owner Same As Borrower** | **Chain of Assignment Complete** | **Current Lien Position** | **Judgment** | **Delinquent Tax** | **Total Tax** | **Last Payment** | **Foreclosure Case** | **Contested** | **Foreclosure Delay** | **Bankruptcy Chapter** | **Bankruptcy Case #** | **BK Cramdown** | **BK Reaffirmation** | **Original Loan Amount** | **I/O Interest Payment** | **Payment Amount per Note** | **Original Rate** | **Original Term** | **Amortized Term** | **Settlement Date** | **Disbursement Date** | **Cash Out Amount** | **Loan Type** | **Amortization Type** | **I/O Period** | **Loan Purpose** | **Original LTV** | **Original CLTV** | **ComplianceEase Doc Type** | **Mortgage Insurance Cert in File** | **MI Company** | **MI Cert #** | **MI Coverage Percentage** | **Borrower Monthly Income** | **Co-Borrower Monthly Income** | **Contract Sales Price** | **Property Type** | **Original Appraisal Date** | **Appraised Value** | **Occupancy (stated on 1003)** | **Flood Cert in File?** | **Life of Loan Flood Cert?** | **Property in a Flood Zone?** | **Borrower Original FICO** | **Co-Borrower Original FICO** | **DTI** | **Lien Position at Origination** | **Title Evidence** | **Senior Lien Amount** | **Junior Lien Amount** | **Date of Last MOD** | **Principal Balance Stated in MOD** | **Deferred Balance (Mod)** | **MOD Original Rate** | **MOD Original P&I** | **MOD First Payment Date** | **Reason for MOD** | **Title** | **Payment** | **Servicing** | **Mod Comments** | **Missing Documents** | **Tape Discrepancies** | **Guideline Grade (Non-ComplianceEase)** | **Grade 4 Exceptions (Reject / Non-curable)** | **Grade 3 Exceptions (Conditions / Curable)** | **Grade 2 Exceptions (Warnings)** | **Grade 1 Exceptions (Notices / Informational)** | **Overall Risk Indicator** | **HOEPA** | **TILA** | **RESPA** | **State and Local Predatory** | **State Regs** | **Exceptions** | **TRID Tolerance** | **Additional Valuation #1** | **Additional Valuation #2** | **Unrepaired Property Damage** | **Property Damage Amount $** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Bankruptcy (Pre-Origination)** | **Bankruptcy Chapter** | **Bankruptcy Discharge Date** | **Mos Credit Reestablished** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Total Payments Revolving Debt** | **Total Payments Installment Debt** | **Borrower Updated FICO** | **Co-Borrower Updated FICO** |  |
| 50221095 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7963.44 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2494.45 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 709 | Not Applicable | 14.798% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx/xx/2022 and was recorded on xx/xx/2022 in the amount of xx<br> No active judgments or liens were found.<br> The town taxes for 2024 have been paid in the total amount of $3,981.6.<br> The sewer charges for 2024 are due in the amount of $99.82 on xx/xx/2024.<br> The water charges for 2024 are delinquent in the amount of $162.62 which are payable through xx/xx/2024.  | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,493.54, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,494.45 with an interest rate of 5.990%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,493.54 which was applied for the due date of xx/xx/2024. The current monthly P & I is $2,494.45 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR2 has been SE for 6.5 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is as is, but the stairs to the second floor and stairs to the basement need to be repainted. The basement toilet and shower are in poor condition. 1004D, or inspection report, is missing from the loan documents. Final CD does not reflect any escrow holdback." | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the state regulations for the first lien prohibited fees test.<br> The below fees were included in the test:<br> Attorney Fees paid by Borrower: $1,250.00<br> Title CPL paid by Borrower: $75.00<br> Title Service Fee paid by Borrower: $150.00."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceeds fees threshold of xx over by +$971.61. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $1,595.00<br> Points - Loan Discount Fee paid by Borrower: xx<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged xx Exceeds Fees threshold of xx Over by +$971.61. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $1,595.00<br> Points - Loan Discount Fee paid by Borrower: xx" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 14.79%. The tape shows SE income and employment misrepresentation by the BWR. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2022, and the 3-year SOL is active. BWR2 has been SE for 6.5 years at XXX xx, xx, and $123K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 does not reflect Points loan discount fee. CD dated xx/xx/2022 reflects Points loan discount fee at xx. This is an increase in fee of xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2022 and the 1-year SOL is expired."<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 719 | Not Applicable |  |
| 27113785 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1095.78 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1771.58 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 758 | 814 | 39.249% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2023 with the lender xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024-2025 is due in the amount of $275.88 on xx/xx/2024.<br> The second installment of county taxes for 2024-2025 is due in the amount of $273.30 on xx/xx/2024.<br> The third installment of county taxes for 2024-2025 is due in the amount of $273.30 on xx/xx/2025.<br> The fourth installment of county taxes for 2024-2025 is due in the amount of $273.30 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.  | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of PITI $1,967.28 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,771.58 with an interest rate of 7.375%. The current UPB is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been initiated.<br> No post-closing bankruptcy record has been found.<br> No evidence related to the occupancy or current condition of the subject property has been found in the loan file. CCs do not show any damage. <br> BWR1 has 4 years on the job asxx at xx.<br> BWR2 has 29.83 years on the job asxx at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $7,761.00 exceeds fees threshold of $7,412.94 over by +$348.06. <br>The below fees were included in the test:<br>Points - Loan Discount Fee paid by Borrower: $5,771.00<br> Processing Fee paid by Borrower: $995.00<br> Underwriting Fee paid by Borrower: $995.00"<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $7,761.00 exceeds fees threshold of $7,412.94 over by +$348.06. <br>The below fees were included in the test:<br>Points - Loan Discount Fee paid by Borrower: $5,771.00<br> Processing Fee paid by Borrower: $995.00<br> Underwriting Fee paid by Borrower: $995.00"<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 39.24%. The tape shows the borrower was not employed at closing. Further details were not provided. Borrower defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has been an employee at XXX for 4 years, and BWR2 has been an employee at XXXX for 29 years, with a FICO of 758 and $21K equity in the subject." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 779 | 781 |  |
| 31324657 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1600.80 | 08/04/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1779.02 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 709 | Not Applicable | 20.817% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of xx<br> No active judgments or liens were found.<br> The first installment of county taxes for 2023-24 was paid in the amount of $803.90 on xx/xx/2024.<br> The second installment of county taxes for 2023-24 is due in the amount of $796.90 on xx/xx/2024.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,039.44 which was applied to the due date of xx/xx/2024. The current P&I is $1,779.02 and the interest rate is 8.125%. The current UPB reflected as per the payment history is xx‬. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx‬.<br> As per the comment dated xx/xx/2024, the reason for default is unemployment.<br> As per the comment dated xx/xx/2024, the subject property is owner occupied.<br> No evidence of damage or repair was found. <br> No foreclosure activity has been found.<br> BWR has 5 months on the job as axx. BWR has switched multiple jobs within 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Seller's tape shows loan was EPD. BWR made payments and loan is now current. The first payment was due on xx/xx/2024. As per the payment history, the loan was 2X30 delinquent. As per the PH as of xx/xx/2024, the BWR is current with the loan and the next due date is xx/xx/2024, and the current UPB is xx."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 59426649 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $3506.50 | 09/05/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4162.63 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 711 | 706 | 49.916% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 with xx<br> There are 6 code enforcement liens against subject property in favor of the xx in the total amount of xx, which is recorded on different dates.<br> There are 2 prior judgments (landlord tenant complaint) against borrower xx. Office of Administrative Review - Code Unit in the total amount of $6,658.04 recorded on xx/xx/2019 and xx/xx/2015.<br> There are various multiple judgments in the total amount of xx recorded on different dates. The name mentioned on the supporting document is not consistent with the subject borrower's name. <br> Annual city taxes for 2024 have been paid. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,972.07, which was applied for the due date of xx/xx/2024. The current P&I is $4,162.63 with an interest rate of 6.875%. The current UPB is xx. | Collections Comments:The loan is performing. <br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx. <br> The loan has never been modified since its origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 5.08 years on the job as a claims specialist with XXX.<br> BWR2 has 4.58 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 49.91%. Tape shows lender did not verify lease on departing residence. Further details were not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 5.08 years on the job as a claims specialist with the xx, and BWR2 has 4.58 years on the job as axx withxx, FICO 706, 0X30 since inception, and $33K equity in the subject." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Pennsylvania license validation test."<br> \* Final Application Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final application reflects the BWR2 employer name asxx, and a review of the file shows income documents, and VOE shows a different employer name asxx<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 713 | 679 |  |
| 25803003 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2416.48 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2091.23 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 98.800% | Full Documentation | Yes | xx | xx | 16.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 764 | Not Applicable | 49.726% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with the lenderxx as nominee for xx xxg for the amount of xx<br> There is a junior mortgage that was originated on xx/xx/2024 and recorded on xx/xx/2024 with the lender "xx" for the amount of xx.<br> There are two prior judgments active against the subject borrower in the total amount of $1,774.90 in favor of different plaintiffs recorded on xx/xx/2020 and xx/xx/2023. <br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,732.02 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $2,091.23 and the interest rate is 8.000%.<br>| Collections Comments:The loan is currently performing and the next due date is xx/xx/2024.<br> The last payment was received on xx/xx/2024 in the amount of $2,732.02 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. <br> The loan has not been modified. <br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has 17.75 years on the job as anxx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject was approved as OO. Tape shows subject is NOO as BWR never occupied the property. Further details were not provided. Elevated for client review." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TRID disclosure delivery date validation test due to the revised loan estimate delivery date is on the initial closing disclosure delivery date."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the revised loan estimate delivery date test due to the revised loan estimate delivery date is on the initial closing disclosure delivery date."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 49.72%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 17.75 years on the job as anxx, FICO 764, and $15K equity in the subject."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.495% exceeds APR threshold of 8.260% over by +0.235%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). <br>Loan fails Qualified Mortgage Safe Harbor Threshold Test APR Calculated 8.470% APR Threshold 8.260% Over By +0.210%. The subject loan is escrowed." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 767 | Not Applicable |  |
| 85774183 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6421.56 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3345.62 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 773 | 745 | 48.342% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2023 with the lender, xx which was recorded on xx/xx/2023.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for the year 2023 were paid in the amount of $3210.78 on xx/xx/2023 and xx/xx/2024 respectively. | As per the payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,194.54 (PITI) which was applied to the due date of xx/xx/2024. The current P&I is $3,345.62 and the interest rate is 6.625%. The UPB is xx.  | Collections Comments:The loan is performing.<br> As per the payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The UPB is xx. <br> No evidence of damage or repair was found. <br> No foreclosure activity has been found. <br> No post-close BK records were found. <br> BWR has 5 months on the job asxx, and BWR has been SE for 2.5 years on his 2nd job atxx.<br> BWR2 has 11 months on the job asxx. BWR2 has prior employment experience as xx between xx/xx/2020 and xx/xx/2021 for 1.33 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Seller's tape shows "loan has 0x30 days performance history since origination". As per the payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The UPB is xx." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 48.34%. The tape shows the BWR2 was not employed prior to closing. Further details are not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 5 months on the job asxx, and BWR has been SE for 2.5 years on his 2nd job atxx. BWR2 has 11 months on the job as axx, FICO 745, and $30K equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 776 | 742 |  |
| 42563086 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $1843.02 | $7123.41 | xx | Unavailable | Unavailable | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $1400.70 | $1783.02 | 6.175% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 100.000% | 100.000% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 01/01/2023 | $319500.00 | Not Applicable | 6.500% | $2019.46 | 01/01/2023 | Financial Hardship | As per review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2005 in the amount of xx with xx and it was recorded on xx/xx/2005.<br> There is a junior mortgage that originated on xx/xx/2007 in favor of "xx" in the amount of xx which was recorded on xx/xx/2007.<br> No active judgments or liens found<br> The 3rd and 4th installments of county taxes for 2024 were paid in the amount of $3,501.63 on xx/xx/2024.<br> The 1st installment of county taxes for 2025 is delinquent in the amount of $1,843.02, which was good through xx/xx/2024.<br> The 2nd installment of county taxes for 2025 is due on xx/xx/2024 in the amount of $1,780.85.<br> The utility charges for 2024 are due in the amount of $151.55 on xx/xx/2024. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,019.46 which applied for xx/xx/2024. The current P&I is $2,019.46 with an interest rate of 6.500%. The UPB as of the date mentioned in the updated payment history is xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The current P&I is $2,019.46 with an interest rate of 6.500%. The UPB as of the date mentioned in the updated payment history is xx.<br> The loan modification agreement was made between the borrower and lender on xx/xx/2023.<br> The foreclosure was initiated in 2022 with the loan. As per the comment dated xx/xx/2022, the FC was put on hold due to trial modification. Later, the loan was modified on xx/xx/2023 and foreclosure action has been cancelled.<br> No bankruptcy-related details have been found.<br> As per the latest BPO report dated xx/xx/2024, the subject property is owner-occupied and in average condition.<br> Information regarding the damage and repair is not available in the latest servicing comments.<br> Foreclosure Comments:The foreclosure was initiated in 2022 with the loan. As per the comment dated xx/xx/2022, the FC was put on hold due to trial modification. Later, the loan was modified on xx/xx/2023 and foreclosure action has been cancelled.<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made between the borrower and lender on xx/xx/2023. The new modified rate is 6.500% and borrower promises to pay the P&I of $2,019.46 which began on xx/xx/2023. The new principal balance is xx0. The interest bearing amount is xx and the maturity date is xx/xx/2052. | Affiliated Business Disclosure<br> Credit Application<br> Credit Report<br> Final Truth in Lending Discl.<br> Good Faith Estimate<br> HUD-1 Closing Statement<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Prepayment Penalty Rider<br> Right of Rescission | xx | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is from the state xx which has unlimited assignee liability for state high cost and we are unable to test compliance due to missing HUD." | \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan documents."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final good faith estimate is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan documents. Zillow search does not show an estimated value. Current UPB $313K."<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Prepayment rider is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 570 | 586 |  |
| 80392639 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | Other | xx | $3584.31 | $7168.62 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2133.80 | 2.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 663 | Not Applicable | 54.234% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2021 in the amount of xxwith MERS as nominee for xx.<br> There is a utility lien on the subject property in favor ofxx, in the amount of $1,082.90, which was recorded on xx/xx/2024.<br> There is a HOA lien on the subject property in favor ofxx. in the amount of $5,218.00, which was recorded on xx/xx/2022.<br> There are 2 civil judgments found against the borrower in the total amount of $300.00 filed by different plaintiffs, which were recorded on xx/xx/2021 and xx/xx/2023.<br> The 2nd of county taxes for 2024 has been due in the amount of $3,584.31 on xx/xx/2024.<br> The 1st of county taxes for 2024 is past due (under 30 days) in the amount of $3,584.31 on xx/xx/2024.<br> The annual county taxes for 2023 were paid in the amount of $7,009.67 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,082.80, which was applied for the due date of xx/xx/2024. The current P&I is $2,133.80 with an interest rate of 2.50%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per comment dated xx/xx/2023, the borrower made the first FB payment on xx/xx/2023.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2022, the borrower's income has been impacted due to the COVID-19 pandemic.<br> The loan was originated on xx/xx/2020, and the COVID-19 attestation is located atxx<br> As per the servicing comment dated xx/xx/2022, trial modifications were offered to the borrower, which started on xx/xx/2023 to xx/xx/2023.<br> BWR has 2.58 years on the job asxx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows loan was not insurable by FHA due to default noted onxx. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2020 reflects Credit Report Fee at $61.00. Final CD dated xx/xx/2020 reflects Credit Report Fee at $262.00. This is an increase in fee of +$201.00 for charges that cannot increase. Subject loan is a purchase, originated on xx/xx/2020, and the 1-year SOL has expired."<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension found."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Home loan toolkit is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 54.23%, as the borrower's income is $7,940.14 and total expenses are in the amount of $4,306.27 and the loan was underwritten byxxand its recommendation is accept with a DTI of 54.23%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 548 | Not Applicable |  |
| 86419025 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $706.07 | 7.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 91.932% | 91.932% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 648 | 596 | 56.278% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx with MERS as nominee for xx with instrument # xx. No active judgment or lien has been found. No prior year's tax details have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,106.22 which was applied for the due date of xx/xx/2024. The current monthly P&I is $706.07 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has 1 month on the job asxx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Pennsylvania license validation test due to the Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be<br> licensed, effective November 5th, 2008."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID Violation due to decrease in lender credit on Closing Disclosure dated xx/xx/2024. Initial LE dated xx/xx/2024 reflects lender credit at $125.00, Revised CD dated 0xx/xx/2024 reflects Lender Credit at $0.00. This is decrease of +$125.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document. The subject loan is a purchase case that originated on xx/xx/2024, and the 1-year SOL is active."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 does not reflect Points - Loan Discount Fee and Appraisal Re-Inspection Fee. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at +$231.61 and Appraisal Re-Inspection Fee at +$200.00. This is an increase in fee of $431.61 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is uninsurable as the closing costs of $XX exceed 20% of the appraised value of xx. Final CD reflects a gift of equity of $XX to compensate the closing costs of xx on the subject loan. Further details not provided. Zillow search shows an estimated value of $XX. Current UPB $XX."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA mortgage insurance certificate is missing from loan documents." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 67025928 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10631.78 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3096.22 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 786 | Not Applicable | 49.163% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with the lender MERS as nominee for xx. for the amount of xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for 2023 were paid in the amount of xx.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,596.95 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $3,096.22 and the interest rate is 6.625%. | Collections Comments:The loan is currently performing and the next due date is xx/xx/2024.<br> The last payment was received on xx/xx/2024 in the amount of $5,596.95 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has 1 month on the job as xx. BWR has prior employment experience as a xx between xx/xx/2022 and xx/xx/2023 for 1 year. BWR also has prior employment experience as axx, between xx/xx/2008 and xx/xx/2021 for 13.91 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject was approved as OO. Tape shows property is NOO. Further details not provided. Elevated for client review." | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged xx exceeds fees threshold of xx over by +$3,421.43. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $2,417.75<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $1,195.00<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged xx exceeds fees threshold of xx over by +$3,421.43. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $2,417.75<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $1,195.00" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 49.55%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Tape further shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 1 month on the job as a xx. BWR has prior employment experience as axx between xx/xx/2022 and xx/xx/2023 for 1 year. FICO 786, and $33K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase test. Initial LE dated xx/xx/2023 reflects Points - Loan Discount Fee at xx. Final CD dated 0xx/xx/2023 reflects Points - Loan Discount Fee at xx. This is an increase of $2,495.36 for charges that cannot increase. Subject loan is a purchase, originated on xx/xx/2023, and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 693 | Not Applicable |  |
| 89235971 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4407.81 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1264.29 | 4.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 66.753% | 66.753% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 629 | Not Applicable | 33.500% | First | Short Form Policy | Not Applicable | Not Applicable | 02/01/2024 | $259325.18 | Not Applicable | 4.250% | $1124.49 | 03/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with the lender MERS as nomine for xx for the amount of xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The first installment of county taxes for 2024 was paid in the amount of $4,407.81.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,856.21 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $1,124.49 and the interest rate is 4.250%. | Collections Comments:The loan is currently performing and the next due date is xx/xx/2024.<br> The last payment was received on xx/xx/2024 in the amount of $1,856.21 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. <br> The loan has been modified. <br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the comment dated xx/xx/2023, the reason for default is excessive obligation.<br> As per the comment dated xx/xx/2023, the subject property is owner occupied.<br> As per the comment dated xx/xx/2023, the borrower's income was impacted by Covid-19 pandemic. FB plans ran and were extended several times from xx/xx/2022 to xx/xx/2023.<br> As per the comment dated xx/xx/2023, the subject property's drywall has been contaminated. The property needs repairs. No further details have been found regarding whether repairs have been completed or not.<br>BWR has 1 year on the job as a xxp. BWR has prior employment experience as a xx between xx/xx/2018 and xx/xx/2020 for 2.16 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made on xx/xx/2024 between the borrower "xx" and the lender "xx" As per the modified terms, the new principal balance is xxThe borrower agreed to pay the P&I of $1,124.49 and an interest rate of 4.250% beginning on xx/xx/2024 until the maturity date of xx/xx/2064.<br>| Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $XX. Current UPB $218K." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 33.5%. The tape shows income miscalculation. Further details were not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has 1 year on the job as axx, FICO 629, and $127K equity in the subject.<br>Downgraded to LVL2 because SOL expired on xx/xx/2025."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 570 | Not Applicable |  |
| 45958159 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1184.22 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2530.01 | 5.375% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 83.047% | 83.047% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 651 | Not Applicable | 54.046% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount ofxxin favor of MERS as nominee for xx.<br>The annual county tax for 2024 has been paid in the amount of $1,184.22, recorded on xx/xx/2024. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The details of last payment received are not available. The current monthly P&I is $2,530.01 and PITI is $3,280.50 with an interest rate of 5.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The details of last payment received are not available. The current monthly P&I is $2,530.01 and PITI is $3,280.50 with an interest rate of 5.375%. The current UPB reflected as per the payment history is xx.. <br> No bankruptcy and foreclosure evidence has been found.<br> Unable to confirm the current condition and occupancy status of the subject property. <br> BWR has 14.83 years on the job as xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows BWR had defaulted on a timeshare loan. A review of the credit report shows back in 2021 that the BWR had defaulted on a timeshare share loan with a remaining balance of $5,458 on June 2021, and UW has considered $272 monthly payment in the DTI calculation. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 674 | Not Applicable |  |
| 97204794 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1336.69 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $394.16 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 60.000% | 60.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 659 | Not Applicable | 34.943% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2023 and was recorded on xx/xx/2023 in the amount of xx in favor ofxx.<br> There is UCC lien found against the subject property in favor of xx in the amount of $0.00 which was recorded on xx/xx/2024.<br> The 2023 combined annual taxes were paid in the amount of $1,336.96 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the review of payment history as of xx/xx/2024, the borrower has been delinquent for 2 months, and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $900.03, which applied for xx/xx/2024. The current P&I is $394.16 with an interest rate of 6.875%. The UPB as of the date mentioned in the updated payment history is xx. | Collections Comments:According to servicing comments, the current status of the loan is in collection.<br> According to the review of payment history as of xx/xx/2024, the borrower has been delinquent for 2 months, and the next due date of payment is xx/xx/2024. The current P&I is $394.16 with an interest rate of 6.875%. The UPB as of the date mentioned in the updated payment history is xx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the comment dated xx/xx/2024, the borrower's income has been impacted by covid-19. Further details are not available.<br> As per the comment dated xx/xx/2024, the reason for default is illness of a family member.<br> As per the servicing comment dated xx/xx/2024, the property is owner-occupied.<br> As per servicing comment dated xx/xx/2024, the FEMA disaster was declared for XXX. CCs in file do not show any damage.<br> BWR has 5 months on the job asxx. BWR has prior employment experience as anxx between xx/xx/2019 and xx/xx/2022 for 2.91 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as-is. The improvement and the photo addendum show damaged drywall beneath the side window in the front bedroom. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows sales price or LTV issue. The subject loan closed with a sales price of $XX and LTV of 60%. Further details not provided. Zillow search shows an estimated value of $XX. Current UPB $59K." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is purchase case. Final CD dated xx/xx/2023 reflects cash to in the amount of $6,077.29."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 485 | Not Applicable |  |
| 19166552 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11409.66 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3048.15 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 84.364% | 84.364% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 728 | Not Applicable | 38.506% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx/xx/2023 and was recorded on xx/xx/2023 in the amount of xx in favor of MERS as xx.<br> No active judgments or liens were found.<br> The first and second installments of county taxes for 2023-2024 have been paid in the total amount of xx on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,301.50 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $3,048.15 with an interest rate of 6.875%. The current UPB reflected as per payment history is xx.<br>As per the PH, there was a large transaction in July, 2024 in the total amount of xx, which was applied for the due dates of xx/xx/2024 to xx/xx/2024. As per collection comments dated xx/xx/2024 and xx/xx/2024, these are borrower-made payments. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per payment history is xx.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has 6 years on the job as a xxy. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Application<br> Note | xx | 3: Curable |  | \* Application Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Final 1003 is missing from the loan file."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to Fees charged xx Exceeds Fees threshold of xx Over by +$8,202.92. <br> The below fees were included in the test<br> Administration Fee paid by Borrower: $1,175.00<br> Mortgage Broker Fee (Indirect) xx<br> Points - Loan Discount Fee paid by Borrower: $8,405.51<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged xx Exceeds Fees threshold of xx Over by +$8,202.92. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,175.00<br> Mortgage Broker Fee (Indirect) xx<br> Points - Loan Discount Fee paid by Borrower: $8,405.51"<br> \* Note is missing or unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The original note is missing. The lost note affidavit is available in the loan file located at xx. The tape data shows the issue for the original collateral file has been misplaced, and we have a valid xx." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 38.50%. The tape shows income misrepresentation as the income docs appear altered. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. BWR has 6 years on the job asxx FICO 728, 1X30 since inception, and $91k equity in the subject."" |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 700 | Not Applicable |  |
| 33991650 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $660.70 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $618.85 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 757 | Not Applicable | 43.519% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage was originated on xx/xx/2024, which recorded on xx/xx/2024 with instrument# xx in the amount of xx in favor of MERS as xx.<br> There is one mechanic lien against the borrower in favor of xx, which was recorded on xx/xx/2019 in the amount of $975.00.<br> The annual city taxes for 2024 are paid in the amount of $660.70 on xx/xx/2024.<br> No prior year delinquent taxes have been found. | The loan was originated on xx/xx/2024, and the first payment is due on xx/xx/2024. According to payment history as of xx/xx/2024, the next due date is xx/xx/2024. The current P&I is $618.85 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> No information has been found regarding the forbearance plan.<br> The photo addendum attached with the appraisal report dated xx/xx/2024 shows mold at the rear section of the property; the bedroom corner cavity needs repair, and adhesive tile in the kitchen needs to be fixed. No details have been found regarding the estimated amount to repair the damages or completion of the repairs.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 months on the job as a xx. BWR has prior employment experience as a xx between xx/xx/2017 and xx/xx/2024 for 6.10 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as is, and the photo addendum shows mold at the rear section of the property; the bedroom corner needs repair, and adhesive tile in the kitchen needs to be fixed. 1004D and an inspection report by a licensed professional are missing from the loan documents. The final CD does not reflect any escrow holdback."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed PA license validation test."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the condo association does not meet the Fannie/Freddie requirement. A review of the condo questionnaire shows that the condo association has allocated $XX towards the reserve account balance. Further details not provided. Zillow search shows estimated value at $XX. Current UPB $101K." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 760 | Not Applicable |  |
| 34835937 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5549.77 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1762.87 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 62.000% | 62.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 753 | Not Applicable | 49.565% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with the lender MERS as nominee for xxg for the amount of xx<br> The annual school taxes for 2024 were paid in the amount of $2,669.24.<br> The annual combined taxes for 2024 were paid in the amount of $2,880.50.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,762.87 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $1,762.87 and the interest rate is 8.000%. <br> PH shows a large payment of $5,288.61 in Feb-24. CC dated xx/xx/2024 shows the same amount paid by BWR.<br>| Collections Comments:The loan is currently performing and the next due date is xx/xx/2024.<br> The last payment was received on xx/xx/2024 in the amount of $1,762.87 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> As per the comment dated xx/xx/2024, there is a payment dispute<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has been SE for 14.58 years atxx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is NOO and was approved at 50%. Tape shows rental income miscalculation. The revised DTI is 80%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. BWR has been SE for 14.58 years at xx., FICO 753, and $148K equity in the subject.<br>Downgraded to LVL 2 because occupancy is investment and ATR Exempt."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Home loan toolkit is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 620 | Not Applicable |  |
| 97466157 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $922.00 | 10/02/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $538.73 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 86.667% | 105.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 766 | Not Applicable | 22.264% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with an instrument xx in the amount of xx with MERS as nominee for xx.<br> There is one junior mortgage against the subject property originated on xx/xx/2024 in favor of "xx" in the amount ofxx, which was recorded on xx/xx/2024 with an instrument xx.<br> The first and second installments of county taxes for the year 2024 have been paid in the amount of $922.00.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $657.83 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $538.73 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the current condition and occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE and working asxx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home loan toolkit is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan was repurchased as the subject condo project status is ineligible on FNMA's approved condo project list. Further details not provided. Redfin search shows an estimated value of $XX. Current UPB $77K." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 779 | Not Applicable |  |
| 77607804 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5413.87 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $644.69 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 57.234% | 57.234% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 683 | 698 | 46.786% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for the year 2024 were paid in the amount of $5,413.87 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,245.11 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $644.69 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> The RFD is unable to be determined. <br> The loan has not been modified since origination.<br> As per the comment dated xx/xx/2023, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 4.91 years on the job asxx<br> BWR2 has 11.33 years on the job as xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $3,993.75 exceeds fees threshold of $3,730.00 over by +$263.75. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,303.75<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $995.00.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $3,993.75 exceeds fees threshold of $3,730.00 over by +$263.75. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,303.75<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $995.00." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 46.78%. Tape shows lender did not address income discrepancies. Further details not provided. Lender defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has 4.91 years on the job as a xx.; BWR2 has 11.33 years on the job as a xx; FICO 683, 0X30 since inception, and $74K equity in the subject.<br>Downgraded to LVL2 based on PH."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 733 | 502 |  |
| 68432185 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3249.14 | 11/07/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1235.97 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 101.000% | Full Documentation | Yes | xx | xx | 16.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 729 | Not Applicable | 47.489% | First | Short Form Policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xxin favor of xx.<br> There is a junior mortgage against the subject property originated on xx/xx/2024 in favor of xx in the amount ofxx, which was recorded on xx/xx/2024.<br> The annual county tax for 2023 has been paid in the amount of $3,249.14, which was recorded on xx/xx/2024.<br> No delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024, in the amount of $1,579.73, which was applied for the due date of xx/xx/2024. The current P&I is $1,235.97 and PITI is $1,579.73. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current P&I is $1,235.97 and PITI is $1,579.73. The UPB is xx.<br> No evidence has been found regarding the current foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has 2.91 years on the job as xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 47.48%. The tape shows the lender did not include BWR's spouse debts in the DTI calculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 2.91 years on the job as xx., FICO 729, and 0X30 since inception." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows points and fees of $12K charged on the subject loan exceeded the limit of WHEDA guidelines. Further, tape shows the closing disclosure for the subordinate lien is missing from the loan documents, and the LE issue on the subordinate lien reflects the interest rate of 0%. Review of the file shows CD for the subordinate loan is available in the loan documents. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home loan toolkit is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 742 | Not Applicable |  |
| 43340293 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Puerto Rico | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1459.02 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $900.87 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 101.579% | Full Documentation | Yes | xx | xx | 18.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 742 | Not Applicable | 49.809% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx/xx/2022 and was recorded on xx/xx/2022 in the amount ofxx.<br> There is an active junior mortgage against the subject property in favor of xx, a public corporation, in the amount of xx, which originated on xx/xx/2022 and was recorded on xx/xx/2022.<br> The annual county taxes for 2024 are due in the amount of $1,400.66 on xx/xx/2024.<br> The annual county taxes for 2023 were paid in the amount of $1,285.21 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,230.94, which was applied for the due date of xx/xx/2024. The current P&I is $900.87 with an interest rate of 6.375%. The current UPB reflected as per payment history is xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per payment history is xx.<br> The loan has not been modified since origination. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. The appraisal report dated xx/xx/2022 shows the subject as-is and appraiser comments, and the photo addendum reflects that the door frame has minor damage in the amount of $2,000.00. CCs do not show any damage.<br> BWR has 1 year on the job as a xx. BWR was previously xx. between xx/xx/2019 and xx/xx/2022 for 3.83 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report shows the subject as-is and appraiser comments, and the photo addendum reflects that the door frame has minor damage from the dog in the amount of $2,000. The 1004D/completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.81%. Tape shows issues with variable hours, SE income documentation resulting in a DTI miscalculation. Further details were not provided. Lender defect. The subject loan was originated on xx/xx/2022, and the 3-year SOL is active. BWR has 1 year on the job asxx, FICO 742, 0X30 last 24 months and $11K equity in the subject."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 6.927% exceeds APR threshold of 6.810% over by +0.117%. Subject loan is escrowed."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 6.961% exceeds APR threshold of 6.810% over by +0.151%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing in the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.809%, as the borrower's income is $4,390.25 and total expenses are in the amount of $2,186.76 and the loan was underwritten by LP (xx) and its recommendation is accept with a DTI of 50%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 547 | Not Applicable |  |
| 91199706 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1694.34 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $603.93 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 96.500% | 102.500% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 698 | Not Applicable | 43.583% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2022 with the lender MERS as nominee for xx in the amount of xx, which was recorded on xx/xx/2022. There is a junior mortgage against the subject property that originated on xx/xx/2022 in favor of xx" in the amount ofxx, which was recorded on xx/xx/2022. The first installment of county taxes for the year 2023 was paid on xx/xx/2024 in the amount of $847.17. The second installment of county taxes for the year 2023 is due on xx/xx/2024 in the amount of $847.17. No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $952.92 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $603.93 with an interest rate of 6.125%. The current UPB reflected as per payment history is xx. | Collections Comments:According to servicing comments, the current status of the loan is performing. As per the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The current UPB reflected as per payment history is xx. <br> As per the comment dated xx/xx/2024, the RFD is unemployment. <br> The post-closing details regarding the foreclosure and bankruptcy have not been found. <br> BWR has 1.91 years on the job as xx. BWR has prior employment experience asxx between xx/xx/2021 and xx/xx/2021 for five months.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 43.58%. Tape shows issue with variable income, income documentation and DTI. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 1.91 years on the job asxx, FICO 698 and $33K equity in subject.<br>Exception downgraded to level 2 as SOL has expired."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.135% exceeds APR threshold of 6.810% over by +0.325%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 503 | Not Applicable |  |
| 27371279 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $11925.02 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3537.34 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 681 | Not Applicable | 47.927% | First | Final policy | Not Applicable | Not Applicable | 09/01/2024 | $598528.55 | Not Applicable | 6.375% | $3450.96 | 09/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2022 in the amount ofxx with the lender xx, which was recorded on xx/xx/2022.<br> There are two prior state tax liens against the BWR "xx" in the amount of $2,924.15 in favor of "xx," which were recorded on xx/xx/2014 and xx/xx/2018.<br> There are two junior state tax liens against the BWR "xx" in the amount of $5,065.57 in favor of "xx," which were recorded on xx/xx/2023 and xx/xx/2024.<br> There are multiple prior civil and credit card judgments against the BWR "xx" in the amount of xx that were filed by the different plaintiffs and recorded on different dates.<br> There are multiple civil and credit card judgments against the BWR "xx" in the amount of xx that were filed by the different plaintiffs and recorded on different dates. <br> There is a prior state tax lien against "xx" in the amount of $1,003.74 in favor of the xx, which was recorded on xx/xx/2020. The SSN provided in the supporting document is inconsistent with BWR's SSN. <br> The first and second installments of county taxes for 2023 were paid in the amount of xx on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,102.40 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $3,450.96, and the interest rate is 6.375%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,102.40 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $3,450.96, and the interest rate is 6.375%. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the RFD was curtailment of income. <br> As per the comment dated xx/xx/2023, the BWR's income was impacted by the COVID. No comments have been found regarding the FB plan. <br> The comment dated xx/xx/2023 shows evidence of repairs in the subject property. No comments have been found regarding the types of damages, estimated cost of repair, and repair completion. <br> The loan was modified between the borrower and lender on xx/xx/2024.<br> No foreclosure activity has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has been SE for 3.33 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified between the borrower and the lender on xx/xx/2024. As per this modification agreement, the new principal balance is xx5, and the borrower promised to pay principal and interest in the amount of $3,450.96 at a rate of 6.375% beginning on xx/xx/2024. According to this agreement, the new maturity date will be xx/xx/2064. There is no forgiven or deferred amount. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 47.93%. Tape shows there BWR had undisclosed debt and SE income was not supported by tax returns. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2022, and the 3-year SOL is active. BWR has been SE for 3.33 years atxx, FICO 681, and $31K equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.93% as the borrower's income is xx and total expenses are in the amount of $6,031.67 and the loan was underwritten by xx and its recommendation is Approve/Eligible with a DTI of 47.93%." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 493 | Not Applicable |  |
| 2407639 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4222.56 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1601.59 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 690 | Not Applicable | 48.384% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 in the amount of xx in the favor of MERS as nominee xx.<br> No active judgments or liens were found.<br> The annual county taxes for 2024 are due in the amount of $4,053.66 on xx/xx/2024.<br> The annual county taxes for 2023 were paid in the amount of $3,812.57 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,161.83, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,601.59 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2022, the subject property is occupied by unknown.<br> No comments have been found stating the borrower's income was impacted by COVID-19.<br> BWR has 26.83 years on the job as xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 48.38%. Tape shows income and debt miscalculation by the lender. The revised DTI is 55.83%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 26.83 years on the job as a xx., FICO 690, 2X30 inception in the last 24 months, and $22K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 6.705% exceeds APR threshold of 6.290% over by +0.415%. Subject loan is escrowed."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflects Points - Loan Discount Fee at $3,444.00. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $3,722.81. This is an increase in fee of $278.81 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 6.761% exceeds APR threshold of 6.290% over by +0.471%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.38%, as the borrower's income is $8,671.55 and total expenses are in the amount of $4,195.64 and the loan was underwritten by xx and its recommendation is Approve/Eligible with a DTI of 48.38%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 679 | Not Applicable |  |
| 65202694 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3331.52 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $752.00 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 765 | Not Applicable | 48.539% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 in the amount of xx with MERS as nominee xx.<br> There is an active civil judgment against the borrower in favor of the State of Florida in the amount of $301.00, which was recorded on xx/xx/2019.<br> The annual county taxes for 2024 are due on xx/xx/2024 in the amount of $3,198.26.<br> The annual county taxes for 2023 were paid on xx/xx/2023 in the amount of $2,968.98.<br> As per updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,221.27 which applied for xx/xx/2024. The current P&I is $752.00 with an interest rate of 3.875%. The UPB is xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The current P&I is $752.00 with an interest rate of 3.875%. The UPB is xx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the seller's tape, the subject property is owner-occupied.<br> BWR has 6.75 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $XX. The current UPB is $151K." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 48.54%. The tape shows an undisclosed debt. The revised DTI is 69.75%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 6.75 years on the job asxx, FICO 765, 0X30 in last 24 months, $48K equity in the subject, and $674 residual income."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 532 | Not Applicable |  |
| 12255483 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4306.62 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1714.58 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 681 | Not Applicable | 49.932% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with the lender MERS as nominee for xx for the amount of xx<br> No active liens or judgments have been found against the borrower or subject property. <br> The first and second installments of county taxes for 2023/2024 were paid in the amount of $4,306.62. <br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2024. According to the latest payment history tape data as of xx/xx/2024, the next due date is xx/xx/2024. The unpaid principal balance is xx. The current P&I is $1,714.58 and the interest rate is 6.875%. | Collections Comments:The loan is currently performing and the next due date is xx/xx/2024. The unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy. <br> The occupancy of the subject property is not available. <br> No comment pertaining to the damage to the subject property has been observed. <br> BWR has been SE for xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan fails the QM points and fees test and is not salable to investors. Infinity compliance result shows that the loan failed the QM points and fees test. Further details not provided."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID total of payment disclosed on final CD as xx. Calculated total of payments is xx for an under disclosed amount of - xx. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100.<br>This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceeds fees threshold of $7,879.83 over by +$3,342.77. The below fees were included in the test: Document Preparation Fee paid by Borrower: $350.00<br> Mortgage Insurance Premium $8,247.60<br> Points - Loan Discount Fee paid by Borrower: $1,235.00<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $695.00 Loan fails qualified mortgage lending policy points and fees test due to fees charged xx exceeds fees threshold of $7,879.83 over by +$3,342.77. The below fees were included in the test: Document Preparation Fee paid by Borrower: $350.00<br> Mortgage Insurance Premium $8,247.60<br> Points - Loan Discount Fee paid by Borrower: $1,235.00<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $695.00"<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock provided expired on xx/xx/2024 and the loan closed on xx/xx/2024. No lock extension found." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$2,752.88. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br>Loan failed TILA APR test due to calculated APR 7.471% exceeds APR threshold of 7.068% over by +0.403%. Subject loan is purchase case, originated on xx/xx/2024 and 1-year SOL is active." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 630 | Not Applicable |  |
| 33849650 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Utah | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $13595.15 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $9244.63 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 748 | 770 | 37.176% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of MERS as nominee forxx. No active judgments or liens were found. The combined annual tax for 2024 is due in the amount of xx on xx/xx/2025. The combined annual tax for 2023 has been paid in the amount of xx on xx/xx/2024. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of xx, which was applied for the due date of xx/xx/2024. The current monthly P&I is $9,244.63 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx. No evidence has been found regarding the current or prior foreclosure proceedings. As per the PACER report, the borrower has not filed bankruptcy since loan origination. No information has been found related to damage or repairs. As per the tape data, the subject property is owner-occupied. BWR has been SE for 3.83 years atxx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 37.21%. The tape shows rental income miscalculation by the lender and the revised DTI is 45%. BWR has been SE for 3.83 years at xx, FICO 748, $232K equity in the subject and xx residual income." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 714 | 718 |  |
| 22581063 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3703.44 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1293.83 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 66.811% | 66.811% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 739 | 645 | 48.311% | First | Final policy | Not Applicable | Not Applicable | 09/12/2023 | $221664.31 | $47090.41 | 6.000% | $960.53 | 10/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 in the amount of xx with "xx."<br> There are two mechanic liens against the borrower. The first mechanic's lien was recorded on xx/xx/2022 in favor of xx in the amount ofxx0 withxx, located at "xx" and the second mechanic's lien was recorded on xx/xx/2022 in favor of xx in the amount of xx with xx, located at xx. <br> The annual combined taxes for 2024 are due in the amount of $3,703.44‬ on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,377.11 which was applied for the due date of xx/xx/2024. The current P&I is $960.53 and the interest rate is 6.000%. PH shows current UPB including the deferred balance with the amount of xx. <br> PH shows multiple transactions were made in Jan 2024 in the total amount of $6,924.22. As per the collection comment dated xx/xx/2024 and xx/xx/2024, these are BWR payments. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,377.11 which was applied for the due date of xx/xx/2024. The current P&I is $960.53 and the interest rate is 6.000%. PH shows current UPB including the deferred balance with the amount of xx. <br> No bankruptcy and foreclosure evidence has been found. <br> As per the collection comment dated xx/xx/2023, the borrower's income was impacted by Covid-19. The servicer provided FB plan that ran from xx/xx/2022 to xx/xx/2023. <br> As per the collection comment dated xx/xx/2023, the subject property was damaged. The nature of damage and cost of repair are unable to be determined. No comments have been found regarding repair completion. <br> BWR1 has 1.25 years on the job as xx. BWR has prior employment experience as axx between 06/06/20016 and xx/xx/2021 for 4.83 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified between the borrower and lender on xx/xx/2023 and the new principal balance is xx. The borrower promised to pay P&I in the amount of $960.53 with fixed interest rate of 6.00% starting on xx/xx/2023 until the maturity date of xx/xx/2063. The deferred balance is $47,090.41 and the interest bearing amount is $174,573.90. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the borrower was delinquent with the loan. Later, the borrower is current with the loan after the loan was modified in Jan 2024. The deferred balance of xx (included in current balance). According to the payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. PH shows current UPB including the deferred balance with the amount of xx. The loan was modified on xx/xx/2023."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test due to calculate finance charge of xx exceeds disclosed finance charge of xx over by -$497.00.<br>Loan failed TILA foreclosure rescission finance charge test due to calculate finance charge of xx exceeds disclosed finance charge of xx over by -$462.00.<br>The subject loan is a refinance, originated on xx/xx/2022.<br>Exception downgraded. SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 681 | 751 |  |
| 46215225 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3635.54 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3428.87 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 685 | Not Applicable | 43.573% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 in the amount of xx in favor of "MERS as nominee for xx.".<br> No active liens and judgments have been found against borrower and property.<br> The annual county taxes for 2023 are paid in the amount of $3,635.54 on xx/xx/2023.<br> The annual county taxes for 2024 are due in the amount of $3,635.54 on xx/xx/2025.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $3,428.87 and PITI is $4,372.64. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $3,428.87 and PITI is $4,372.64. The UPB reflected as per the payment history is xx. <br> As per comment dated xx/xx/2024, the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding Covid-19.<br> According to the collection comment dated xx/xx/2023, the subject property was damaged due to wind. The date of loss is xx/xx/2023. As per comment dated xx/xx/2023, the borrower filed an insurance claim and received a check in the amount of $14.700.00 on xx/xx/2023. No comment found which states that repair is completed.<br> BWR has 8 months on the job as anxx at xx, and BWR has 10.33 years on the second job as a xx. BWR has been SE (consultant) for 5.41 years. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 44%. Tape shows supplemental summer teaching income was not verified and the revised DTI is 56.99%. <br> Further details are not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 8 months on the job as xx, and BWR has 10.33 years on the second job as axx. BWR has been SE (consultant) for 5.41 years. FICO 685, 1X30 since inception, and $67K equity in the subject.<br>Downgraded to LVL2 based on PH."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $14700.37 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 610 | Not Applicable |  |
| 96207443 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $8871.51 | 10/28/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3023.80 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | Yes | 705 | Not Applicable | 44.623% | First | Commitment | Not Applicable | Not Applicable | 08/01/2024 | $479322.49 | $0.00 | 6.750% | $2892.03 | 08/01/2024 | Financial Hardship | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx/xx/2023 and was recorded on xx/xx/2023 in the amount ofxxin favor of MERS as nominee forxx.<br> There is a civil judgment found against the prior owner xx, a New Jersey xx in favor of xx, f/k/a xxy, which was recorded on xx/xx/2024.<br> The 2024 county annual taxes are due in the amount of $8,871.51 on xx/xx/2025.<br> The 2023 county annual taxes were paid in the amount of $7,731.26 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3898.00 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,892.03 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is curtailment of income.<br> No evidence has been found for bankruptcy and foreclosure.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> BWR has 21.16 years on the job as axx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx/xx/2024. As per the modified term, the new principal balance isxx. The monthly P&I is $2,892.03 with an interest rate of 6.750% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 44.62%. Tape shows rental income miscalculation as the supporting documents of departure REO property are missing from the loan documents. The revised DTI is 63.08%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 21.16 years on the job as a xx, FICO 705, $26K equity in the subject, and $3,482 residual income." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the tape issue the loan was reinstated through a loan modification. The loan was modified on xx/xx/2024." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 546 | Not Applicable |  |
| 99443005 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2157.25 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2718.60 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 629 | 660 | 49.949% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with the lender MERS as nominee for xx for the amount ofxx<br> No active liens or judgments have been found against the borrower or subject property.<br> Parcel ID: xx<br> The annual combined and school taxes for 2024 are due in the amount of $2,157.25 on xx/xx/2025.<br> The annual combined and school taxes for 2023 were paid in the amount of xx.<br> Parcel ID: xx<br> The annual combined taxes for 2024 are to follow.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,480.02 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $2,718.60 and the interest rate is 8.000%. <br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR1 has 7.08 years on the job xx.<br> BWR2 has 4 months on the job asxx<br> BWR3 receives SSI and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.95%. Tape shows income miscalculation due to fluctuating earnings of BWR in 2022. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has 7.08 years on the job as xxs. BWR2 has 4 months on the job as axx. BWR3 receives SSI and retirement income, FICO 694, 0X30 since inception, and $21K equity in the subject." |  | \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.433% exceeds APR threshold of 8.990% over by +0.443%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." | \* Settlement date is different from note date (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD reflects closing date as 12/XX/2023. Notary's signature date on the Deed of Trust is 12/XX/2023. Note date is 12/XX/2023." | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 581 | Not Applicable |  |
| 52390121 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $107.60 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $990.77 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 709 | Not Applicable | 45.413% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with the lender MERS as nominee for xx. for the amount ofxx <br> No active liens or judgments have been found against the borrower or subject property.<br> The first and second installments of county taxes for 2023 were paid in the amount of $107.60.<br> No prior year's delinquent taxes have been found.<br>| The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2024. According to the latest payment history as of xx/xx/2024, the next due date is xx/xx/2024. The unpaid principal balance is xx. The current P&I is $990.77 and the interest rate is 6.500%. <br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the next due date is xx/xx/2024. The unpaid principal balance is xx. <br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has 8 months on the job as xx. BWR has prior employment experience as a xx for 1.91 years between xx/xx/2022 and xx/xx/2024.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject property is manufactured. Tape shows that the subject loan was submitted with DU considering the property type as SFR. DU submitted with property type manufactured shows recommendation refer with caution. Later, LP was submitted after the note date with property type as manufactured. LP was not submitted at closing with property type manufactured. Further details were not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of $1,011.56."<br> \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Home is affixed. As per the appraisal report located at xx," the subject property is a manufactured home. The manufactured home rider, located at xx, and the affidavit of affixation, located at xx, show that the home is affixed with the xx" |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 710 | Not Applicable |  |
| 70291779 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Nebraska | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $753.04 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1480.15 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 45.476% | 45.476% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 788 | Not Applicable | 42.376% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated on xx/xx/2024, which was recorded on xx/xx/2024 with instrument# xx in the amount of xx in favor of MERS as nominee forxx<br> The subject mortgage was re-recorded to attach a revised mortgage, PUD rider, and second home rider to read the city name of xx.<br> No active judgments or liens have been found. <br> The first and second installments of county taxes for 2023 have been paid in the amount of $753.04.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2024, has been delinquent for 1 month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,291.99 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,480.15 with and interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, has been delinquent for 1 month, and the next due date is xx/xx/2024. The current UPB is xx.<br> No information has been found regarding the forbearance plan.<br> The appraisal report was subject to the completion of repairs. 1004D report shows that repairs are completed, with the exception of the following items: final grade/sod, landscaping, and gutter conductors. Total cost is $2,003.00. No evidence to confirm the current status of repairs.<br> RFD is unable to be determined<br> Unable to determine current occupancy.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 11.41 years on the job as a xx. BWR has 4.75 years on the second job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report was subject to completion of repairs. 1004D report available showing repairs are completed, with exception of the following items: final grade/sod, landscaping, and gutter conductors. Estimated cost of repairs is $2,003. Updated 1004D is missing from the loan documents. Final CD does not reflect escrow holdback."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 42.37%. The tape shows the BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 11.41 years on the job as axx. BWR has 4.75 years on the second job as a xx with xx, FICO 788, and $303K equity in the subject." |  | Minimal | Not Covered | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $2003.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 609 | Not Applicable |  |
| 84944536 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $129.69 | 10/31/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1771.37 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 757 | Not Applicable | 47.372% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage was originated on xx/xx/2024, which recorded on xx/xx/2024 with xx in the amount of xx in favor of MERS as nominee for xx<br> No active judgments or liens were found. <br> The annual county taxes for 2023 have been paid in the amount of $112.38 on xx/xx/2024.<br> The annual county taxes for 2024 have been due in the amount of $129.69 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,066.26 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,771.37 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> No information has been found related to damage or repairs.<br> As per the seller's tape data, the subject property is owner-occupied.<br> BWR has been SE for 12 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows seller contribution exceeded guideline limit. The LTV is 95%. FCD reflects a seller credit of xx and the sales price of $XX. IPC goes to 3.39%, which exceeds the conventional IPC limit of 3%."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 701 | Not Applicable |  |
| 58429763 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1012.92 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $981.09 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 679 | 676 | 46.377% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of xx with MERS as nominee forxx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2023 have been paid in the total amount of $1,012.92 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,280.77 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $981.09 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> No information has been found regarding the forbearance plan.<br> Unable to determine the occupancy of the subject property.<br> BWR has 9 months on the job as a xx. BWR was a student and has no prior employment details.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 46.37%. Tape shows lender calculated income with a 7 month average and the revised DTI is 49%. Further details were not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has 9 months on the job as axx. BWR was a student and has no prior employment details, FICO 676, 0X30 since inception and $4K equity in the subject.<br>Downgraded to LVL2 based on PH."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.607% exceeds APR threshold of 8.270% over by +0.337%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 707 | 715 |  |
| 15768167 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1506.32 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $499.23 | 6.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 91.292% | 91.292% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 635 | Not Applicable | 28.490% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 in the amount of xx with the lender, xx, which was recorded on xx/xx/2024.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2023 were paid in the amount of $1,506.32 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024 and the first payment is due on xx/xx/2024. According to payment history tape data as of xx/xx/2024, the next due date is xx/xx/2024. The current P&I is $499.23 with an interest rate of 6.125%. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:The current status of the loan is performing. <br> The loan was originated on xx/xx/2024 and the first payment is due on xx/xx/2024. According to payment history tape data as of xx/xx/2024, the next due date is xx/xx/2024. The current P&I is $499.23 with an interest rate of 6.125%. The current UPB reflected as per the payment history tape data is xx.<br> No foreclosure activity has been found in the loan files. <br> No evidence of damage or repair has been found in the loan files. <br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has 1.41 years on the job as a xxe. BWR has prior employment experience as a xx between xx/xx/2018 and xx/xx/2023 for 5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed compliance ease delivery and timing test for initial loan estimate dated xx/xx/2024 and electronically signed on xx/xx/2024 of which is greater than 3 days from the initial application date xx/xx/2024. Unable to determine delivery date due to missing document tracker. TRID is failing for timing of initial LE."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/2024 delivered on xx/xx/2024 which is more than 3 business days from initial application date xx/xx/2024.<br> Subject loan is a refinance case, originated on xx/xx/2024 and the SOL is 3 years."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows subject loan is not insured, and the credit report has expired prior to closing. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 581 | Not Applicable |  |
| 97555270 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Hawaii | xx | xx | xx | Hawaii | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1300.08 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3018.16 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 753 | Not Applicable | 37.053% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2023 and was recorded on xx/xx/2023 in the amount of xx in favor of MERS as nominee forxx.<br> No active judgments or liens were found.<br> The 1st installment of combined taxes for 2024 was paid in the amount of $650.04 on xx/xx/2024.<br> The 2nd installment of combined taxes for 2024 is due in the amount of $650.04 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,294.83 which was applied for the due date of xx/xx/2025. The current monthly P&I is $3,018.16 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is unemployment.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> The loan has not been modified since origination.<br> No evidence has been found regarding litigation and contested matters.<br> No information has been found related to damage or repairs.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> BWR has 2.4 years on the job as axx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial LE<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete due to Initial LE is missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Seller tape shows Performing loan currently. Previously an NPL that was due for 10/XX/23. Borrower received HHF funds twice to get current, most recent HHF funds received on 7/XX/24, not insured. Borrower had a trial mod and failed to make payments as they opted for HHF funds. The collection comment dated xx/xx/2024 and xx/xx/2024 shows the HHF funds were received in the amount of xx and xx. According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current unpaid principal balance is xx."<br> \* Missing Initial LE (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial loan estimate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 37.05%. Tape shows the BWR was not employed at the time of closing. Further details not provided. Revised DTI is 47.449%. BWR defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. BWR has 2.4 years on the job as a xx, FICO 753, and $22K equity in the subject."<br> \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject is purchase case. Final CD reflects cash to in the amount of $917.67."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed TILA finance charge as the calculated finance charge of xx exceeds the disclosed finance charge of xx over by $4,529.07. <br>The loan failed the TRID total of payments test as the calculated total of payments is xx exceeds the disclosed total of payments of xx over by $4,520.85.<br>The subject loan originated on xx/xx/2023 is a purchase transaction, and the 1-year TRID/TILA SOL has expired." | \* Settlement date is different from note date (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD reflects closing date as 4/17/2023. Notary's signature date on the Mortgage/Deed of Trust is 4/17/2023. Note date is 4/18/2023." | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 656 | Not Applicable |  |
| 24819760 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2659.34 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2912.15 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 749 | 747 | 39.334% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of Mers as nominee for xx<br> No active judgments or liens were found.<br> The annual county taxes for 2024 are due in the amount of $2,659.34 on xx/xx/2025.<br> The annual county taxes for 2023 were paid in the amount of $1,830.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,443.03 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,912.15 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding litigation and contested matter.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> The collection comment does not show borrower's income impacted by Covid-19.<br> BWR1 has been SE for 2.5 years at xx.<br> BWR2 has 3 months on the job as axx. Prior employment details of the BWR2 are not available.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 39.33%. Tape shows BWR2 was not employed at closing. Revised DTI is 99.43%. Further details not provided. BWR defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has been SE for 2.5 years at xx; BWR2 has 3 months on the job as a xx, FICO 747, 0X30 since inception, and $25K equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 747 | 714 |  |
| 8998069 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1427.18 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1175.86 | 6.125% | 348 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 747 | Not Applicable | 44.196% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2022 in favor of MERS as nominee forxx in the amount of xx, which was recorded on xx/xx/2022.<br> There is an active mortgage against the subject property originated on xx/xx/2024 in favor of xx, in the amount of <br> xx, which was recorded on xx/xx/2024.<br> Annual combined taxes for 2024 are due on xx/xx/2025 in the amount of $1,427.18.<br> Annual combined taxes for 2024 were paid on xx/xx/2023 in the amount of $1,385.42.<br> No prior year's delinquent taxes have been found.  | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,390.39 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,175.86 with an interest rate of 6.150%. The current UPB is xx, and the deferred balance is $8,530.28. | Collections Comments:As per the review of the servicing comments, the current status is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx, and the deferred balance is $8,530.28.<br> As per the collection comment dated xx/xx/2023, the deferral letter was sent on xx/xx/2023 in the amount of $8,530.28.<br> As per the collection comment dated xx/xx/2023, the RFD was unemployment. As per the collection comment dated xx/xx/2023, the borrower was approved for the 5-month payment plan that was started on xx/xx/2023 and ended on xx/xx/2023. The plan payment was cancelled on xx/xx/2023.<br> As per the collection comment dated xx/xx/2023, the borrower disputed due to the current balance and past due amount. As per the collection comment dated xx/xx/2023, the dispute matter has been settled/resolved in deferral.<br> As per the collection comment dated xx/xx/2024, the borrower was approved for the 5-month FB plan that was started on xx/xx/2024 and ended on xx/xx/2024. The plan was cancelled by the borrower.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 months on the job as an xx. BWR has prior employment experience as anxx between xx/xx/2018 and xx/xx/2022 for 4 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 44.20%. Tape shows income miscalculation. Revised DTI is 65.50%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 2 months on the job as anxx, FICO 747, $61K equity in the subject, and $1,149 residual income." | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan is Loan failed Qualified Mortgage Lending Policy points and fees test due to Fees charged $7,376.00 exceeds fees threshold of $5,492.85 over by +$1,883.15.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $683.00<br> Points - Loan Discount Fee paid by Borrower: $6,619.00<br> Tax Service Fee paid by Borrower: $74.00."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the bona fide discount point test, as the loan is a first lien mortgage and has a principal amount greater than or equal to xx and charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $7,376.00 exceeds fees threshold of $5,492.85 over by +$1,883.15.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $683.00<br> Points - Loan Discount Fee paid by Borrower: $6,619.00<br> Tax Service Fee paid by Borrower: $74.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.19%, the borrower income is $4,939.39 and total expenses are in the amount of $2,182.98 and the loan was underwritten by xx) and its recommendation is Accept with a DT of 44.00%." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 61736947 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9588.70 | 11/01/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2311.28 | 6.624% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 816 | Not Applicable | 41.731% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 in the amount ofxx with MERS as nominee for xx, and it was recorded on xx/xx/2024.<br> No active judgments or liens found.<br> The first installment of combined taxes for 2023 was paid on xx/xx/2024 in the amount of $4,794.35.<br> The second installment of combined taxes for 2023 is due on xx/xx/2025 in the amount of $4,794.35.<br> As per the updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,183.58, which applied for xx/xx/2024. The current P&I is $2,311.28 with an interest rate of 6.624%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The current P&I is $2,311.28 with an interest rate of 6.624%. The UPB is xx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the seller's tape, the subject property is owner-occupied and in average condition.<br> Information regarding the damage and repair is not available in the latest servicing comments.<br> BWR has 14.25 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 41.731%. Tape shows post closing BWR notified lender of out of state transfer and subject is REO. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has 14.25 years on the job asxx, FICO 816, 0X30 since inception and $20k equity in the subject."<br> \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved as OO. Post closing BWR was transferred out of state and subject is NOO. Further details not provided. Elevated for client review." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows subject closed with an LTV of 95% and a maximum allowable of 75%. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 789 | Not Applicable |  |
| 36652369 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4563.72 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1105.11 | 3.374% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 65.790% | 65.790% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 714 | 717 | 36.780% | First | Short Form Policy | Not Applicable | Not Applicable | 03/05/2024 | $259762.17 | Not Applicable | 3.374% | $986.76 | 03/01/2024 | Financial Hardship | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2021 in the amount of xx with MERS as nominee for xx, and it was recorded on xx/xx/2021.<br> No active judgments or liens found.<br> The first installment of county taxes for 2024-2025 is due on xx/xx/2024 in the amount of $2,281.86.<br> The second installment of county taxes for 2024-2025 is due on xx/xx/2025 in the amount of $2,281.86.<br> As per the updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,580.69, which applied for xx/xx/2024. The current P&I is $986.76 with an interest rate of 3.374%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The current P&I is $986.76 with an interest rate of 3.374%. The UPB is xx.<br> The loan modification agreement was made between the borrower and lender on xx/xx/2024.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the servicing comment dated xx/xx/2024, the reason for default is excessive obligations.<br> As per the servicing comment dated xx/xx/2022, the borrower's income was impacted by covid-19. FB plans ran and were extended several times from xx/xx/2022 to xx/xx/2023.<br> As per servicing comment dated xx/xx/2023, the property is owner-occupied<br> As per servicing comment dated xx/xx/2023, the natural disaster was declared. CCs do not show damages.<br> BWR1 receives SSI and retirement income.<br> BWR2 receives SSI income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made between the borrower and lender on xx/xx/2024. The new modified rate is 3.374% and borrower promises to pay the P&I of $986.76 which began on xx/xx/2024. The new principal balance is xx. The maturity date is xx/xx/2064. | Hazard Insurance<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 36.78%. Tape shows the lender did not document IRA statement to confirm 3-year continuance of retirement income of BWR1 used for qualification. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR1 receives SSI and retirement income. BWR2 receives SSI income, FICO 714, and $122K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Points - Loan Discount Fee at $2,473.00 CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $3,400.01. This is an increase in fee of $927.01 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a refinance, originated on xx/xx/2021 and the 3-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance certificate is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 539 | 515 |  |
| 6537761 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8170.29 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1991.01 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.030% | 94.030% | Full Documentation | Yes | xx | xx | 25.000% | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 805 | 768 | 44.832% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of MERS as nominee for xx.<br> No active liens and judgments have been found.<br> The annual combined taxes for 2024 are due in the amount of $8,170.29 on xx/xx/2025.<br> The annual combined taxes for 2023 were paid in the amount of $7,719.41 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | As per the payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. Unable to determine the last transaction details. The current P&I is $1,991.01 with an interest rate of 6.500%. The current UPB reflected as per payment history tape is xx. | Collections Comments:The current status of the loan is performing.<br> As per the payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history tape is xx.<br> No foreclosure activity has been initiated.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner.<br> BWR1 has 4 months on the job as a xx. BWR1 has prior employment experiences as axx for 2.66 years. <br> BWR2 has 2 years on the job asxx. Prior to this, BWR2 worked with xx for 1 year and 5 months.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Transmittal (1008) | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Final transmittal summary is missing from the loan documents.Post-close 1008 is located at 800043518_Awad in the loan file." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 44.83%. Tape shows BWR was not employed. Revised DTI is 130.60%. BWR defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 4 months on the job as axx; BWR2 has 2 years on the job as a xx with xx. FICO 768, and $21K equity in the subject."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))<br>Finance charge disclosed on Final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$121.05. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing.<br>Exception downgraded. SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 755 | Not Applicable |  |
| 92517580 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Iowa | xx | xx | xx | Iowa | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $459.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $514.22 | 8.240% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 102.715% | 102.715% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 22.284% | First | Final policy | Not Applicable | Not Applicable | 03/27/2010 | Unavailable | Not Applicable | 8.240% | $521.29 | 03/27/2010 | Financial Hardship | <br> According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2004 and was recorded on xx/xx/2004 with xx, with the lender, MERS, as nominee forxx for the amount of xx<br> No active liens and judgments have been found. <br> The first installment of combined taxes for 2023 was paid in the amount of $459.00 on xx/xx/2024, and the second installment of combined taxes for 2023 is due in the amount of $459.00 on xx/xx/2025.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $821.41, which was applied for the due date of xx/xx/2024. The UPB as the payment history is xx, which includes the deferred balance in the amount of $7,634.70.<br> As per the unexecuted copy of the deferral agreement located at xx" dated xx/xx/2024, there is a principal balance in the amount ofxx and a deferred balance of $7,634.70. | Collections Comments:As per the review of the servicing comments, the current status is collection.<br> According to the payment history as of xx/xx/2024, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2024. The UPB as the payment history is xx, which includes the deferred balance in the amount of $7,634.70.<br> Unable to determine the RFD.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner.<br> According to the BPO report dated xx/xx/2022 located at "xx," the subject property needs repair in the total amount of $1,000.00 for exterior paint and landscaping thinned out and cleaned up. CCs do not show any damage. Unable to determine the current condition and status of the repairs. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The temporary loan modification of the note and rider agreement is made between the borrower, xx. xx, and the lender, xx., on xx/xx/2010. The modified P&I was $521.29, and the modified interest rate was 8.240%, which was effective from xx/xx/2010 till xx/xx/2014. Thereafter, the interest rate will change with the ARM note. The unpaid principal balance has not been provided in the modification agreement. | Initial Escrow Acct Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the state regulations prohibited fees test due to the below fees were included in the test:<br> Title Examination Fee paid by Borrower: $185.00<br> Title Document Preparation Fee paid by Borrower: $25.00<br> Title Insurance paid by Borrower: $140.00<br> Title Courier Fee paid by Borrower: $25.00.<br>This loan failed the prepayment term test due to the loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is not signed by the borrower." |  | Moderate | Not Covered | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $1000.00 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 724 | 781 |  |
| 81662071 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $14581.59 | xx | Unavailable | No | Dismissal | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2850.65 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 776 | Not Applicable | 23.267% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2022 in the amount of xx with xx<br> There is one active code violation against the subject property with violation# xx. The violation type is work without permit. The violation amount is not provided.<br> The first installment of combined taxes for 2023/2024 has been paid in the amount of $7,290.80 on xx/xx/2023.<br> The second installment of combined taxes for 2023/2024 has been paid in the amount of $7,290.79 on xx/xx/2024.<br> The annual water/sewer charges for 2024 were delinquent in the amount of $195.11 and good through xx/xx/2024. | According to the payment history as of xx/xx/2024, the borrower is 3 months delinquent with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,454.12 which was applied for the due date of xx/xx/2024. The current P&I is $2,850.65 and the interest rate is 5.625%. The current UPB is xx. <br>| Collections Comments:The current status of the loan is collection. <br> According to the payment history as of xx/xx/2024, the borrower is 3 months delinquent with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,454.12 which was applied for the due date of xx/xx/2024. The current P&I is $2,850.65 and the interest rate is 5.625%. The current UPB is xx. <br> No bankruptcy evidence has been found.<br> As per the collection comment dated xx/xx/2023, the RFD was loss of income. <br> The foreclosure was initiated on the subject property. As per the UT, the complaint was filed on xx/xx/2023. As per collection comment dated xx/xx/2023, the foreclosure was closed as the loan was reinstated. The release of lis pendens was recorded on xx/xx/2023. The order of FC dismissal was filed on xx/xx/2023.<br> As per the tape data, the subject property is non-owner occupied.<br> As per the latest BPO report dated xx/xx/2024 located atxx", the subject property is an older home and needs repairs to bring it up to code and current conditions. CCs do not show damages. <br> BWR has been SE with xx for 4 years and 8 months.<br>Foreclosure Comments:The foreclosure was initiated on the subject property. As per the UT, the complaint was filed on xx/xx/2023. As per collection comment dated xx/xx/2023, the foreclosure was closed as the loan was reinstated. The release of lis pendens was recorded on xx/xx/2023. The order of FC dismissal was filed on xx/xx/2023.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. The tape indicates that the property is NOO. Further details were not provided. Elevated for client review." | \* The property type does not match the Appraisal Report (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report dated xx/xx/2021, the subject property type is single family, and the appraised value is xx. The property tax assessment attached to the UT reflects land value and improvement value as $0.00." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged xx exceeds fees threshold of xx Over by +$863.62. <br> The below fees were included in the test:<br>Mortgage Broker Fee paid by Borrower: xx<br> Points - Loan Discount Fee paid by Borrower: $1,238.00<br> Processing Fee paid by Borrower: $750.00<br> Tax Service Fee paid by Borrower: $75.00<br> Underwriting Fee paid by Borrower: $750.00<br>This loan failed the NY subprime home loan test.xx<br> Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.<br> While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain<br> conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional<br> conditions are met.<br>Loan data is 5.957% and comparison data is 4.770%. The variance is +1.187%.<br>Loan failed Qualified Mortgage APR Threshold Test due to APR calculated 5.941% exceeds APR threshold of 5.070% over by +0.871%."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged xx exceeds fees threshold of xx Over by +$863.62. <br> The below fees were included in the test:<br>Mortgage Broker Fee paid by Borrower: xx<br> Points - Loan Discount Fee paid by Borrower: $1,238.00<br> Processing Fee paid by Borrower: $750.00<br> Tax Service Fee paid by Borrower: $75.00<br> Underwriting Fee paid by Borrower: $750.00"<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.957% exceeds APR threshold of 4.320% over by +1.637. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.941% exceeds APR threshold of 4.320% Over By +1.621%. Subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement is missing from loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 509 | Not Applicable |  |
| 31129508 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2653.01 | 09/13/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1225.97 | 9.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2023 with the xx in the amount of xx, which was recorded on xx/xx/2023.<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 have been paid on xx/xx/2024 in the amount of $2,653.01.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,895.70 which was applied for the due date of xx/xx/2024. The current P&I is $1,225.97 and the interest rate is 9.500%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,895.70 which was applied for the due date of xx/xx/2024. The current P&I is $1,225.97 and the interest rate is 9.500%. The current UPB is xx. <br> No bankruptcy and foreclosure evidence has been found.<br> As per the collection comment dated xx/xx/2024, the RFD is excessive obligations.<br> As per the tape data, the subject property is non-owner occupied.<br> No damage or repairs have been found. <br> Employment details are not required as the loan was approved using the DSCR of the subject property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report | xx | 3: Curable |  | \* Missing credit report (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from the loan file." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 613 | Not Applicable |  |
| 17938942 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $28012.11 | xx | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6852.49 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 78.481% | 78.481% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 773 | Not Applicable | 45.036% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2016 in the amount of xx with MERS as nominee for xx.' and it was recorded on xx/xx/2016.<br> No active judgments/liens have been found against the subject property/borrower.<br> The county taxes for 2024-2025 are due on xx/xx/2024 and xx/xx/2025 in the total amount of xx.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/2024, the borrower is delinquent with the loan for 3 months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $9,447.17. The current P&I is $6,852.49, and the interest rate is 3.375%. Current UPB is in the amount of xx. | Collections Comments:Current status of loan is collection. As per the payment history as of xx/xx/2024, the borrower is delinquent with the loan for 3 months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $9,447.17. Current UPB is in the amount of xx.<br> As per the collection comment dated xx/xx/2024, the subject property was damaged. The type of damage and amount are not available. The loss draft was received at less than 90%. We are unable to determine whether the repairs have been completed."<br> No information has been found regarding BK.<br> The comment dated xx/xx/2024 shows that the reason for default is illness.<br> The comment dated xx/xx/2024 shows that the subject property is occupied by owner. <br> The foreclosure was initiated in 2023. The comment dated xx/xx/2023 shows that the sale was scheduled for xx/xx/2023 and it was cancelled due to the reinstatement of the loan. The case was dismissed. Again, foreclosure was initiated in 2024. The complaint was filed on xx/xx/2024. The foreclosure file was closed, and the order of dismissal was uploaded on xx/xx/2024 due to reinstatement. Further details not found.<br> BWR has 11.91 years on the job as a doctor/healthcare with XXXX.<br> Foreclosure Comments:As per UT dated 1xx/xx/2024, foreclosure was initiated in 2019; a complaint was filed on xx/xx/2019, and rescission was filed on xx/xx/2019. The foreclosure was initiated in 2022; the complaint was filed on xx/xx/2022. The rescission was filed on xx/xx/2022. The foreclosure was initiated in 2023. The comment dated xx/xx/2023 shows that the sale was scheduled for xx/xx/2023 and it was cancelled due to the reinstatement of the loan. The case was dismissed. Again, foreclosure was initiated in 2024. The complaint was filed on xx/xx/2024. The foreclosure file was closed, and the order of dismissal was uploaded on xx/xx/2024 due to reinstatement. Further details not found.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2016 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2016 reflects Points - Loan Discount Fee at $7,750.00. This is an increase fee in the amount of +$7,750.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2016, and the 1-year SOL is expired."<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Home loan toolkit is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 45.036%, as the borrower's income was xx and total expenses were in the amount of $9,246.79. Subject loan closed with manual UW. Subject loan originated on xx/xx/2016, and the 3-year SOL is expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 594 | Not Applicable |  |
| 11804953 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5600.32 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1271.85 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 737 | Not Applicable | 35.528% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2021 and was recorded on xx/xx/2021 in the amount of xx in favor of MERS as nominee for xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024 was paid in the amount of $5,600.32 on xx/xx/2024.<br> The water charges have been delinquent in the amount of $612.86, which is good through xx/xx/2024. | According to the payment history as of xx/xx/2024, the borrower is currently 3 months delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,154.98, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,271.85 with an interest rate of 5.50%. The current UPB reflected as per the payment history is xx.<br> As per the deferment agreement located atxx, the deferred amount is $5,087.40. | Collections Comments:The current status of the loan is collection.<br> According to the payment history as of xx/xx/2024, the borrower is currently 3 months delinquent with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is excessive obligation.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per the comment dated xx/xx/2022, the borrower was on a forbearance plan.<br> According to servicing comments dated xx/xx/2024, the subject property has repairs, and the estimated repair cost is not provided. As per the property inspection invoice dated xx/xx/2022, located axx, the siding of the subject property was damaged due to wind or storm, and the estimated cost of repairs is $1,000.00.<br> As per servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per servicing comment dated xx/xx/2023, the borrower's income has been impacted due to the Covid-19 pandemic.<br> As per the deferment agreement located atxx, the deferred amount is $5,087.40.<br> The loan was originated on xx/xx/2021, and the covid-19 attestation is located atxx<br> BWR has been SE for 3 years and 8 months atxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Final Application Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "LO's signature on final 1003 is missing from the loan file."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.782% exceeds APR threshold of 4.320% over by +1.462%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Required Documentation Missing or Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Home loan toolkit is missing from loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 490 | Not Applicable |  |
| 3787740 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $457.44 | 7.990% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 78.987% | 78.987% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 571 | Not Applicable | 49.108% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated on xx/xx/2002, which was recorded on xx/xx/2003 with instrument# xx in the amount of xx in favor of MERS as nominee for xx<br> No active judgments or liens have been found.<br> There is a junior mortgage open against the property in the amount of xx which was recorded on xx/xx/2003 in favor of xx<br> The taxes to follow. | According to payment history as of xx/xx/2024, the borrower has been delinquent for 3 months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $743.68 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $531.10 with an interest rate of 8.950%. The current UPB reflected as per the payment history is xx <br> .As per the seller's tape data, the deferred balance is $9,606.47. | Collections Comments:Currently, the loan is in bankruptcy.<br> According to payment history as of xx/xx/2024, the borrower has been delinquent for 3 months, and the next due date is xx/xx/2024. The current UPB is xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The RFD is not available.<br> As per the property inspection report dated xx/xx/2024, located axx the subject property is occupied by unknown and in good condition.<br> No foreclosure activity has been found.<br> The debtor (xx) filed bankruptcy under xx on xx/xx/2024 with Casexx, and the plan was confirmed on xx/xx/2024.<br> Currently, the bankruptcy is still active.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The debtor (xx) filed bankruptcy under xx on xx/xx/2024 with Case xx, and the plan was confirmed on xx/xx/2024.<br> As per the voluntary petition schedule D (xx), the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $0.00.<br> The debtor shall pay $1,145.00 monthly for 36 months.<br> The POC was filed on xx/xx/2024 with the secured claim of xx with an arrearage of $2,478.14.<br> Currently, the bankruptcy is still active. | Not Applicable | Loan Program Info Disclosure | xx | 2: Acceptable with Warnings |  |  | \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan documents."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR was not hand dated by the borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL was not hand dated by the borrower." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 37630697 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1115.34 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $561.40 | 9.290% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 45.084% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2006 and recorded on xx/xx/2006 in the amount of xx with xx. No active judgments or liens have been found.<br> The first and second installments of county taxes for 2023 have been paid in the total amount of $1,123.71 on xx/xx/2024 and xx/xx/2024 respectively. <br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $461.40 which was applied for the due date of xx/xx/2024. The current P&I is $461.40 and the interest rate is unable to be determined. The current UPB is xx. As per tape data, the deferred balance is $6,917.76. <br> The deferral agreement was made on xx/xx/2024 located at xx with the deferred balance of $6,917.76.  | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $461.40 which was applied for the due date of xx/xx/2024. The current P&I is $461.40 and the interest rate is unable to be determined. The current UPB is xx. As per tape data, the deferred balance is $6,917.76. <br> No bankruptcy and foreclosure evidence has been found. <br> Unable to determine the RFD. <br> As per tape data, the subject property is owner occupied. <br> As per the BPO report dated xx/xx/2023xx", roof of the subject property needs repairs. The cost of repair is $2,500.00. CCs do not show damage. No evidence has been found regarding repair completion. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrowers, xx" filed for bankruptcy underxx with xx on xx/xx/2019. Schedule D of voluntary petition shows that the amount of the claim without deducting the value of the collateral isxx, and the value of the collateral is xx. The unsecured portion is $7,540.59. The motion to abandon the real property (doc#10) was filed on xx/xx/2020. The order on motion to abandon (doc#17) was filed on xx/xx/2020. The bankruptcy case was discharged on xx/xx/2020 and terminated on xx/xx/2020. | This is conventional ARM mortgage that originated with P&I of $561.40 and the rate of interest is 9.290%. According to the payment history as of xx/xx/2024, the current P&I is $461.40 and the interest rate is unable to be determined. As per tape data, the loan was modified on xx/xx/2011. The modification agreement is missing from the loan file. |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the prepayment term test The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Note has LIBOR Index with Replacement Clause (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Note states, If the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $2500.00 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 647 | 681 |  |
| 71330845 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $10998.69 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $981.67 | 11.994% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 104.920% | 104.920% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | 10.240% | $759.09 | Unavailable | Unavailable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/1998 in the amount of xx in favor of xx, which was recorded on xx/xx/1998.<br> No active judgments or liens have been found.<br> The annual school, village, and combined taxes for 2024 were paid in the amount of xx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,002.54, which was applied for the due date of xx/xx/2024. The current monthly P&I is $759.09, and the rate of interest is 10.24%. The current UPB reflected as per the payment history is xx and deferred balance is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx, and the deferred balance is xx.<br> As per the collection xx/xx/2022, the RFD was an illness of the borrower.<br> As per the collection comment dated xx/xx/2024, the borrower was approved for 6 months of the FB plan that was started on xx/xx/2024 and ended on xx/xx/2024 with the monthly amount of $1,708.38.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the BPO report dated xx/xx/2024, located at xx," the subject property was occupied by the owner. CCs do not show any damage.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage that was originated on xx/xx/1998 with a P&I of $981.67, a rate of interest of 11.994%, and a maturity date of xx/xx/2028. The current P&I, as per the latest payment history, is $759.09, and the rate of interest is 10.240%. There is a reduction in P&I and interest rates with respect to note data. The modification agreement is missing from the loan file. | Credit Application | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application is missing from the loan documents."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL signed by the borrower is missing from the loan documents."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL not hand dated by the borrower." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 592 | Not Applicable |  |
| 39951703 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2563.23 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $1167.82 | 8.970% | 300 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 101.825% | 101.825% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 48.268% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2004 and recorded on xx/xx/2004 with the xx for the amount of xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual combined taxes for 2024 were paid in the amount of $2,201.67.<br> The annual school taxes for 2024-25 were paid in the amount of $361.56.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,259.01, which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx, and the deferred balance is $9,474.46. The current P&I is $646.50, and the interest rate is 2.379%. The deferral is agreement located at xx | Collections Comments:The loan is currently in collection.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The unpaid principal balance is xx and the deferred balance is $9,474.46. <br> The loan has been modified.<br> The foreclosure was not initiated.<br> The borrowers, "xx" filed for bankruptcy under xx with casexx on xx/xx/2005. The bankruptcy was discharged on xx/xx/2005, and the case was terminated on xx/xx/2006.<br> As per the comment dated xx/xx/2024, the reason for default is illness of the borrower.<br> As per the comment dated xx/xx/2023, the borrower intends to sell the property. <br> As per the BPO (xx) dated xx/xx/2023, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrowers, "xx," filed for bankruptcy under xx with case xx6 on xx/xx/2005. The schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $5,400.00. The bankruptcy was discharged on xx/xx/2005, and the case was terminated on xx/xx/2006.<br>| This is a conventional fixed-rate mortgage with a P&I of $1,167.82, an interest rate of 8.970% and a maturity date of xx/xx/2029. The P&I as per payment history is $646.50 and the interest rate is 2.379%. There is a difference in P&I with respect to note data. The modification agreement is missing from the loan file. | Prepayment Penalty Rider | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Finance charge disclosed on Final TIL as xx. Calculated finance charge is xx for an under disclosed amount of - xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as xx. Calculated finance charge is xx for an under disclosed amount of - xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>Loan failed TILA APR test due to APR calculated 7.754% exceeds APR threshold of 9.193% over by -1.439%."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not signed by the borrower."<br> \* Prepayment Rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Prepayment rider is missing from loan file."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by borrower." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 705 | Not Applicable |  |
| 10474012 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $410.56 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $1101.95 | 8.480% | 300 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 97.913% | 97.913% | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2004 in the amount of xx with xx, and it was recorded on xx/xx/2004.<br> There is one civil judgment open against the borrower with xx which was recorded on xx/xx/2024. The judgment amount is not mentioned in the supporting document.<br> The annual county taxes for 2024 were paid on xx/xx/2024 in the amount of $402.35.<br> As per the updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,850.00, which applied for xx/xx/2024. The current P&I is $981.47 with an interest rate of 6.480%. The UPB is xx. The seller's tape shows the deferred balance is xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The current P&I is $981.47 with an interest rate of 6.480%. The UPB is xx. The seller's tape shows the deferred balance is xx.<br> No foreclosure activity has been found.<br> The debtor "xx" filed for bankruptcyxx with the casexx on xx/xx/2009. The case was dismissed on xx/xx/2009 and terminated on xx/xx/2012.<br> As per tape data dated xx/xx/2024, the property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the debtor "xx" filed for bankruptcyxx3 with the casexx on xx/xx/2009. As per schedule D (xx1) the amount of claim without deducting the value of the collateral is xx0 and the value of the collateral is xx. The unsecured portion is $0.00. The POC (xx2) was filed by the xx on xx/xx/2012, for the secured claim amount of xx and the amount of arrearage is $0.00. The xx plan was not confirmed. MFR was not filed. The case was dismissed on xx/xx/2009 and terminated on xx/xx/2012. | This is a conventional fixed-rate mortgage originated on xx/xx/2004 with a P&I of $1,325.75, an interest rate of 8.480%, and a maturity date of xx/xx/2029. The P&I as per payment history is $981.47, and the rate of interest is 6.480%. There is a difference in P&I with respect to note. The tape data indicate the latest modification was made on xx/xx/2010. The loan modification agreement is missing from the loan file. | Credit Application | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application signed by the borrower is missing from the loan documents"<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Finance charge disclosed on Final TIL as xx. Calculated finance charge is xx for an under disclosed amount of - xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as xx. Calculated finance charge is xx for an under disclosed amount of - xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>Loan failed TILA APR test due to APR calculated 7.657% exceeds APR threshold 9.123% under disclosed by -1.466%."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not signed by borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated by borrower." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 599 | 679 |  |
| 59148084 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | Yes | Yes | Not Applicable | First |  | $260.33 | $799.33 | 09/30/2024 | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $493.02 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 633 | Not Applicable | 42.718% | First | Short Form Policy | Not Applicable | Not Applicable | 08/09/2010 | $35057.59 | Not Applicable | 7.500% | $240.26 | 09/01/2010 | Financial Hardship | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2006 and was recorded on xx/xx/2006 in the amount of xx0 in favor of xx<br> There is an active junior mortgage against the subject property in favor of xx in the amount of xx, which originated on xx/xx/2007 and was recorded on xx/xx/2007 with the instrument \| Book/Page #xx<br> The 1st and 2nd installments of county taxes for 2023 were paid in the total amount of $799.33 on xx/xx/2024.<br> The 1st installment of county taxes for 2024 was paid in the partial amount of $260.23 on xx/xx/2024.<br> The 1st installment of county taxes for 2024 is delinquent in the total amount of $260.23, which was due on xx/xx/2024 and good through xx/xx/2024. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024.The last payment was received on xx/xx/2024 in the amount of $326.39 which was applied for the due date of xx/xx/2024. The current monthly P&I is $240.26 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is a nonpaying renter.<br> According to the PACER, the borrower filed for bankruptcy under xx with casexx on xx/xx/2011. The bankruptcy was discharged on xx/xx/2011 and terminated on xx/xx/2011.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> No information has been found regarding the forbearance plan.<br> As per the BPO report dated xx/xx/2021 located at (xx), the subject property needs repairs or replacement of garage concrete and a gate, and the estimated cost of repairs is xx. CCs do not show damages. There is no evidence of completion of repairs.<br> As per servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the collection comment dated xx/xx/2024, the FEMA disaster was declared on xx/xx/2024 for severe storms. Tornadoes. CCs do not show damages.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx filed for bankruptcy under xx with case xx on xx/xx/2011. As per the voluntary petition schedule D (xx), the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is xx. The bankruptcy was discharged on xx/xx/2011 and terminated on xx/xx/2011. | This modification agreement signed between the borrower and lender with an effective date of xx/xx/2010 shows the new modified unpaid principal balance is $35,057.59 out of which $30,730.06 is interest bearing amount and deferred amount is $4,327.53. The borrower agreed to pay the modified monthly P&I of $240.26 with a modified interest rate of 7.500% starting on xx/xx/2010 and continuing until the new maturity date of xx/xx/2043. There is principal forgiven in the amount of $32,083.24. |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $10000.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 665 | Not Applicable |  |
| 77429620 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2382.89 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $401.82 | 11.890% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 63.360% | 63.360% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2007 with the lender "xx" in the amount of xx which was recorded on xx/xx/2007.<br> No active judgments or liens have been found.<br> Annual combined/ school/village taxes for the year 2024 were paid in the total amount of $2,382.89.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $394.38 and PITI is $658.97. The UPB reflected as per the payment history is xx. As per PH tape the deferred balance is $4,144.40. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $394.38 and PITI is $658.97. The UPB reflected as per the payment history is xx. As per PH tape the deferred balance is $4,144.40.<br> Collection comment does not state RFD.<br> As per BPO report dated xx/xx/2024 located at xx, the subject property is non-owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding Covid-19.<br> No evidence has been found regarding damage.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Application<br> Prepayment Penalty Rider | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application is missing from the loan file."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Finance charge disclosed on Final TIL as xx. Calculated finance charge is xx for an under disclosed amount of - xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as xx. Calculated finance charge is xx for an under disclosed amount of - xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>Loan failed TILA APR test due to APR calculated 11.319% exceeds APR threshold 12.674% under disclosed by -1.355%."<br> \* Prepayment Rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Prepayment penalty rider is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 556 | 573 |  |
| 83977130 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kansas | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $673.81 | $670.16 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $482.78 | 11.220% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 105.489% | 105.489% | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2004 and recorded on xx/xx/2004 with the xx, for the amount of xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The first and second installments of county taxes for 2024 are due in the amount of $670.16 on xx/xx/2024 and xx/xx/2025.<br> The first and second installments of county for 2023 are delinquent in the amount of $673.81, which are good through xx/xx/2024.<br> The water/sewer charges for 2024 are delinquent in the amount of $202.73, which are good through xx/xx/2024. | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $388.43, which was applied to the due date of xx/xx/2024. The unpaid principal balance is $4,512.72, and the deferred balance is $6,385.03. The current P&I is $388.43, and the interest rate is 11.220%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The unpaid principal balance is $4,512.72, and the deferred balance is $6,385.03.<br> The loan has been modified.<br> The foreclosure was not initiated.<br> The borrowers, "xx," filed for bankruptcy underxx with case #xx on xx/xx/2006. The bankruptcy was discharged on xx/xx/2010, and the case was terminated on xx/xx/2010.<br> As per the BPO (xx) dated xx/xx/2024, the subject property is occupied by unknown.<br> As per the comment dated xx/xx/2024, the reason for default is the illness of the borrower.<br> No comment pertaining to the damage to the subject property has been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrowers, "xx," filed for bankruptcy underxx with case xx5 on xx/xx/2006. The POC was filed on xx/xx/2006 by the xx., with the claim amount of xx, and the arrearage amount is $388.43. The xx plan was filed on xx/xx/2006, and the plan was confirmed on xx/xx/2006. The debtor has promised to pay the trustee in the amount of $105.00 for 60 months. The schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $0.00. The xx trustee's final report was filed on xx/xx/2010. The bankruptcy was discharged on xx/xx/2010, and the case was terminated on xx/xx/2010. | This is a conventional fixed-rate mortgage with a P&I of $482.78, an interest rate of 11.220%, and a maturity date of xx/xx/2052. The P&I, as per payment history, is $388.43, and the interest rate is 11.220%. There is a difference in P&I with respect to note data. The modification agreement is missing from the loan file. <br>| Credit Application | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final 1003 is missing from the loan file."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test due to finance charge disclosed on final TIL as xx. Calculated finance charge is xx for an under disclosed amount of --xx.<br>Loan failed TILA APR test due to APR calculated 10.446% exceeds APR threshold of 11.916% over by -1.470%."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Not all borrowers signed TIL (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Borrower not hand signed final TIL."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is not hand dated by the borrower." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 673 | Not Applicable |  |
| 19724366 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $619.00 | $1238.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $439.85 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 613 | 647 | 45.325% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2003 and was recorded on xx/xx/2003 in the amount of xx in favor of xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2023-2024 was paid in the amount of $619.00 on xx/xx/2024.<br> The 2nd installment of county taxes for 2023-2024 is delinquent in the total amount of $619.00, which was due on xx/xx/2024 and good through xx/xx/2024. | According to the payment history as of xx/xx/2024, the borrower is currently 01 month delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $518.29 which was applied for the due date of xx/xx/2024. The current monthly P&I is $439.85 with an interest rate of 7.990%. The current UPB reflected as per the payment history is xx and deferred balance is $2,202.64. | Collections Comments:The current status of the loan is collection.<br> According to the payment history as of xx/xx/2024, the borrower is currently 01 month delinquent with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx and deferred balance is$2,202.64.<br> The reason for default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property has been occupied by the owner.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Indiana license validation test."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TILA foreclosure rescission finance charge test due to finance charge disclosed on Final TIL as xx. Calculated finance charge is xx for an under disclosed amount of <br> -$1.34. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 43989345 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $384.64 | 9.690% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 624 | Not Applicable | 31.235% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2005 and was recorded on xx/xx/2005 in the amount of xx in favor of MERS as nominee for XXXX of xx<br> There is an active junior mortgage against the subject property in favor ofxx in the amount of xx which originated on xx/xx/2019 and recorded on xx/xx/2019 with the instrument \| book/page#xx<br> The property tax status is "to follow". | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $603.34 which was applied for the due date of xx/xx/2024. The current monthly P&I is $384.64 with an interest rate of 9.690%. The current UPB reflected as per the payment history is xx. As per the deferment agreement located atxx the servicer deferred payments in the amount of $5,218.30. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is illness of borrower.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Unable to determine the occupancy of the subject property.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows missing OG ends and no known signer. Further details not provided." | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the interest rate test due to the loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand-dated by the borrower." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 474 | Not Applicable |  |
| 44905089 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $154.99 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $347.52 | 9.100% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 116.690% | 116.690% | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2002 and recorded on xx/xx/2002 with the lender xx for the amount of $xx.<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for 2024 are due in the amount of $154.99.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2024, the borrower has been currently delinquent for 2 months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $404.04, which was applied to the due date of xx/xx/2024. The unpaid principal balance is $6,182.46 and the deferred balance is $6,552.79. The current P&I is $265.25, and the interest rate is 9.100%. | Collections Comments:The loan is currently in collection.<br> According to the latest payment history as of xx/xx/2024, the borrower has been currently delinquent for 2 months, and the next due date is xx/xx/2024. The unpaid principal balance is $6,182.46 and the deferred balance is $6,552.79. <br> The foreclosure was not initiated.<br> The borrowers, "xx," filed for bankruptcy under xx with case #xx on xx/xx/2010. The bankruptcy was discharged on xx/xx/2010, and the case was terminated on xx/xx/2010.<br> As per the comment dated xx/xx/2024, the reason for default is illness of the borrower. <br> As per the comment dated xx/xx/2024, the subject property is owner occupied.<br> As per the BPO xx dated xx/xx/2022, the subject property needs repairs in the total amount of xx. These repairs include roof, exterior paint, and landscaping. CCs do not show damage. Unable to determine whether the repairs have been completed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrowers, "xx on xx/xx/2010. The schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $0.00. The bankruptcy was discharged on xx/xx/2010, and the case was terminated on xx/xx/2010.<br>| This is a conventional fixed-rate mortgage with a P&I of $347.52, an interest rate of 9.100% and a maturity date of xx/xx/2032. The P&I as per payment history is $265.25 and the interest rate is 9.100%. There is a difference in P&I with respect to note data. The modification agreement is missing from the loan file. <br>| Credit Application | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application is missing from the loan documents."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand dated by the borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is not hand dated." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $14500.00 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 83394159 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4237.93 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $2050.78 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 782 | Not Applicable | 40.907% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with the lenderxx for the amount of $xx<br> There is a state tax lien (XXXX) against the borrower in favor of the xx for the amount of $12.43 recorded on xx/xx/2024.<br> The annual combined taxes for 2024 were paid in the amount of $4,237.93.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,714.87, which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $2,050.78, and the interest rate is 5.625%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower, "xx," filed for bankruptcy under xx with case #xx on xx/xx/2023. The bankruptcy was discharged on xx/xx/2023, and the case was terminated on xx/xx/2023.<br> As per the comment dated xx/xx/2023, the reason for default is curtailment of income.<br> As per the comment dated xx/xx/2023, the subject property is owner occupied. <br> The appraisal report reflects as-is conditions. The photo addendum shows the basement room needs to be repainted. As per the comment dated xx/xx/2024, the roof of the subject property was damaged. Estimated cost to cure is not available. Unable to determine whether the repairs have been completed.<br> BWR has 1 month on the job as a xx at xx and receives child support and alimony income. Previously, BWR has 2.5 years on the job as an assistant at xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower, "xx ," filed for bankruptcy under xx with case #xx on xx/xx/2023. The schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $0.00. The bankruptcy was discharged on xx/xx/2023, and the case was terminated on xx/xx/2023. | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report reflects the as-is conditions. The photos addendum shows the basement room needs to be repainted. Estimated cost to cure is not available in the loan file. The updated 1004D/Completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 40.90%. Tape shows assets were not properly documented. Bank statement in the file shows xx in assets, and the cash-to-close requirement is xx. Large deposit of xx was not sourced. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 1 month on the job as a xx at xx and receives child support and alimony income, FICO 782, and $30K equity in the subject.<br>Downgraded to LVL2 based on PH." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 633 | Not Applicable |  |
| 47632888 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1619.89 | 11/13/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2645.38 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.991% | 94.991% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 801 | Not Applicable | 30.793% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with the xx for the amount of $xx. <br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for 2023 were paid in the amount of $581.10.<br> The annual county taxes for 2024 are due in the amount of $1,619.89 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,301.99 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $2,645.38 and the interest rate is 5.990%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has been SE for 15.16 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflect Transfer Taxes fee at $5,301.00. FCD dated xx/xx/2024 reflects Transfer Taxes fee at $5,656.95. This is an increase in fee of +$355.95 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the loan documents show intent to proceed is missing from the loan documents. Further details not provided."<br> \* Missing Initial 1003_Application (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 82543083 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $9871.85 | 9.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Alternative | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 719 | Not Applicable | 40.863% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of xx (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $9,871.85 with an interest rate of 9.999%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> As per seller tape data, the subject property is occupied by the borrower. <br> No damage and repairs have been found.<br> BWR has been SE for 8.5 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 40.86%. Review shows the lender miscalculated business deposits and excluded debt without supporting documents. Revised DTI is 76.76%. The subject loan originated on 10/XX/23, and the 3-year SOL is active. BWR is SE as the xx for 8 years. Equity $125K, 719 FICO and $4,134 residual income." | \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance document is missing from the loan file." | \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 10.374% exceeding the APR threshold of 9.620% by +0.754%. This loan is compliant with regulations 1026.35(b), (c), and (d). Subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 88668600 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 10/16/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The current P&I is $3,419.86; the PITI is in the amount of $3,995.00 with an interest rate of 10.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> No evidence of damage or repair has been found.<br> As per seller's tape data the subject property is owner occupied.<br> No evidence of bankruptcy or foreclosure has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 49865359 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 11/01/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The current P&I is $3,548.74, and PITI is in the amount of $4,218.23 with an interest rate of 10.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> As per seller's tape data the subject property is owner occupied.<br> No information has been found regarding the FC.<br> No information has been found regarding the BK case.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 49944974 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 10/15/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,297.93, which was applied for the due date of xx/xx/2024, and P&I is $3,230.11 with an interest rate of 6.990%. The new UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The new UPB is xx.<br> The loan was not modified since origination.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found. <br> As per tape data, the subject property is owner-occupied. <br> No damage and repairs have been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 93070892 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 10/15/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The current P&I is in the amount of $3,416.07, and PITI is $4,111.15 with an interest rate of 10.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> As per seller's tape data the subject property is owner occupied.<br> As per the collection comment dated xx/xx/2024, the property is located in a FEMA disaster area. CC does not reflect damage.<br> No information has been found regarding the FC.<br> No information has been found regarding the BK.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 40515420 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 10/31/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2024, the borrower is currently making the regular payments, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,330.60, which was applied for the due date of xx/xx/2024. The current P&I is $3,674.76 with an interest rate of 10.125%, and the PITI is $4,330.60. The UPB is xx. | Collections Comments:According to the service comment, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is currently making the regular payments, and the next due date is xx/xx/2024. The UPB is xx<br> Unable to determine the current occupancy and condition of the subject property.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> No damage and repairs have been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 64512543 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 11/01/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The current P&I is in the amount of $855.61, and the PITI is in the amount of $1,129.89 with an interest rate of 10.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> No damage and repairs have been found. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 59179749 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6317.17 | 10.499% | 480 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Alternative | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 743 | Not Applicable | 43.842% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The P&I is in the amount of $6,317.17, and PITI is $7,152.60. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The UPB is xx.<br> No records for foreclosure or bankruptcy have been found. <br> No repairs or damage have been found.<br> The RFD was unable to be determined.<br> BWR was SE for 4.91 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the loan term test as the loan term exceeds 30 years."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.881% exceeds APR threshold of 7.750% over by +3.131%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed the MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test due to an APR calculated at 10.881% exceeds APR threshold of 7.750% over by +3.131%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 98087022 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Alabama | xx | xx | No | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $14970.38 | 10.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 703 | Not Applicable | 47.850% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the payment history as of xx/xx/2024, the loan is current, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of xx, which was applied for the due date of xx/xx/2024. The P&I is xx, and PITI is xx. The UPB is xx. | Collections Comments:According to the service comment, the current status of the loan is performing. According to the payment history as of xx/xx/2024, the borrower is currently making the regular payments, and the next due date is xx/xx/2024. The UPB is xx. As per the collection comment dated xx/xx/2023, the subject property is owner occupied. As per the collection comment dated xx/xx/2023, the reason for the default is a payment dispute. Unable to determine the current condition of the subject property. The post-closing details regarding the foreclosure and bankruptcy have not been found. No damage and repairs have been found. BWR has been SE for 10.91 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents" | \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.893% exceeds APR threshold of 8.520% over by +2.373%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 37827243 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 10/17/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,657.47, which was applied for the due date of xx/xx/2024. The current P&I is $1,493.92 with an interest rate of 10.375%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> Collection comment dated xx/xx/2024 shows that the reason for default is the borrower getting paid late.<br> Unable to determine the current condition and occupancy of the subject property.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 2439689 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 10/26/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,629.71, which was applied for the due date of xx/xx/2024. The current P&I is $1,981.87 with an interest rate of 8.500%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> Subject property occupancy is unable to be determined.<br> No damage and repairs have been found.<br> As per comment dated xx/xx/2023, the RFD is loss of income.<br> "The subject property is located in the xx. CCs do not show damages."<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 75876619 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 11/01/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The current P&I is in the amount of $403.25, and PITI is in the amount of $518.99 with an interest rate of 10.250%. The UPB is reflected in the amount of xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The UPB is reflected in the amount of xx.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> Subject property occupancy is unable to be determined.<br> No damage and repairs have been found. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 95961456 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 10/16/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,148.88 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $4,506.21 with an interest rate of 10.375%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> No damage and repairs have been found.<br> As per tape data, the subject property is occupied by the owner.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 61391818 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oklahoma | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 10/28/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,759.90, which was applied for the due date of xx/xx/2024. The current P&I is $3,397.99 with an interest rate of 10.375%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx. <br> As per comment dated xx/xx/2024, the reason for default is late payment from the tenant.<br> The loan was not modified since origination.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found. <br> No damage and repairs have been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 7257675 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 11/01/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,777.55, which was applied for the due date of xx/xx/2024. The current P&I is $3,039.13 with an interest rate of 10.250%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The current UPB is xx.<br> As per comment dated xx/xx/2024, RFD is insufficient funds.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> As per tape data, the subject property is owner-occupied.<br> No damage and repairs have been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 25424346 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oklahoma | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 10/29/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $828.34 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $575.18 with an interest rate of 6.50%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> Subject property occupancy is unable to be determined.<br> No damage and repairs have been found.<br> The RFD is unable to be determined.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 80016767 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 10/31/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024, in the amount of $4,468.96, which was applied for the due date of xx/xx/2024. The current P&I is $3,870.62 with an interest rate of 10.375%, and PITI is $4,468.96. The UPB is xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> Unable to determine the current occupancy and condition of the subject property.<br> No information has been found regarding the foreclosure and bankruptcy.<br> No damage and repairs have been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 31508663 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 11/01/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,598.38, which was applied for the due date of xx/xx/2024. The P&I is $2,354.96, the interest rate is 10.375%, and PITI is $2,598.38. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The current UPB is xx.<br> No records for foreclosure and bankruptcy have been found.<br> No repairs and damage have been found. <br> As per tape data, the subject property is occupied by the owner.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 46812468 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 10/14/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The P&I is in the amount of $2,892.78, and PITI is $3,353.64. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The UPB is xx.<br> As per the tape data, the property is occupied by the borrower.<br> No records for foreclosure or bankruptcy have been found.<br> The RFD is unable to be determined.<br> No repairs or damage have been found. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 27242715 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7180.32 | 11/01/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2407.23 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 694 | 787 | 42.658% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The first and second installments of combined taxes for 2023 have been paid in the total amount of $3,590.16 on xx/xx/2024 and xx/xx/2024.<br> The third and fourth installments of combined taxes for 2023 are due in the total amount of $3,590.16 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,129.29 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $2,407.23 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, the subject property is located in the disaster-declared area, and we are unable to determine the type of the FEMA disaster.<br> As per the appraisal report dated xx/xx/2024, the photo addendum located at xx shows defective paint of the exterior basement window. There is no evidence to confirm the exact cost and current status of repairs. CCs do not show damages.<br> Unable to determine the current condition of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7 months on the job as a xx. BWR had prior employment experience as a xx xx/xx/2022 and xx/xx/2023 for 1.5 years. <br> BWR2 has 5.66 years on the job as a website user experience specialist at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 42.658%. The tape shows stability of BWR's income was not established, and the revised DTI is 60%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 7 months on the job as a registered nurse at xx. BWR2 has 5.66 years on the job as a website user experience specialist at xx, FICO 694, 0X30 since inspection, $84K equity in the subject and $3,638 residual income." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report reflects as-is conditions. The photo addendum of the property shows defective paint on the exterior side of the basement window. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 723 | 730 |  |
| 80699508 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4970.40 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1572.18 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 789 | Not Applicable | 41.096% | First | Final policy | Not Applicable | Not Applicable | Unavailable | $359034.02 | Not Applicable | 3.250% | $1337.55 | 06/01/2024 | Financial Hardship | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2021 and was recorded on xx/xx/2021 in the amount of $xx in favor of xx<br> No active judgments or liens were found.<br> The 2024 combined annual taxes were paid in the amount of $1,792.24 on xx/xx/2024.<br> The 2024 school annual taxes were paid in the amount of $3,090.25 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,016.06, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,337.55 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2023, the reason for default is curtailment of income.<br> As per the servicing comment dated xx/xx/2024, the property is owner-occupied.<br> As per servicing comment dated xx/xx/2023, the borrower's income has been impacted due to the Covid-19 pandemic. As per servicing comment dated xx/xx/2023, the borrower was on a covid-19 forbearance plan. No further information has been found.<br> No information has been found related to damage or repairs.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> BWR has 2 months on the job as a service technician at xx. BWR has prior employment experience as a service technician at xx between xx/xx/2018 and xx/xx/2021 for 2.41 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This conventional fixed-rate mortgage originated on xx/xx/2021 with a P&I of $1,572.18, a rate of interest of 3.250%, and a maturity date of xx/xx/2064. The current P&I, as per the latest payment history is $1,337.55, and the rate of interest is 3.250%. As per servicing comment dated xx/xx/2024, the loan has been modified. The new modified unpaid principal balance is in the amount of $359,034.02 with an interest rate starting at 3.250%, and the borrower promises to pay P&I in the amount of $1,337.55 beginning on xx/xx/2024. The maturity date is xx/xx/2064. The loan modification document is missing from the loan file. | Missing or error on the Rate Lock<br> Missing Required Disclosures | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 41.09%. The tape shows stability of BWR's income was not established. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has 2 months on the job as a xx at xx, FICO 789, and $70K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Pennsylvania license validation test. The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed,<br> effective November 5th, 2008."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Home loan toolkit is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 751 | Not Applicable |  |
| 82753703 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2218.33 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $767.55 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 77.083% | 77.083% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 689 | Not Applicable | 40.296% | First | Final policy | Not Applicable | Not Applicable | 03/01/2024 | $177535.75 | Not Applicable | 2.875% | $622.83 | 03/01/2024 | Financial Hardship | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2021 in the amount of $xx with xx , and it was recorded on xx/xx/2021.<br> No active judgments or liens found.<br> The first installment of county taxes for 2024 was paid on xx/xx/2024 in the amount of $1,109.17.<br> The second installment of county taxes for 2024 is due on xx/xx/2025 in the amount of $1,109.16.<br> As per the updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,002.03, which applied for xx/xx/2024. The current P&I is $622.83 with an interest rate of 2.875%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The current P&I is $622.83 with an interest rate of 2.875%. The UPB is xx.<br> As per servicing comment dated xx/xx/2024, the loan is modified effective xx/xx/2024<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the comment dated xx/xx/2024, the RFD is a distant employment transfer.<br> As per the comment dated xx/xx/2023, the subject property is owner-occupied.<br> Covid-19 attestation is available in the loan file, which is located at "xx."<br> BWR has 14.16 years on the job as a xx at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made between the borrower and lender on xx/xx/2024. The new modified rate is 2.875% and borrower promises to pay the P&I of $622.83 which began on xx/xx/2024. The new principal balance is $177,535.75. The maturity date is xx/xx/2064. |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 40.29%. Tape shows miscalculation of income. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR has 14.16 years on the job as a xx at xx, FICO 689, and $64K equity in the subject."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID total of payment disclosed on final CD as xx. Calculated total of payments is xx for an under disclosed amount of -$854.00. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100. Subject loan is purchase case, originated on xx/xx/2021 and the 1-year SOL is expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 99950993 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | $0.00 | $3735.04 | 10/28/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1353.12 | 8.750% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Manufactured Housing | xx | xx | Investor | Yes | Yes | No | 720 | Not Applicable | 61.620% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with the lender xx for the amount of $xx.<br> There is a prior IRS lien against the borrower in favor of the xx for the amount of $xx recorded on xx/xx/2019.<br> The first and second installments of county taxes for 2024 are due in the amount of $xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,353.12, which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $1,353.12, and the interest rate is 8.750%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The unpaid principal balance is xx.<br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is non-owner occupied.<br> The reason for the default is unable to be determined.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has been SE for 18.16 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Transmittal (1008) | xx | 3: Curable |  | \* Property is Manufactured Housing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home is affixed. As per the appraisal report located at "xx," the subject property is a manufactured home. The manufactured home rider, located at "xx , and the affidavit of affixation, located at xx , show that the home is affixed and the serial # is xx . The TPOL schedule B shows an exception for the notice and certificate of occupancy for mobile home installation on a foundation system recorded on xx/xx/2004 as instrument #xx."<br> \* Transmittal (1008) is Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Transmittal summary is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 774 | Not Applicable |  |
| 51694012 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Minnesota | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $718.00 | 11/03/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $886.56 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 94.945% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 725 | Not Applicable | 26.097% | First | Short Form Policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2023 in the amount of $xx with the lender,xx , which was recorded on xx/xx/2023 in instrument #xx.<br> There is a junior mortgage that was originated on xx/xx/2023 in the amount of $xx with the lender, xx , which was recorded on xx/xx/2023 in instrument # xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024 were paid in the amount of $718.00 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,060.84 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $886.56, and the interest rate is 7.750%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,060.84 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $886.56, and the interest rate is 7.750%. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied.<br> BWR has 6.83 years on the job as a xx at xx .<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows tie-down straps are looped loosely around the home frame, and the loops are crimp sealed rather than being attached to the top or bottom flange of the frame I-beams with frame clips. Need to detach the straps from the ground anchors and reattach the tie-down straps to the outside frame I-beams with frame clips. Further details not provided."<br> \* Property is Manufactured Housing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home is affixed. As per the appraisal and updated title report, the subject property is a manufactured home. The affidavit of affixation rider located at "xx" shows Serial #xx . The short form policy located at "xx " shows an exception for the affidavit of affixation, which was recorded on xx/xx/2020." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 549 | Not Applicable |  |
| 69239139 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $15983.09 | 11/15/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4838.25 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 60.000% | 60.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 679 | Not Applicable | 49.979% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of $xx in favor of xx <br> No active judgments or liens were found.<br> The 2024 county annual taxes are due in the amount of xx on xx/xx/2025.<br> The 2023 county annual taxes were paid in the amount of xx on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,221.59, which was applied for the due date of xx/xx/2024. The current monthly P&I is $4,838.25 with an interest rate of 7.99%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> The reason for the default is not available in the servicing comments.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, occupancy of the subject property is second home.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has been xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.97%. Tape shows miscalculation of BWR's SE income and PITI of the subject property. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been xx with xx , FICO 679, and $443K equity in the subject." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 does not reflect trust review fee. CD dated xx/xx/2024 reflects trust review fee at $95.00. This is an increase in fee of +$95.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case that originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 735 | Not Applicable |  |
| 93660730 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2303.23 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $7096.16 | 7.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 77.500% | 77.500% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 40.320% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of $xx in favor of xx <br> No active judgments or liens were found.<br> The annual combined taxes for 2024 were paid in the amount of $2,303.23 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2024. As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current P&I is $7,096.16, and the interest rate is 7.000%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The UPB is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is owner-occupied.<br> No information have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the investor is unable to reallocate the subject loan to another investor given asset reserve requirements and FICO is less than 700. Bank statements in the file show $36K and gift assets of $232K supported by a gift letter satisfy the cash-to-close requirement of $161K and reserves required of $42K. Further details not provided. BWR has been xx at xx , FICO 692 and $311K equity in the subject."<br> \* Closing_Disclosure violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD is not hand-dated by the borrower."<br> \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of $104.50. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Missing credit report (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The credit report is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 42%. Tape shows BWR SE income is from xx . Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been xx xx and xx , FICO 700, and $300K equity in the subject."<br> \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of $2,389.09." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 674 | Not Applicable |  |
| 58990040 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2983.99 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $925.73 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 103.000% | Full Documentation | Yes | xx | xx | 18.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 704 | Not Applicable | 40.388% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 with the lender xx in the amount of $xx, which was recorded on xx/xx/2024 in Instrument No. xx . There is a prior civil judgment against the BWR "xx" in favor of "xx " in the amount of $121.50, which was recorded on xx/xx/2005. There is a junior mortgage against the subject property, which originated on xx/xx/2024 with the lender, xx , in the amount of $xx, which was recorded on xx/xx/2024 in Instrument No. xx. The annual county taxes for 2023 were paid on xx/xx/2023 in the amount of $2,983.99. No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,351.00 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $925.73 with an interest rate of 6.250%. The current UPB is xx. | Collections Comments:The current status is performing. <br> As per the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has 4 months on the job as a xx with xx . BWR has switched jobs multiple times within 2 years. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the investor rejected the loan due to the borrower executing the title company CD at closing that reflected $0 for total payments, finance charge, amount financed, APR, and TIP, and the borrower executed the correct seller CD after 7 days of closing. Further details not provided."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Compliance ease TRID tolerance test is incomplete due to initial closing disclosure is missing from loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. Final CD reflects cash to in the amount of $2,000.00."<br> \* Settlement date is different from note date (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD reflects closing date as xx/xx/2024. Notary's signature date on the mortgage/deed of trust is xx/xx/2024. Note date is xx/xx/2024." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 686 | Not Applicable |  |
| 88704636 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3548.05 | 11/15/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2747.93 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 89.000% | 89.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 670 | 800 | 49.300% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of $xx in favor of xx<br> There are six prior judgments against the borrower in favor of multiple plaintiffs in the total amount of $xx, which were recorded on xx/xx/2017, xx/xx/2018, xx/xx/2018, xx/xx/2020, xx/xx/2020, and xx/xx/2021, respectively.<br> There is a credit card judgment against the borrower in favor of xx ., in the amount of $xx, which was recorded on xx/xx/2024.<br> The annual county taxes for 2024 were paid in the amount of $3,406.13 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,685.55, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,747.93, and the rate of interest is 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. <br>BWR has 2.16 years on the job as a xx with xx.<br> BWR3 has 2.25 years on the job as a xx with xx<br> BWR4 has 4 months on the job as an xx with xx. BWR4 had multiple jobs in the last 2 years. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.30%. Tape shows rental income used for qualification is not supported by prior history of property ownership. Revised DTI is 56%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 2.16 years on the job as a xx with xx . BWR2 receives SSI income. BWR3 has 2.25 years on the job as a xx with xx . BWR4 has 4 months on the job as an xx with xx , FICO 670, 0X30 since inception, $53K equity in the subject, and $4,613 residual income." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Qualified Mortgage lending policy points and fees test due to fees charged xx exceeds fees threshold of xx over by +$3,877.51. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,295.00<br> Points - Loan Discount Fee paid by Borrower: xx"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects points - loan discount fee at xx. CD dated xx/xx/2024 reflects points - loan discount fee at xx. This is an increase in fee of +$3,477.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL is active."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceeds fees threshold of xx over by +$3,877.51. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,295.00<br> Points - Loan Discount Fee paid by Borrower: xx"<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as is, and the subject property building is already built up. Review of Redfin shows land only with an estimated value of $XX. Current UPB $416K."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 654 | Not Applicable |  |
| 71082710 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5956.57 | 12/09/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1426.11 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 779 | Not Applicable | 43.696% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of $xx in favor of xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 were paid in the amount of $5,956.57 on xx/xx/2024.<br> The water charges for 2025 have been delinquent in the amount of $43.00 which are good through xx/xx/2025. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,982.60 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,426.11 with an interest rate of 4.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available.<br> Unable to determine the occupancy of subject property.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The borrower xx has been working at xx as a xx.<br> BWR has 2.41 years on the job as a xx officer at xx. Additionally, BWR receives a defined contribution plan.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing Required Disclosures | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 43.69%. Tape shows lender did not exclude a $3K per month marital settlement and the revised DTI is 75.765%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has 2.41 years on the job as a xx officer at xx and receives a pension, FICO 779, $92K equity in the subject, and $2,422 residual income." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial CD is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial closing disclosure is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The revised CD dated xx/xx/2024 is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 53363047 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $13358.28 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3571.07 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 731 | 739 | 47.738% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 with the lender xx. in the amount of $xx, which was recorded on xx/xx/2024.<br> There is a UCC judgment in favor of xx, which was recorded on xx/xx/2024.<br> 1st installment county taxes for the year 2024/2025 has been paid in the amount of $6,679.16 on xx/xx/2024.<br> 2nd installment county taxes for the year 2024/2025 is due in the amount of $6,679.12 on xx/xx/2025.<br> No prior-year taxes have been found delinquent. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $4,882.89 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $3,571.07 with an interest rate of 6.375%. The current UPB is xx. | Collections Comments:The loan is currently performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> The reason for the default is not available.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 1.58 years on the job as a xx at xx. BWR1 has prior employment experience as an xx with xx Unified between xx/xx/2021 and xx/xx/2022 for 1 year.<br> BWR2 has 2.83 years on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 47.73%. The tape shows BWR1 was not employed prior to closing, and the revised DTI is 113%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 1.58 years on the job as a xx at xx District, and BWR2 has 2.83 years on the job as a xx at xx, FICO 731, 0X30 since inception and $146K equity in the subject."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Finance charge disclosed on Final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$694.75. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year.<br>Subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 28389387 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3304.02 | 11/19/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3018.21 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 700 | 680 | 49.114% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of $xx in favor of xx.<br> No active judgments or liens have been found.<br> The 1st installment of the county tax for 2024/2025 has been paid on xx/xx/2024 in the total amount of $1,652.01.<br> The 2nd installment of the county tax for 2024/2025 was due on xx/xx/2025 in the total amount of $1,652.01.<br> No delinquent tax has been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024, in the amount of $4,058.32, which was applied for the due date of xx/xx/2024. The current P&I is $3,018.21, and interest rate is 5.990%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The UPB is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No evidence has been found regarding the current foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has 1.75 years on the job as a xx at xx. BWR has prior employment experience as a xx at xx. between xx/xx/2022 and xx/xx/2022 for 4 months. <br> BWR2 has 1.83 years on the job as a xx at the xx. BWR2 has prior employment experience as an xx between xx/xx/2021 and xx/xx/2022 for 1.41 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows source of large deposit could not be verified and the the verified funds are short to close. Review of bank statements in file shows xx with a large deposit of $101K from the sale of REO satisfying the cash to close requirement of xx. Further details not provided."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "AUS report is missing at the time of closing. Post-closure is available at xx" |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 98773672 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4657.66 | 12/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2134.34 | 4.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 816 | Not Applicable | 41.527% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The 1st, 2nd and 3rd installments of county taxes for 2025 were paid in the total amount of $3,493.89 on xx/xx/2025, xx/xx/2024 and xx/xx/2024.<br> The fourth installment of county taxes for the year 2025 is due in the amount of $1,163.77 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,656.85, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,134.34 with an interest rate of 4.990%. The current UPB reflected as per the payment history is xx.. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $2,134.34 with an interest rate of 4.990%. The current UPB reflected as per the payment history is xx.The reason for default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> BWR has been xx at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows appraisal report used on the subject loan was transferred from different BWR, and the loan product was changed from FHA to conventional. Appraisal report is as is with an appraised value of $XX. Zillow search shows an estimated value of $XX. Current UPB is $396K. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 19905377 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Delaware | xx | xx | xx | Delaware | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5680.50 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2499.67 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 639 | Not Applicable | 35.903% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2021 and was recorded on xx/xx/2021 in the amount of $xx in favor of xx.<br> There is an active junior mortgage against the subject property in favor of xx, in the amount of $xx, which originated on xx/xx/2024 and was recorded on xx/xx/2024 with the instrument \| Book/Page # xx.<br> The annual combined taxes for 2024 were paid in the amount of $5,252.70 on xx/xx/2024.<br> The annual town taxes for 2024 were paid in the amount of $427.80 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,039.39, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,499.67 with an interest rate of 3.750%.The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has 3.91 years on the job as a xx at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan failed the QM points and fees test. Further details not provided. Infinity compliance result shows the loan failed QM points and fees test." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed qualified mortgage lending policy points and fees test due to fees charged xx exceeds fees threshold of xx over by +$1,877.88. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $995.00<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $995.00."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2021 does not reflect points - loan discount fee. Final CD dated xx/xx/2021 reflects points - loan discount fee at xx. This is an increase in fee of +xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated onxx/xx/2021 and the 1-year SOL is expired."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceeds fees threshold of xx over by +$1,877.88. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $995.00<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $995.00."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 40017386 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3593.57 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1347.06 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 662 | Not Applicable | 49.787% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 in the amount of $xx with the lender xx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were paid in the amount of $1,205.98 on xx/xx/2024.<br> The 1st installment of school taxes for 2024 is paid in the amount of $1,193.80 on xx/xx/2024.<br> The 2nd installment of school taxes for 2024 is due in the amount of $1,193.79 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,993.73, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,347.06 with an interest rate of 6.375%. The current UPB is xx. | Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,993.73, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,347.06 with an interest rate of 6.375%. The current UPB is xx.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per tape data, the subject property is owner occupied.<br> BWR has been xx at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal of the subject property is as is, and the photo addendum shows signs of a leak on the 2nd-floor ceiling. 1004D or inspection report by a licensed professional is missing from the loan documents."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.78%. Tape shows the documentation supporting rental income was not documented by the lender. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has been xx at xx, FICO 662, and $58K equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement is missing from the loan documents." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflects Transfer Taxes at $1,392.00. CD dated xx/xx/2022 reflects Transfer Taxes at $1,594.00. This is an increase in fee of +$202.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2022 and the 1-year SOL is expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 68807844 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Tennessee | xx | xx | No | No | Not Applicable | First |  | $0.00 | $4423.48 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1251.86 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Secondary | Yes | Yes | No | 676 | 733 | 42.647% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 in the amount of $xx with xx xx.<br> There is one junior mortgage against the subject property originated on xx/xx/2023 in favor of xx in the amount of $xx, which was recorded on xx/xx/2023.<br> The annual county taxes for 2024 were paid in the amount of $4,246.54 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,879.31, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,251.86, and the rate of interest is 3.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the collection comment dated xx/xx/2024, the subject property was occupied by the owner. CCs do not show any damage.<br> As per the comment dated xx/xx/2024, the borrower's intention was to sell the subject property. Further details are not provided.<br> BWR1 has been xx at xx.<br> BWR2 has 16.08 years on the job as a xx at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Property Marketability Issues (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject property is ineligible, and the subject condo project is involved in litigation. Further details not provided. Elevated for client review." |  | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test due to finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$459.55. Reason for finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase, originated on xx/xx/2021 and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 2418852 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3545.24 | 12/03/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2434.01 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 44.308% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of $xx in favor of xx.<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024-2025 was paid in the amount of $1,772.62 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 is due in the total amount of $1,772.62 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,434.01 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,434.01 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property has been occupied by the owner.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br>BWR has been xx at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Higher-Priced Mortgage Loan test Fail (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the HPML test due to an APR calculated at 8.053% exceeding the APR threshold of 7.650% over 0.403%, and the subject loan is not escrowed. Subject loan originated on xx/xx/2024 and the 1-year affirmative defense period is open.<br>Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.074% exceeds APR threshold of 7.650% by 0.424%. The subject loan is not escrowed." | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 8.053% exceeds APR threshold of 7.650% over by +0.403%. Subject loan is not escrowed."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows HPML loan with no escrows. Infinity CE report shows loan failed HPML test, and the subject loan is not escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Critical | Fail | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 683 | Not Applicable |  |
| 86976110 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2248.73 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1689.84 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 705 | Not Applicable | 45.486% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 have been paid in the amount of $2,248.73 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024, and the next due date for payment is xx/xx/2025. The P&I is $1,689.84, and PITI is $2,366.89. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No evidence has been found regarding bankruptcy and foreclosure.<br> No evidence has been found regarding damage.<br>BWR has 29.33 years on the job as a xx with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "AUS from the time of closing is missing from the loan documents. Post-closure LP is available at Peterson xx." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 45.48%. Tape shows rental income miscalculation due to insufficient evidence of receipt of rental income. Further details not provided. Lender defect. Subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 29.33 years on the job as a xx with xx, FICO 600, 0X30 in the last 24 months, and $18K equity in the subject."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 does not reflect lock extension fee. Final CD dated xx/xx/2022 reflects lock extension fee at $96.87. This is an increase in fee of $96.87 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL is expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 621 | Not Applicable |  |
| 99103814 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1576.31 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4251.28 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 738 | Not Applicable | 48.195% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated on xx/xx/2022, which was recorded on xx/xx/2022 with instrument# xx in the amount of $xx in favor of xx.<br> No active judgments or liens were found.<br> The annual combined taxes for 2024 have been paid in the amount of $1,576.31 on xx/xx/2024.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,580.00 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $4,251.28 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The RFD is not available.<br> As per the seller's tape data, the occupancy of the subject property is a second home.<br> As per seller tape, BWR's income dropped during the covid pandemic.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been xx at xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed Compliance Ease delivery and timing test for Initial Closing Disclosure dated xx/xx/2022. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2022 which is less than 3 business days from the consummation date xx/xx/2022."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of loan file shows subject is a second home. BWR's income dropped during the COVID pandemic. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 48.19%. The tape shows borrower income decreased due to the COVID pandemic. Further details not provided. Lender defect. Subject originated xx/xx/2022, and the 3-year SOL is active. BWR has been xx at xx, FICO 738, 1X30 inception, and $86K equity in the subject." |  | Elevated | Not Covered | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 711 | Not Applicable |  |
| 48643502 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 6.500% | 360 |  | xx | xx |  | HELOC | Fixed |  | Refinance | 71.152% | 71.152% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | 06/01/2019 | $159255.91 | Not Applicable | 4.500% | $715.96 | 06/01/2019 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2005 and was recorded on xx/xx/2005 in the amount of $xx in favor of xx.<br> There are two prior mortgages active against the subject property in favor of xx. The first prior mortgage was originated on xx/xx/2002 and recorded on xx/xx/2002 in the amount of $xx. The second prior mortgage was originated on xx/xx/2003, which was recorded on xx/xx/2003 in the amount of $xx.<br> There is a state tax lien found against the borrower in favor of xx in the amount of $745.30, which was recorded on xx/xx/2008.<br> The taxes are to follow.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $715.96, and the interest rate is 4.50%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is xx.<br> This modification agreement was signed between the borrower and lender with an effective date of xx/xx/2019.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the seller's tape data, the subject property is owner occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx/xx/2019 shows the new modified unpaid principal balance is $xx. The borrower agreed to pay the modified monthly P&I of $715.96 with a modified interest rate of 4.50% starting on xx/xx/2019 and continuing until the new maturity date of xx/xx/2059. There is no deferred balance and principal forgiven amount. | Final Truth in Lending Discl. | xx | 2: Acceptable with Warnings |  |  | \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 689 | Not Applicable |  |
| 84503027 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $12367.66 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 6.750% | 360 |  | xx | xx |  | HELOC | ARM |  | Refinance | 90.000% | 90.000% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2005 and recorded on xx/xx/2005 in the amount of $xx with xx for xx.<br> There is one prior mortgage against the subject property in favor of xx, in the amount of $xx, originated on xx/xx/2005 and recorded on xx/xx/2005.<br> There is one credit card judgment against the borrower in favor of xx, in the amount of $3,402.21, recorded on xx/xx/2024.<br> The first installment of county taxes for 2024/2025 has been paid in the amount of $6,183.83 on xx/xx/2024.<br> The second installment of county taxes for 2024/2025 is due in the amount of $6,183.83 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to seller's tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $392.18, and the interest rate is 7.750%. The current UPB reflected as per the tape data is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the seller's tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB as per tape data is xx.<br> Unable to determine the RFD of the borrower.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | ARM Rider<br> Final Truth in Lending Discl.<br> Mortgage | xx | 4: Unacceptable | \* Mortgage missing / unexecuted (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject mortgage was originated as second lien which was recorded on xx/xx/2005. The borrower xx signed the deed of trust as trustors not as a borrower." |  | \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan documents."<br> \* Missing HELOC Disclosures (RESPA) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "HELOC disclosures are missing from the loan file."<br> \* Mortgage - Missing required ARM Rider (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ARM rider is missing from the loan file."<br> \* Mortgage Riders incomplete / inaccurate (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage riders incomplete / inaccurate." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 681 | 564 |  |
| 78182473 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $2458.86 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | Unavailable | 8.500% | 276 |  | xx | xx |  | HELOC | ARM |  | Cash Out | 86.221% | 86.221% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 645 | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | 03/01/2016 | $10033.96 | Not Applicable | 1.000% | $46.50 | 03/01/2016 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2000 and recorded on xx/xx/2000 in the amount of $xx with xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was recorded on xx/xx/1998 in the amount of $xx with xx.<br> The annual county taxes for 2024 were paid in the amount of $1,028.06 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $56.20 with an interest rate of 3.875%. The current UPB reflected as per the payment history tape data is $3,481.53. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is $3,481.53.<br> Unable to determine the RFD.<br> The loan was modified on xx/xx/2016 with a principal balance of xx.<br> No foreclosure activity has been found.<br> According to the PACER, the borrower, xx, filed bankruptcy under xx with the case #xx on xx/xx/2012. The BK was discharged, and the case was fully terminated on xx/xx/2012.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower, xx, filed bankruptcy under xx with the case #xx on xx/xx/2012. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $0.00. The BK was discharged, and the case was fully terminated on xx/xx/2012. | The step modification agreement was signed between the borrower, "xx," and the lender, "xx," with an effective date of xx/xx/2016, and the modified unpaid principal balance is $10,033.96. The modified monthly P&I of $46.50 with an interest rate of 1.000% starting on xx/xx/2016, which will be changed in 4 steps until the new maturity date of xx/xx/2035. The rate will change in four steps, which end with 3.875%. | ARM Rider | xx | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at "xx," the subject property type is manufactured home. The final title policy is missing from the loan file. The legal description attached to the subject mortgage does not show the VIN or serial number. The affidavit of affixation is not available to confirm whether the mobile home is affixed to a permanent foundation." |  | \* Mortgage - Missing required ARM Rider (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ARM rider is missing from the loan document." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 633 | Not Applicable |  |
| 65103796 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Hawaii | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $1984.33 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $754.72 | 10.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | Yes | 797 | 783 | Unavailable | Second | Final policy | XXXX | Not Applicable | 11/01/2011 | $83992.68 | Not Applicable | 4.500% | $402.33 | 11/01/2011 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 in the favor of xx for the amount of $xx, which was recorded on xx/xx/2006 in instrument #xx.<br> There is a prior mortgage that was originated on xx/xx/2006 and recorded on xx/xx/2006, instrument #xx, in the amount of $xx in favor of "xx.".<br> The first installment of combined taxes for 2024 is paid in the amount of $992.17 on xx/xx/2024.<br> The second installment of combined taxes for 2024 is due in the amount of $992.16 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $402.33, and the interest rate is 4.500%. The UPB is xx. | Collections Comments:The current status is performing.<br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $402.33, and the interest rate is 4.500%. The UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement was made between the borrower, xx and xx and the lender, xxxx, on xx/xx/2011.<br> The loan was modified in five steps with the new principal balance of $83,992.68.<br> Borrower promises to make payment with first step interest of 1.00% and P&I of $283.79 beginning from xx/xx/2011.<br> The modified maturity date is xx/xx/2040. | Good Faith Estimate | xx | 2: Acceptable with Warnings |  |  | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. Final HUD-1 dated xx/xx/2006 reflects cash to in the amount of $1,075.60."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final GFE is missing from loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 767 | 755 |  |
| 50000137 | xx | Full Review | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $6131.74 | xx | Unavailable | No | Modification/Short Sale Pending | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $2462.87 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 630 | 735 | 44.659% | First | Final policy | Not Applicable | Not Applicable | 05/01/2013 | $478460.83 | $234900.00 | 2.000% | $737.56 | 05/01/2013 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2008 with the lender xx., for the amount of $xx.<br> There is a state tax lien against the borrower in favor of the xx for the amount of $2,252.00 recorded on xx/xx/2021.<br> There is a child support lien against the borrower in favor of xx, AKA xx, recorded on xx/xx/2021. The amount of the lien is not mentioned on the supporting document.<br> There is a credit card judgment against the borrower in favor of xx, for the amount of $1,450.33 recorded on xx/xx/2021.<br> The first installment of county taxes for 2024-2025 was paid in the amount of $3,065.87.<br> The second installment of county taxes for 2024-2025 is due in the amount of $3,065.87 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $918.73 and the interest rate is 3.500%.<br> The total deferred balance is xx. <br> As per the deferral agreement located "xx," the deferred balance is $9,314.57. | Collections Comments:The loan is currently performing.<br> According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current unpaid principal balance is xx. <br> The loan has been modified twice since origination. The loan was last modified on xx/xx/2013.<br> As per the notice of default located at "xx," the foreclosure was initiated and the complaint was filed on xx/xx/2011. The sale was scheduled for xx/xx/2011. The foreclosure was cancelled on xx/xx/2011 due to the loan modification. <br> The borrowers, "xx and xx," filed for bankruptcy under xx with case #xx on xx/xx/2010. The bankruptcy was discharged on xx/xx/2010, and the case was terminated on xx/xx/2010.<br> As per the comment dated xx/xx/2023, the subject property is owner occupied. <br> As per the comment dated xx/xx/2023, the borrower's income was impacted by Covid-19. As per the seller's tape, the covid forbearance plan was approved from xx/xx/2021 to xx/xx/2022. <br> No comment pertaining to the damage to the subject property has been observed.<br>Foreclosure Comments:As per the notice of default located at "xx," the foreclosure was initiated and the complaint was filed on xx/xx/2011. The sale was scheduled for xx/xx/2011. The foreclosure was cancelled on xx/xx/2011 due to the loan modification. . <br> Bankruptcy Comments:The borrowers, "xx and xx," filed for bankruptcy under xx with case #xx on xx/xx/2010. The schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is xx. The bankruptcy was discharged on xx/xx/2010, and the case was terminated on xx/xx/2010.<br>| The modification agreement was made on xx/xx/2013 between the borrowers, "xx and xx," and the lender, "xx" As per the modified terms, the new principal balance is $478,460.83 with the deferred principal balance of $234,900.00 and the interest bearing principal balance is $243,560.83. There are 3 steps of modification. The borrower agreed to pay the P&I of $737.56 and an interest rate of 2.000% beginning on xx/xx/2013 until the maturity date of xx/xx/2053. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. Final HUD-1 reflects cash to in the amount of $299.02."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $0.00 exceeds the per diem interest charge or credit threshold $-342.47."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $xx. Calculated finance charge is $xx for an under disclosed amount of -$320.47. Reason for finance charge under disclosure is unknown as the fee itemization is missing."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 9054551 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $48965.98 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3402.08 | 8.165% | 362 |  | xx | xx |  | HELOC | Unavailable |  | Refinance | 72.807% | 72.807% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with the lender xx, for the amount of $xx. <br> There are two prior mortgages against the subject property. The first prior mortgage was originated on xx/xx/2006 in the amount of $xx in favor of xx., which was recorded on xx/xx/2006, and the second prior mortgage was originated on xx/xx/2007 in favor of xx in the amount of $xx and recorded on xx/xx/2007.<br> There is a civil judgment against the borrower in favor of xx for the amount of $xx, which was recorded on xx/xx/2019.<br> The first installment of county taxes for 2024 was paid on xx/xx/2024 in the amount of xx. <br> The second installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $2,411.90 with an interest rate of 7.490%. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Note<br> Origination Appraisal | xx | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The note is missing from the loan file. The lost note affidavit was not found in the loan file. The loan has not been modified since origination." | \* Missing Borrower Billing Rights (RESPA) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Borrower billing rights is missing from the loan file."<br> \* Missing HELOC Disclosures (RESPA) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "HELOC disclosure is missing from the loan file." | \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal is missing from the loan documents. Zillow search shows an estimated value of $XXXX. Current UPB $381K."<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 782 | 787 |  |
| 79954568 | xx | Full Review | xx |  | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1567.32 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $633.33 | 7.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.454% | 98.454% | Full Documentation | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 33.080% | First | Short Form Policy | Not Applicable | Not Applicable | 08/01/2015 | $71194.02 | $44074.95 | 4.000% | $109.43 | 08/01/2015 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2001 in the amount of $xx with the lender xx., which was recorded on xx/xx/2001.<br> No active judgments or liens have been found.<br> Annual county and city taxes for 2024 were paid in the amount of $1,567.32.<br> No prior year's delinquent taxes have been found. | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $109.43 with an interest rate of 4.00%. The current UPB reflected as per the payment history tape data is xx and the deferred balance is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx and the deferred balance is xx.<br> Unable to determine the reason for default.<br> The loan was modified on xx/xx/2015 with principal balance of $xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step loan modification agreement was signed between the borrower and lender on xx/xx/2015, and the new principal balance is $71,194.02. The deferred balance is $44,074.95, and the interest-bearing amount is $27,119.07. The borrower promised the monthly P&I of $82.12 with an interest rate of 2.00% starting on xx/xx/2015, which will be changed in 3 steps until the new maturity date of xx/xx/2055. The rate will change in 3 steps, which ends with 4.00%. | Credit Report<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage insurance certificate is missing from loan documents."<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from the loan file." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 461 | Not Applicable |  |
| 37489065 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | Second |  | $0.00 | $6110.14 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 8.750% | 360 |  | xx | xx |  | HELOC | Revolving |  | Refinance | 83.380% | 83.380% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and recorded on xx/xx/2006 in the amount of $xx with "xx."<br> There is a prior mortgage against the subject property that was originated on xx/xx/2005 in favor of xx, in the amount of $xx, which was recorded on xx/xx/2005.<br> The first installment of county taxes for 2024-25 was paid in the amount of $3,055.07 on xx/xx/2024.<br> The second installment of town taxes for 2025 is due in the amount of $3,055.07 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $307.47 with an interest rate of 8.50%. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx.<br> As per the seller's tape, the borrower's income was impacted by COVID-19. The borrower was on the COVID-19 FB Plan that was started on xx/xx/2020 and ended on xx/xx/2021.<br> Unable to determine the RFD.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Notice of Servicing Transfer<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of servicing transfer disclosure is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 29215770 | xx | Full Review | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $7190.88 | xx | xx | No | Other | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $4579.44 | 7.550% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 79.540% | 99.425% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 650 | 619 | 37.364% | First | Final policy | Not Applicable | XXXX | 04/01/2022 | $866387.97 | $411300.00 | 3.625% | $1797.25 | 04/01/2022 | Financial Hardship | According to updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 in favor of xx. for the amount of $xx which was recorded on xx/xx/2006.<br> There is one junior state tax lien against the subject borrower in favor of xx for the amount of $xx which was recorded on xx/xx/2019. The supporting document located at "xx" shows the above lien is attached to all the property owned by the borrower.<br> The first installment of county taxes for 2024 was paid in the amount of $3,595.44 on xx/xx/2024. <br> The second installment of county taxes for 2024 is due in the amount of $3,595.44 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the seller tape, the borrower is current with the loan. The next due date is xx/xx/2025. Unable to determine the last payment received date. As per the tape, the current P&I is $1,797.25 and the interest rate is 3.625%. The current UPB is xx and deferred balance is xx. | Collections Comments:The current status of the loan is performing.<br> According to the seller tape, the borrower is current with the loan. The next due date is xx/xx/2025. Unable to determine the last payment received date. As per the tape, the current P&I is $1,797.25 and the interest rate is 3.625%. The current UPB is xx and deferred balance is xx. <br> The foreclosure was initiated. As per UT, the complaint was filed on xx/xx/2007. As per the notice of sale document located at "xx", the sale was scheduled for xx/xx/2008. The notice of rescission was recorded on xx/xx/2011, which is located at "xx". Further details not provided. <br> As per the PACER, the borrower "xx and xx" filed for bankruptcy under xx with case #xx on xx/xx/2012. The bankruptcy case was discharged on xx/xx/2012 and terminated on xx/xx/2012. <br> The modification agreement was made between the borrower and lender on xx/xx/2022.<br> Unable to determine the RFD.<br> As per tape data, the servicer provided Covid-19 FB plan to the borrower from xx/xx/2020 to xx/xx/2021. <br> As per tape data, the subject property is owner occupied. <br> No damage or repairs have been found.<br>Foreclosure Comments:The foreclosure was initiated. As per UT, the complaint was filed on xx/xx/2007. As per the notice of sale document located at "xx", the sale was scheduled for xx/xx/2008. The notice of rescission was recorded on xx/xx/2011, which is located at "xx". Further details not provided. <br> Bankruptcy Comments:As per the PACER, the borrower "xx and xx" filed for bankruptcy under xx with case #xx on xx/xx/2012. The schedule D of voluntary petition shows that the amount of claim without deducting the value of the collateral is xx and the value of the collateral is xx. The unsecured portion is xx. The bankruptcy case was discharged on xx/xx/2012 and terminated on xx/xx/2012.  | The modification agreement was made between the borrower and lender on xx/xx/2022 and the new principal balance is $xx out of which the deferred balance is $411,300.00 and the interest-bearing amount is $455,087.97. The borrower promises to pay P&I in the amount of $1,797.25 with modified interest rate of 3.625% beginning from xx/xx/2022 until the maturity date of xx/xx/2051. There is a balloon provision in the amount of $192,986.93 is due and payable on the maturity date.  | Loan Program Info Disclosure<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 550 | 662 |  |
| 30094426 | xx | Full Review | xx |  | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $5182.66 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2658.53 | 6.350% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 80.000% | 85.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 40.155% | First | Final policy | Not Applicable | XXXX | 01/01/2014 | $348152.58 | $136752.58 | 4.125% | $866.94 | 01/01/2014 | Financial Hardship | As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 in the amount of $xx in favor of xx. <br> There is an active prior mortgage against the subject property in favor of xx in the amount of $xx which was recorded on xx/xx/2002.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of $2,591.33 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the amount of $2,591.33 on xx/xx/2025.<br> The water/sewer charges for 2024 are due in the amount of $44.16 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history tape data as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2025. Unable to determine the last payment received date. The current P&I is $866.94 and the interest rate is 4.125%. The current UPB is xx. Tape shows the deferred balance is xx. <br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history tape data as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2025. Unable to determine the last payment received date. The current P&I is $866.94 and the interest rate is 4.125%. The current UPB is xx. Tape shows the deferred balance is xx. <br> No bankruptcy and foreclosure evidence has been found. <br> The step modification agreement was made between the borrower and lender on xx/xx/2014.<br> Unable to determine the RFD. <br> As per tape data, the subject property is owner occupied. <br> No damage or repairs have been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement was made between the borrower and lender on xx/xx/2014 and the new principal balance is $348,152.58. The modified monthly P&I is $866.94 with a modified interest rate of 4.125% starting on xx/xx/2014, which will be changed in 04 steps until the new maturity date of xx/xx/2053. The rate will change in 04 steps which ends with 4.125%. The deferred balance is $136,752.58 and the interest bearing amount is $211,400.00. As per the seller's tape data, modification agreement and the document dated xx/xx/2014 located at "xx", the lender agreed to forgive the total principal amount of $82,127.41 which exceeds 2% of the modified principal balance. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the per diem interest amount test."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR transaction date not consistent with note and/or HUD." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 716 | Not Applicable |  |
| 70779114 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | Second |  | $0.00 | $3570.06 | xx | xx | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 9.750% | 360 |  | xx | xx |  | HELOC | ARM |  | Refinance | 84.000% | 84.000% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | 02/01/2019 | $34541.48 | Not Applicable | 5.750% | $184.07 | 02/01/2019 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and recorded on xx/xx/2006 in the amount of $xx with "xx.".<br> There is an active prior mortgage against the subject property originated on xx/xx/2006 which was recorded on xx/xx/2006 in the amount of $xx with xx.<br> There are two IRS liens against the subject borrower in the total amount of $xx in favor of the xx, which were recorded on xx/xx/2016 and xx/xx/2016.<br> There is a civil judgment against borrower xx, aka xx, in the amount of $xx in favor of xx., which was recorded on xx/xx/2015.<br> The first installment of county taxes for 2024-2025 was paid in the amount of $1,785.03 on xx/xx/2024.<br> The second installment of county taxes for 2024-2025 is due in the amount of $1,785.03 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.  | According to payment history as per tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine last payment received date. The current P&I is $184.07 with an interest rate of 5.75%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as per tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine last payment received date. The current P&I is $184.07 with an interest rate of 5.75%. The current UPB is xx.<br> As per seller tape data and UT, the foreclosure was initiated in 2018 and the notice of default was filed on xx/xx/2018 with the case #xx. The cancellation of notice of default was entered on xx/xx/2019 and recorded on xx/xx/2019. Further details not found.<br> No information has been found regarding bankruptcy. <br> As per seller tape data, the subject property is occupied by the borrower.<br> No evidence has been found regarding damages.<br> The loan modification agreement was made between the borrower and lender on xx/xx/2019.<br> As per seller tape data, the borrower's income is impacted by COVID-19. Further details not found.<br> The RFD is not available. <br> Foreclosure Comments:As per seller tape data and UT, the foreclosure was initiated in 2018 and the notice of default (xx) was filed on xx/xx/2018 with the case #xx. The cancellation of notice of default (xx) was entered on xx/xx/2019 and recorded on xx/xx/2019. Further details not found.<br> Bankruptcy Comments:Not Applicable | <br> This modification agreement signed between the borrower and lender with an effective date of xx/xx/2019, shows the new modified unpaid principal balance $xx. The borrower agreed to pay the modified monthly P&I of $184.07 with a modified interest rate of 5.75% starting on xx/xx/2019 and continuing until the new maturity date of xx/xx/2059.  | Condo/PUD Rider<br> Final Truth in Lending Discl. | xx | 2: Acceptable with Warnings |  |  | \* Condo / PUD rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "PUD rider is not attached with recorded mortgage."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final truth in lending is missing from the loan documents."<br> \* Missing Borrower Billing Rights (RESPA) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Borrower billing rights (RESPA) are missing from the loan documents."<br> \* Missing HELOC Disclosures (RESPA) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "HELOC disclosure (RESPA) is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 695 | 739 |  |
| 88093504 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | Unavailable | xx | xx | No | No | Not Applicable | Second |  | $0.00 | $5493.86 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Not Applicable | 8.750% | 360 |  | xx | xx |  | HELOC | ARM |  | Refinance | 86.957% | 86.957% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and was recorded on xx/xx/2007 in the amount of $xx in favor of xx.<br> There is an active prior mortgage in favor of xx, in the amount of $xx, which originated on xx/xx/2007 and was recorded on xx/xx/2007.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $5,493.86 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2024,, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $443.06, and the interest rate is 8.250%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $443.06, and the interest rate is 8.250%. The UPB is xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape, the property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | ARM Rider<br> Note<br> Right of Rescission | xx | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The original note along with lost note affidavit is missing from the loan file. The loan has not been modified since origination." |  | \* Missing Borrower Billing Rights (RESPA) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "BWR's billing rights disclosure is missing from the loan documents."<br> \* Missing HELOC Disclosures (RESPA) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "HELOC disclosure is missing from the loan documents."<br> \* Mortgage - Missing required ARM Rider (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ARM rider is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 3989533 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2536.17 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $0.00 | 6.900% | 360 |  | xx | xx |  | HELOC | ARM |  | Refinance | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | No | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2005 and was recorded on xx/xx/2005 in the amount of $xx in favor of xx with the instrument \| Book/Page#xx.<br> There is an active prior mortgage against the subject property in favor of xx, in the amount of $xx, which originated on xx/xx/2005 and was recorded on xx/xx/2005 with the instrument \| Book/Page#xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $2,536.17 on xx/xx/2024 and xx/xx/2024.<br> The annual sewer charges for 2025 have been due in the amount of $66.54 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $157.50, and the interest rate is 8.150%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data, the borrower is current with the loan, and the next due date is xx/xx/2025. As per the tape, the current P&I is $157.50, and the interest rate is 8.150%. The UPB is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is a servicing problem.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> As per tape data, the borrower's income has been impacted due to the Covid-19 pandemic, and the forbearance plan began on xx/xx/2020 and ended on xx/xx/2021.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | ARM Rider<br> Note | xx | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The original note along with lost note affidavit is missing from the loan file. The loan has not been modified since origination." |  | \* Index value unable to confirm. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Index value is unable to confirm due to supporting documents are missing from the loan file."<br> \* Missing HELOC Disclosures (RESPA) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "HELOC disclosure is missing from the loan documents."<br> \* Mortgage - Missing required ARM Rider (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ARM rider is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 771 | Not Applicable |  |
| 78907455 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | Yes | xx | Not Applicable | Unavailable | 4.250% | 360 |  | xx | xx |  | HELOC | ARM |  | Refinance | 79.231% | 79.231% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2003 and was recorded on xx/xx/2003 in the amount of $xx in favor of xx.<br> There is an active prior mortgage against the subject property in favor of xx in the amount of $xx which originated on xx/xx/1997 and recorded on xx/xx/1997 with the instrument# xx <br> There are 02 civil judgments found against the borrower in the total amount of $xx filed by different plaintiffs and recorded on xx/xx/2016 and xx/xx/2022. <br> There are 02 credit card judgments found against the borrower in the total amount of $xx filed by different plaintiffs and recorded on xx/xx/2019 and xx/xx/2023. <br> The tax certificate is required.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Unable to determine last payment received. As per tape, the current monthly P&I is $508.56 with an interest rate of 8.00%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is xx.<br> The reason for default is not available.<br> As per tape data, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> The borrower filed for bankruptcy under xx with case#xx on xx/xx/2008. The bankruptcy was discharged on xx/xx/2008.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx filed for bankruptcy under xx with case#xx on xx/xx/2008. As per voluntary petition schedule D (xx), the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $0.00. The bankruptcy was discharged on xx/xx/2008. | Not Applicable | Note<br> Origination Appraisal | xx | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The original note is missing. The lost note affidavit is not available in the loan file. Also, the loan was not modified." | \* Missing Borrower Billing Rights (RESPA) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Borrower billing rights is missing from the loan documents."<br> \* Missing HELOC Disclosures (RESPA) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "HELOC disclosures are missing from the loan documents." | \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is missing from the loan documents. Zillow search shows an estimated value of $XXXX. Current UPB $33K." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 747 | 700 |  |
| 60165707 | xx | Full Review | xx |  | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $501.40 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $309.08 | 4.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 87.143% | 87.143% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 663 | Not Applicable | 23.264% | First | Final policy | Not Applicable | Not Applicable | 10/01/2020 | $48494.72 | $4113.58 | 3.250% | $165.34 | 10/01/2020 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and recorded on xx/xx/2006 in the amount of $xx with xx.<br> No active judgment or lien has been found.<br> The first and second installments of county taxes for the year 2023 have been paid in the amount of $254.81 on xx/xx/2024.<br> The first and second installments of county taxes for the year 2024 are due in the amount of $501.40 on xx/xx/2025.<br> Water sewer taxes are delinquent in the amount of $2908.18, good through on xx/xx/2025. | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $165.34 and PITI is $207.81 with an interest rate of 3.250%. The current UPB reflected as per the tape data is xx. Tape data reflects a deferred balance of $7,759.42. | Collections Comments:The current status of the loan is performing.<br> According to the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB, as per tape data, is xx. <br> The loan was modified on xx/xx/2020. <br> As per the collection comment dated xx/xx/2024, the RFD was curtailment of income.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> No comment pertaining to damage to the subject property has been observed.<br> According to seller's tape data, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx/xx/2020. As per the modified term, the new principal balance is $48,494.72. The monthly P&I is $165.34 with an interest rate of 3.250% beginning on xx/xx/2020 and a maturity date of xx/xx/2060. | Loan Program Info Disclosure | xx | 2: Acceptable with Warnings |  |  | \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is ARM transaction and loan program disclosure is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 625 | Not Applicable |  |
| 84897208 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $8176.34 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 7.100% | 360 |  | xx | xx |  | HELOC | Revolving |  | Refinance | 90.519% | 90.519% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | 03/01/2013 | $164904.14 | Not Applicable | 4.000% | $662.45 | 03/01/2013 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2005 and was recorded on xx/xx/2005 in the xx<br> There is an active prior mortgage against the subject property in xx which originated on xx/xx/2004 and was recorded on xx/xx/2005 with the xx<br> The 1st installment of county taxes for 2024-2025 was paid in the amount xx<br> The 2nd installment of county taxes for 2024-2025 is due in the amount of xx<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $652.84, and the interest rate is 4.000%. The UPB xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $652.84, and the interest rate is 4.000%. The UPB is xx<br> The reason for default is unable to be determined.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> According to the PACER, the borrower xx on xx/xx/2009. The bankruptcy was discharged on xx/xx/2012 and terminated on xx/xx/2012.<br> The loan was modified on xx/xx/2013.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx on xx/xx/2009. As per thexx, the amount of the claim without deducting the value of the collateral is xx The unsecured portion is $0.00. Thexx, and the amount of arrearage is xx. xx plan was filed on xx/xx/2010 and confirmed on xx/xx/2010. The borrower has promised to make a monthly mortgage payment of $465.46 for 60 months to the trustee under the xx. The bankruptcy was discharged on xx/xx/2012 and terminated on xx/xx/2012. | The step modification agreement signed between the borrowexx with an effective date of xx/xx/2013 shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of $437.20 with a modified interest rate of 1.000% starting on xx/xx/2013, which will be changed in 04 steps until the new maturity date of xx/xx/2050. The rate will change in 04 steps, which ends with 4.000% and P&I of $662.45. | Final Truth in Lending Discl.<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Right of rescission is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 766 | 766 |  |
| 4400059 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | Unavailable | xx | xx | No | No | Not Applicable | Second |  | $0.00 | $5010.07 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | Unavailable | 4.750% | 360 |  | xx | xx |  | HELOC | Revolving |  | Refinance | 89.983% | 89.983% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2004 and was recorded on xx/xx/2004 in the amount of xx<br> There is an active prior mortgage against the subject property in xx which originated on xx/xx/2004 and recorded on xx/xx/2004.<br> There is an active junior mortgage against the subject property in favor xx which originated on xx/xx/2017 and was recorded on xx/xx/2017.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $60.39 and interest rate is 7.750%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is xx.<br> The reason for default is not available.<br> As per tape data, the property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> According to the PACER, the borrower had filed for bankruptcy xx The bankruptcy was discharged on xx/xx/2013 and terminated on xx/xx/2013.<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrowers xx on xx/xx/2013. As per voluntary petition xx the amount of claim without deducting the value of the collateral is xx and the value of the collateral isxx. The unsecured portion is $0.00. The bankruptcy was discharged on xx/xx/2013 and terminated on xx/xx/2013. | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 22894473 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $6159.50 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 9.200% | 360 |  | xx | xx |  | HELOC | ARM |  | Refinance | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | 01/01/2012 | $47175.79 | Not Applicable | 4.500% | Unavailable | 01/01/2012 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and was recorded on xx/xx/2007 in the amount of xx<br> There is an active prior mortgage against the subject property xxwhich originated on xx/xx/2007 and was recorded on xx/xx/2007 with the xx<br> The 1st installment of county taxes for 2024-2025 was paid in the total amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $154.90, and the interest rate is 4.50%. The UPB isxx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is xx<br> The reason for the default is not available.<br> The loan was modified on xx/xx/2012.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape, the subject property is owner occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower and lender with an effective date of xx/xx/2012 shows the new modified unpaid principal balance is xx out of which $28,472.81 is the interest-bearing amount. The borrower agreed to pay the modified monthly payments of $129.83 with a modified interest rate of 1.00% starting on xx/xx/2012, which will be changed in 5 steps until the new maturity date of xx/xx/2048. The rate will change in 5 steps, which ends with 4.50%. As per the modification agreement, the lender has forgiven principal in the amount of $18,702.98. | ARM Rider<br> Final Truth in Lending Discl. | xx | 2: Acceptable with Warnings |  |  | \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan documents."<br> \* Missing HELOC Disclosures (RESPA) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "HELOC disclosure is missing from the loan documents."<br> \* Mortgage - Missing required ARM Rider (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ARM rider is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 704 | 770 |  |
| 80329411 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Unavailable | xx | xx | Yes | No | Not Applicable | Second |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 9.150% | 360 |  | xx | xx |  | HELOC | Revolving |  | Refinance | 89.989% | 89.989% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | 01/01/2014 | $64308.32 | $14270.02 | 4.250% | $203.40 | 01/01/2014 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and was recorded on xx/xx/2006 in the amount ofxx There is an active prior mortgage against the subject property in xx, which originated on xx/xx/2006 and was recorded on 0xx/xx/2006 with the xx There is a writ of civil judgment against the xx The amount of judgment is greater than the loan amount. <br> The RE tax status is not available in UT.<br> No prior year's delinquent taxes have been found. | As per the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The P&I is $190.39 with an interest rate of 4.25%. The current UPB isxx, and the deferred amount is xx. | Collections Comments:The current status of loan is performing. As per the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB isxx and the deferred amount is xx. CCs do not show damages. Unable to determine the reason for default. As per tape data, the subject property is occupied by the borrower. No information has been found regarding foreclosure and bankruptcy. The loan was modified on xx/xx/2014. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement made between the xx out of which $50,038.30 is an interest-bearing amount and the deferred amount is $14,270.02. The modified monthly P&I is $127.39 with a modified interest rate of 1.000% starting on xx/xx/2014, which will be changed in 05 steps until the new maturity date of xx/xx/2053. The rate will change in 05 steps, which ends with 4.250%. | 1-4 Family Rider<br> Missing or error on the Rate Lock<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing required 1-4 family rider (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "1-4 family rider is missing from the loan documents"<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 753 | Not Applicable |  |
| 47405436 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $6536.26 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 7.500% | 360 |  | xx | xx |  | HELOC | ARM |  | Refinance | 90.000% | 90.000% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | 04/01/2022 | $44918.55 | Not Applicable | 2.250% | $142.01 | 04/01/2022 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and was recorded on xx/xx/2006 in the amount xx<br> There is an active prior mortgage against the subject property xx which originated on xx/xx/2006 and was recorded on xx/xx/2006 with the instrumentxx<br> There are 2 state tax liens found in the total amount of xx filed by different plaintiffs, which were recorded on xx/xx/2017 & xx/xx/2024. The SSN# mentioned on supportive documents is inconsistent.<br> There is a credit card judgment found in favor of xx. in the amount of $2,935.68, which was recorded on xx/xx/2016. The 1st installment of county taxes for 2024 was paid in the amount of $3,268.13 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the amount ofxx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $142.01, and the interest rate is 2.250%. The UPB isxx | Collections Comments:The current status of the loan is performing. <br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. As per the tape, the current P&I is $142.01, and the interest rate is 2.250%. The UPB is xx.<br> The reason for the default is not available.<br> The loan was modified on xx/xx/2022.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> As per tape data, the borrower's income has been impacted due to Covid-19 pandemic and the forbearance plan began on xx/xx/2020 and ended on xx/xx/2021.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrowersxx with an effective date of xx/xx/2022 shows the new modified unpaid principal balance is $44,918.55. The borrower agreed to pay the modified monthly P&I of $142.01 with a modified interest rate of 2.250% starting on xx/xx/2022 and continuing until the new maturity date of xx/xx/2062. There is no deferred balance and principal forgiven amount. | ARM Rider<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Index value unable to confirm. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Index value is unable to confirm due to supporting documents are missing from the loan file."<br> \* Mortgage - Missing required ARM Rider (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ARM rider is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 732 | 786 |  |
| 90890319 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $1599.62 | xx | xx | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 9.500% | 360 |  | xx | xx |  | HELOC | ARM |  | Refinance | 55.556% | 55.556% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and was recorded on xx/xx/2007 in the amount of xx<br> There are 02 active prior mortgages against the subject property which were recorded prior to the subject mortgage. The first prior mortgage was recorded on xx/xx/2002 in the amount of xx with the lenderxx and the second mortgage was recorded on xx/xx/2005 in the amount of xx<br> There is a civil judgment found against the borrower in the total amount of $xxInc. & recorded on xx/xx/2019. The amount of civil judgment is greater than the loan amount.<br> There are 03 credit card judgments found against the borrower in the total amount ofxxfiled by different plaintiffs & recorded on different dates. The amount of credit card judgments is greater than the loan amount.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount ofxon xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount ofx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $383.79, and the interest rate is 9.000%. The UPB is xx. The loan type is HELOC, and the borrower is making interest payments only. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $383.79, and the interest rate is 9.000%. The UPB is xx.<br> The reason for the default is not available.<br> The foreclosure was initiated in this loan in 2019, and the notice of lis pendens located at xx was filed on xx/xx/2009 in favor of xx which was recorded on xx/xx/2020. As per the rescission of notice of default located atxx the foreclosure case has been canceled on xx/xx/2020.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the property is owner-occupied.<br> Foreclosure Comments:The foreclosure was initiated in this loan in 2019, and the notice of lis pendens located at xxwas filed on xx/xx/2009 in favor of xx, which was recorded on xx/xx/2020. As per the rescission of notice of default located at xx the foreclosure case has been canceled on xx/xx/2020.<br> Bankruptcy Comments:Not Applicable | Not Applicable | ARM Rider<br> Credit Report | xx | 2: Acceptable with Warnings |  |  | \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from the loan file."<br> \* Missing HELOC Disclosures (RESPA) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "HELOC disclosures (RESPA) is missing from the loan documents"<br> \* Mortgage - Missing required ARM Rider (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ARM rider is missing from the loan documents"<br> \* Mortgage Riders incomplete / inaccurate (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage riders incomplete/inaccurate" |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 607 | Not Applicable |  |
| 54445191 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $535.45 | 11/29/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2058.15 | 5.990% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 662 | 662 | 49.777% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount ofxx<br> No active judgments or liens have been found. <br> The annual county taxes for 2024 were paid in the amount of $514.03 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,647.17, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,058.15 with an interest rate of 5.990%. The current UPB is xx.<br>| Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br>BWR1 hasxx<br> BWR2 hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows borrowers did not meet the exception guidelines for owning 2 FHA loans. HUD issued a notice of rejection. Further details were not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 639 | 624 |  |
| 23338011 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Florida | xx | xx | No | No | Not Applicable | Other |  | $0.00 | $1943.56 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $439.84 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mixed Use | xx | xx | Investor | Yes | Yes | No | 669 | Not Applicable | 41.336% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of xx<br> No active judgments or liens have been found.<br> As per the satisfaction of mortgage document located atxxthe subject mortgage was satisfied on xx/xx/2024, and it was recorded on xx/xx/2024.<br> The first and second installments of county taxes for 2023 were paid in the total amount of $1,943.56 on xx/xx/2024 and xx/xx/2024, respectively.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $678.90, which was applied for the due date of xx/xx/2024. The current P&I is $439.84, and the rate of interest is 7.99%. The current UPB reflected as per the payment history tape is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape is xx.<br> As per the collection comment dated xx/xx/2024, the reason for default was excessive obligations.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the collection comment dated xx/xx/2024, the subject property was occupied by the owner. CCs do not show any damage.<br> xxxx/xx/2021 and xx/xx/2022 for 9 months. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Property is Mixed Use (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject is a mixed use property consisting of 2 livable units and an additional unpermitted unit available for storage, small business. The unpermitted unit is not livable as there is no kitchen and has been used in the past for business purposes. Elevated for client review." | \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XX. Comp #2, with a sales price ofxx, is closest to the subject property. Zillow search shows an estimated value of $XX. Current UPB is $59K." | \* Settlement date is different from note date (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2024. Note date is xx/xx/2024. Final CD reflects closing date as xx/xx/2024." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 639 | Not Applicable |  |
| 74396219 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $357.48 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3180.47 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 99.750% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 687 | Not Applicable | 45.295% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 in favor of xx<br> There is one junior mortgage open against the subject property originated on xx/xx/2024 in favor of xxwhich was recorded on xx/xx/2024 with xx<br> The first, second, and third installments of county taxes for 2025 were paid in the total amount of $1,072.44.<br> The fourth installment of county taxes for 2025 is due in the amount of $357.48 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2025. As per the payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $3,180.47 with an interest rate of 7.625%. The current UPB reflected as per payment history is xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2025. As per the payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB reflected as per payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner.<br>BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 45.30%. Review of file shows lender miscalculation including $75K depreciation as income for BWR. xx Revised DTI is 175.27%. Lender defect. The subject loan was originated on xx/xx/2024, the 3-year SOL is active, xx." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.532% exceeds APR threshold of 7.860% over by +0.672%. Subject loan is escrowed."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows subject is a conventional first mortgage with HFA secondary financing in the amount of xx. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home loan toolkit is missing from the loan documents." | \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.582% exceeds APR threshold of 7.860% over By +0.722%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 593 | Not Applicable |  |
| 29115619 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11653.41 | 01/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3632.48 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 93.000% | 93.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | No | No | 775 | Not Applicable | 41.353% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount ofxx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024/2025 is due in the total amount of $6,409.38 on xx/xx/2025.<br> The 1st and 2nd installments of county taxes for 2023/2024 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,845.11, which was applied for the due date of xx/xx/2025. The current monthly P&I is $3,632.48 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $3,632.48 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available in the latest servicing comments.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> As per the tape, the subject property is owner-occupied.<br> BWR wasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as is, and the improvement section is the closed porch attached to the garage, which requires minor repairs that are considered cosmetic in nature, and tape shows UW did not review the appraisal. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 53793807 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $2367.28 | $3237.19 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1086.61 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 48.445% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and was recorded on xx/xx/2023 in the xx<br> There are 2 UCC liens found against the subject property filed byxxwhich were recorded on xx/xx/2024 and xx/xx/2024.<br> The annual county taxes for 2023 were paid in the amount of $1,453.97 on xx/xx/2023.<br> The annual school taxes for 2023 were paid in the amount of $1,396.28 on xx/xx/2023.<br> The annual utilities charges for 2023 were paid in the amount of $1,023.41 on xx/xx/2024.<br> The 2024 county and school annual taxes have been delinquent in the total amount of $2,367.28, which was due on xx/xx/2005 and good through xx/xx/2025.<br> The 2024 annual utilities charges have been delinquent in the amount of $869.91, which was due on xx/xx/2025 and good through xx/xx/2025. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,496.71 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,086.61 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available.<br> As per tape data, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> BWRxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 48.445%. Tape shows income miscalculation over use of OT. Revised DTI is 63.64%. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. xx<br>Downgrade to LVL2 based on PH."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$149.80. The subject loan is a purchase, originated on xx/xx/2023 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 86520903 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1361.46 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $682.19 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | No | xx | xx | 25.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 726 | Not Applicable | 49.824% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with the lender xx<br> No active liens or judgments have been found against the borrower or subject property. <br> The annual county taxes for 2024 were paid in the amount of $1,400.33. <br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $868.70 which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $682.19 and the interest rate is 3.250%. The due date has been advanced from xx/xx/2023 to xx/xx/2024 due to a forbearance adjustment. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The unpaid principal balance is xx.<br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy. <br> As per the seller's tape, the subject property is owner occupied. <br> The reason for the default is unable to be determined. <br> No comment pertaining to the damage to the subject property has been observed. <br> BWR xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows assets miscalculated by xx. Gift assets of $3K are not supported by evidence of receipt, and excluding the gift, the cash-to-close requirement is xx is not satisfied. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. xx<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.82% as the borrower's income is $2,124.00 and total expenses are in the amount of $1,058.27 and the loan was underwritten by xxrecommendation is Accept/Eligible with a DTI of 50%." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 41208254 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Utah | xx | xx | xx | Utah | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1899.50 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2245.26 | 5.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 95.000% | 95.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | No | Not Applicable | Unavailable | 723 | Not Applicable | 44.992% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 in thexx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 were paid in the amount of $1,899.50.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,412.98 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $2,245.26, and the interest rate is 5.250%. The current UPB is xx. | Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,412.98 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $2,245.26, and the interest rate is 5.250%. The current UPB is xx.<br> As per the comment dated xx/xx/2023, the RFD was curtailment of income. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Flood Certificate<br> Initial 1003_Application<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject was approved as OO. Tape shows subject is NOO, as the property was listed for rent soon after closing. Further details not provided. Elevated for client review." | \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Missing flood cert (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Flood certificate is missing from the loan documents"<br> \* Missing Initial 1003_Application (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Settlement services provider list is missing from loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 44.99%. Tape shows subject is NOO as the property was listed for rent soon after closing, causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWRxxFICO 723, 3X30 since inception, and $52K equity in the subject."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete due to initial CD missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2023 and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 70641304 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3728.84 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3716.18 | 7.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 3 Family | xx | xx | Primary | Yes | Yes | No | 747 | Not Applicable | 49.640% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount xx<br> No active judgment or lien has been found.<br> The town taxes for 2024 are paid in the total amount of $4,802.37 on xx/xx/2024 and xx/xx/2024, respectively.<br> The town taxes for 2025 are due in the amount of $3,728.84 on xx/xx/2025 and xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,931.89 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,716.18 with an interest rate of 7.490%. The current UPB is xx. | Collections Comments:The current status of loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> CCs do not show damages. <br> No information has been found for FC and BK. <br> As per tape data, the subject property is occupied by the borrower. <br> BWR xx<br> BWR had multiple jobs in the past.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. Tape indicates that the property is NOO due to misrepresentation. Further details were not provided. Elevated for client review." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed Prohibited Fees Test due to the inclusion of following list of fees:<br> 2 Day Extension paid by Borrower: $266.00<br> 9 Day Extension paid by Borrower: $1,197.00<br> Notice of Settlement Fee paid by Borrower: $20.00<br> Real Estate Commission paid by Borrower: xx<br> Title - Tax Report paid by Borrower: $60.00<br> Title- FL Form 9 paid by Borrower: $1,500.00<br> Warehousing Fee paid by Borrower: $50.00"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2024 delivered on xx/xx/2024 which is more than 3 business days from initial application date xx/xx/2024."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 49.64%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense, and revised DTI is 72.24%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. xx<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.441% exceeds APR threshold of 8.270% over by +0.171%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.385% Exceeds APR threshold of 8.270% Over By +0.115%. Subject loan is escrowed." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 90887377 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5969.00 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3114.29 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 773 | Not Applicable | 48.532% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in thexx<br> No active judgments or liens were found.<br> The 1st, 2nd, and 3rd installments of county taxes for 2024 were paid in the total amount of $4,238.44 on xx/xx/2024, xx/xx/2024 and xx/xx/2024<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2025. As per tape data, the next due date is xx/xx/2025. The current P&I is $3,114.29, and the interest rate is 7.625%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2025. As per tape data, the next due date is xx/xx/2025. The current P&I is $3,114.29, and the interest rate is 7.625%. The UPB is xx.<br> The occupancy of the subject property is unable to be determined.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> According to an updated title report dated xx/xx/2025, there is a notice of commencement filed inxx for scope shingle re-roofing, which was recorded on xx/xx/2024. The amount is not mentioned in the supportive document. File does not show completion.<br> BWR hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved at 48.532%. Tape shows UW used 100% of subject rents instead of 75%. The revised DTI is 59.75%. Further details not provided. Lender defect. BWR has xx. Subject loan originated on xx/xx/2024 and the 3 year SOL is active. FICO 773. 0X30 since inception, and $120K equity in the subject. Residual income is $2,715." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 59247936 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $84.33 | 01/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1524.53 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 717 | Not Applicable | 49.543% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the xx<br> No active judgments or liens were found.<br> The 2024 combined annual taxes were paid in the amount of $84.33 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,676.27. The current monthly P&I is $1,524.53 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $1,524.53 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 49.54%. The tape shows income miscalculation as BWR has fluctuating earnings. The revised DTI is 58%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. xx FICO 717, 0X30 inception, $43K equity in the subject and $1,268 residual income." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $7,418.64 exceed fees threshold of $6,788.57 over by +$630.07. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,495.00<br> Points - Loan Discount Fee paid by Borrower: $5,838.64<br> Tax Service Fee paid by Borrower: $85.00"<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $7,418.64 exceed fees threshold of $6,788.57 over by +$630.07. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,495.00<br> Points - Loan Discount Fee paid by Borrower: $5,838.64<br> Tax Service Fee paid by Borrower: $85.00"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by borrower is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 76594568 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $227.50 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3242.28 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 727 | 729 | 49.754% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with thexx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual combined taxes for 2024 were paid in the amount of $227.50.<br> The water/sewer charges are paid.<br> No prior year's delinquent taxes have been found.<br>| The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2025. According to the latest payment history as of xx/xx/2025, the next due date is xx/xx/2025. The unpaid principal balance is xx. The current P&I is $3,242.28 and the interest rate is 6.625%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the next due date is xx/xx/2025. The unpaid principal balance is xx.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR1 has xx between xx/xx/2024 and xx/xx/2024, and prior to that, BWR was xx and xx/xx/2023.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.75%. Tape shows the lender miscalculated bonus income and did not include HOA payment in PITI. Letter in file shows BWR2 will not be working after closing and lender included that income in DTI. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 xx and $26K equity in the subject." | \* Homeowner's Counseling disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling organizations disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Intent to proceed is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "List of service providers disclosure is missing from the loan documents." |  |  | Minimal | Pass | Pass | No Result | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 979963 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4278.88 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1719.78 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 635 | Not Applicable | 49.550% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount ofxx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024 are due on xx/xx/2025 and xx/xx/2025 in the amount of $4,278.88.<br> The second installment of county taxes for 2024 was paid in the amount of $1,892.56 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received in the amount of $2,288.30, which was applied to the due date of xx/xx/2024. The current P&I is $1,719.78 with an interest rate of 7.99%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the RFD.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>BWR hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.55%. Tape shows BWR has fluctuating earnings and the revised DTI is 51%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR hasxx FICO 635, 2X30 since inception, and $43K equity in the subject and $3,645 residual income." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as is, and the photo addendum shows the subject peeling paint on garage trim, deck railing, side shed, deck rail, shed door and trim, damaged flooring in the enclosed porch, and a broken door. 1004D is missing from the loan file. The final CD does not reflect the escrow holdback." | \* Compliance Testing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed QM Safe Harbor Test threshold test due to APR calculated 8.604% Exceeds APR threshold of 8.150% Over By +0.454%. Subject loan is escrowed."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 reflects Appraisal Fee at $425.00. CD dated xx/xx/2024 reflects Appraisal Fee at $475.00. This is an increase in fee of $50.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.626% exceeds APR threshold of 8.150% over by +0.476%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." | \* Settlement date is different from note date (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD reflects closing date as 2/7/2024. Notary's signature date on the Mortgage/Deed of Trust is 1/26/2024. Note date is 1/26/2024." | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 91845125 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3140.60 | 01/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2191.95 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 717 | 766 | 49.830% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 with the lender xxwhich was recorded on xx/xx/2024.<br> There is a writ of garnishment for continuing lien on earnings (civil judgment) against the borrower, in favor ofxxwhich was recorded on xx/xx/2015. The release of the writ of garnishment was recorded on xx/xx/2016.<br> The county taxes for 2024 were paid on xx/xx/2024 and xx/xx/2024 in the total amount of $3,140.60.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,896.24 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,191.95 with an interest rate of 6.99%. The current UPB is xx. | Collections Comments:The current status of loan is in performing. <br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> CCs do not show damages. <br> As per tape data, the subject property is occupied by the borrower. <br> Loan has not been modified since origination. <br> No information has been found regarding foreclosure and bankruptcy.<br>BWR1 haxx <br> BWR2 hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 49.83%. The tape shows the lender miscalculated variable income for both of the BWRs and the revised DTI is 53%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 hasxxFICO 717, 0X30 inception, $12K equity in the subject, and $3,788 residual income." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  | 746 | 735 |  |
| 69032486 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6709.68 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1611.72 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 810 | Not Applicable | 48.369% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the xx<br> No active liens and judgments have been found against borrower and property.<br> The first and second installments of county/school taxes for 2024 were paid in the total amount of $6,709.68.<br> No prior year's delinquent taxes have been found. | According to the payment history on the seller's tape dated xx/xx/2025, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $1,611.72. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history on the seller's tape dated xx/xx/2025, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $1,611.72. The UPB is xx. <br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 48.36%. Tape shows lender income miscalculation by including BWR mileage reimbursement in income. Revised DTI is 61.8%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR hasxxFICO 810, $46K equity in the subject, and $1,567 residual income." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed ComplianceEase delivery and timing test for revised CD dated xx/xx/2024. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2024 which is after the consummation date xx/xx/2024."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$149.98. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/2024 and the 1 year SOL is active.<br>Subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 64866345 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1017.72 | 01/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $919.05 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 18.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 773 | Not Applicable | 49.374% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount xx<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 are due in the total amount of $1,017.72 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,131.90, which was applied for the due date of xx/xx/2025. The current monthly P&I is $919.05 with an interest rate of 6.50%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> CCs do not show damages.<br> No information has been found regarding BK.<br> No information has been found regarding FC.<br> The loan has not been modified since origination.<br> As per tape data, the property is owner-occupied.<br> BWR receives SSI and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.37%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR receives SSI and retirement income, 0X30 since inception, FICO 773, and $5K equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 89735378 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2506.92 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $375.59 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 33.702% | 33.702% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 727 | Not Applicable | 30.979% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 in thexx. No active judgments or liens have been found. For parcel xx The 1st and 2nd installment county taxes for 2024 are due in the amount of $2,506.92. The 1st and 2nd installment county taxes for 2023 were paid in the amount of $1,988.64. No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $643.03, which was applied for xx/xx/2024. The P&I is $375.59, and the interest rate is 6.25%. The current UPB is xx. The comment dated xx/xx/2024 shows that the payment received in the amount of $3,107.47 was paid by the borrower. | Collections Comments:The current status of the loan is performing. According to the review of the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. CCs do not show damages. No information has been found regarding BK. No information has been found regarding FC. The loan has not been modified since origination. As per the comment dated xx/xx/2024, the subject property is owner-occupied. The comment dated xx/xx/2024 shows that the reason for default is marital difficulties. The comment dated xx/xx/2024 shows that a dispute has been found for payment. Further details not found.<br> BWR was qualified using an xxBWR has prior employment experience as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure | xx | 3: Curable |  | \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 30.97%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR was qualified usingxx BWR has prior employment xxfor 6.33 years, FICO 727, and $121K equity in the subject."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete as the initial CD is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2023, and the SOL 1-year is expired." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 54753893 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1926.23 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $886.56 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 672 | Not Applicable | 45.582% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 in the xx<br> No active judgments or liens have been found.<br> The annual county tax for 2024 has been paid in the amount of $1,849.18 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,092.95 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $886.56 with an interest rate of 7.750%. The UPB as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is xx. <br> The reason for the default is unable to be determined.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding the foreclosure proceedings.<br> No information has been found regarding the forbearance plan.<br> No comment pertaining to damage to the subject property has been observed.<br> The occupancy of the subject property is unable to be determined.<br> BWR has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is NOO and was approved at 45.58%. Tape shows asset misrepresentation as bank statements were altered and undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR xxFICO 672 and $42K equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 9872831 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kansas | xx | xx | xx | Kansas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7241.44 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $638.00 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 25.060% | 25.060% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 634 | Not Applicable | 45.302% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and was recorded on xx/xx/2022 in the xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024-2025 was paid in the amount of $3,620.72 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 is due in the total amount of $3,620.72 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower has been delinquent for 9 months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,681.34 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $638.00 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is collection.<br> According to payment history as of xx/xx/2024, the borrower has been delinquent for 9 months, and the next due date is xx/xx/2024. The current UPB is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is the illness of the borrower.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> As per the servicing comment dated xx/xx/2023 and xx/xx/2024, the borrower was on a forbearance plan from xx/xx/2023 to xx/xx/2023 and has been extended several times, most recently from xx/xx/2024 to xx/xx/2024.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the tape data, the borrower's income was impacted by Covid-19. The borrower was on a COVID-19 deferment plan from xx/xx/2024 to xx/xx/2024.<br>BWR hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 45.302%. Tape shows SE income used for qualification is not eligible as the business is owned by the non-borrowing spouse. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2022, and the 3-year SOL is active. BWR has xxFICO 634, and $315K equity in the subject." | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $3,952.50 Exceeds Fees threshold of $3,445.00 Over by +$507.50. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,677.50<br> Processing Fee paid by Borrower: $900.00<br> Underwriting Fee paid by Borrower: $375.00"<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>This loan failed the Kansas license validation test."<br> \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test.(xx). The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2022 and the SOL is 3 years.<br>This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h)). The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2022 and the SOL is 3 years. <br> This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1)). The total of payments is xx. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. Subject loan is a refinance, originated on xx/xx/2022 and the SOL is 3 years.<br>This loan failed the TRID rescission total of payments test. (12 CFR §1026.23(g)(1)(ii)). The total of payments is xx. The disclosed total of payments of xx is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. Subject loan is a refinance, originated on xx/xx/2022 and the SOL is 3 years.<br>Loan failed TILA APR test due to APR calculated 6.597% exceeds APR threshold 7.047% over by -0.450%."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflects Appraisal Fee at $840.00. CD dated xx/xx/2022 reflects Appraisal Fee at $1,100.00. This is an increase in fee of $260.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/2022 and the SOL is 3 years."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $3,952.50 Exceeds Fees threshold of $3,445.00 Over by +$507.50. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,677.50<br> Processing Fee paid by Borrower: $900.00<br> Underwriting Fee paid by Borrower: $375.00"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by borrower is missing from the loan documents." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Not Covered | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 67319538 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Mexico | xx | xx | xx | New Mexico | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1757.64 | xx | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1511.14 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 771 | Not Applicable | 43.529% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and was recorded on xx/xx/2023 in thexx<br> No active liens and judgments have been found.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of $878.82 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the amount of $878.82 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is currently 9 months delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,758.57, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,511.14 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is foreclosure.<br> According to the payment history as of xx/xx/2024, the borrower is currently 9 months delinquent with the loan, and the next due date is xx/xx/2024. The current monthly P&I is $1,511.14 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is excessive obligations.<br> The foreclosure was initiated in xx with the loan. The notice of lis pendens located atxx, the foreclosure complaint was filed on xx/xx/2024 in favor ofxx, which was recorded on xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure was put on hold due to loan modification.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br>BWR receives social security income and royalty income.<br> Foreclosure Comments:The foreclosure was initiated in xx with the loan. The notice of lis pendens located at xx the foreclosure complaint was filed on xx/xx/2024 in favor xx, which was recorded on xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure was put on hold due to loan modification. Further details are not provided.<br> Bankruptcy Comments:Not Applicable | This conventional fixed rate mortgage originated on xx/xx/2023 with a P&I of $1,511.14, a rate of interest of 6.625% and a maturity date of xx/xx/2053. The current P&I, as per latest payment history as of xx/xx/2024 is 1,511.14 and rate of interest is 6.625%. As per servicing comment dated xx/xx/2025, the loan modification was approved and the modification agreement is missing from the loan file. | Initial Escrow Acct Disclosure<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete due to initial CD is missing from loan documents.<br>Subject loan is a refinance, loan originated on xx/xx/2023 and the SOL is 3 years."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial closing disclosure is missing from loan file." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 43.529%. Tape shows undisclosed debt opened prior to closing, continuance of royalty income was not established, and grossing up of SSI income was not supported. Further details not provided. Revised DTI is 64%. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR receives social security income and royalty income, FICO 771, $60K equity in the subject, and residual income $1,549."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 30347019 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | No | Not Applicable | First |  | $0.00 | $4173.60 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1124.70 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 711 | Not Applicable | 39.053% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and was recorded on xx/xx/2021 in thexx<br> No active judgments or liens were found.<br> The 2024 combined annual taxes were paid in the amount of $4,173.60 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,689.03, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,124.70 with an interest rate of 2.75%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 39.05%. Tape shows SE income misrepresentation as earnings on tax returns do not match with tax transcripts. Further details not provided. BWR defect. Subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR hasxxFICO 711, 0X30 in the last 24 months, and $39K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects appraisal fee at $525.00. CD dated xx/xx/2021 reflects appraisal fee at $710.00. This is an increase in fee of $185 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID Violation due to decrease in lender credit on closing disclosure dated xx/xx/2021. Initial LE dated xx/xx/2020 reflects lender credit at $65. Final CD dated xx/xx/2020 reflects lender credit at $0.00. This is decrease of $1,583.00 for fee which has 0% tolerance test. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 83276164 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | 01/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1908.57 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 40.463% | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject property is a unit in a C-op.<br> The subject mortgage was originated on xx/xx/2024 in the amountxx<br> No active judgments or liens have been found. <br> The annual installment of county taxes for 2024 has been exempted.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,968.15 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,908.57 with an interest rate of 6.500%. The current UPB is xx. | Collections Comments:The current status is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR1 xx<br> BWR2 hasxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 40.46%. The tape reflects an increased DTI of 80%. Further details not provided. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 receives social security income. BWR2 has xx FICO 688, 0X30 since inception, $76K equity in the subject, and residual income $1,717." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan does not meet xx<br> \* Missing credit report (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Type of Ownership is Leasehold or Cooperative (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "An alert note of a UT dated xx/xx/2025 shows that the property is a unit in a cooperative. The subject loan originated on xx/xx/2024 with a maturity date of xx/xx/2054. As per the lease agreement located at "xxthe leasehold expires on xx/xx/2090." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 2939142 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2126.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1598.05 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 102.759% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 730 | Not Applicable | 48.749% | First | Short Form Policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and was recorded on xx/xx/2023 in the amount xx<br> There is an active junior mortgage against the subject property in favor of xx which originated on xx/xx/2023 and was recorded on xx/xx/2023 with thexx<br> The 1st and 2nd installments of county taxes for 2023 were paid in the total amount of $2,126.00 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,041.27, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,598.05 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br>BWR1 hasxx<br> BWR2 has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 48.74%. Tape shows undisclosed debt with a monthly payment of $594, and the lender omitted revolving debt without supporting documents. Revised DTI is 57.38%. BWR defect. Further details not provided. The subject originated on xx/xx/2023, and the 3-year SOL is active. BWR has xxFICO 730, 0X30 since inception, and $3,153 residual income."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails compliance delivery and timing test for CD dated xx/xx/2023. The initial closing disclosure delivery date is less than three business days before the consummation date xx/xx/2023."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 29888281 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2833.00 | 02/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1593.32 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 85.618% | 85.618% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 792 | Not Applicable | 42.570% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amountxx<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2023/2024 were paid in the total amount of $2,833.00 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,081.93 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,593.32 with an interest rate of 6.99%. The UPB is xx. | Collections Comments:The comment history is missing from the loan file. The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is xx.<br> As per the tape data, the property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan is closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $XX. Current UPB is $239K."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan was originated with an incorrect NMLS ID on the loan documents due to a typographical error, and the investor has denied to purchase. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 24326020 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $3019.11 | $12076.44 | 03/17/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3756.83 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 751 | Not Applicable | 47.603% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount xx<br> There are three state tax liens against the BWRxx which were recorded on different dates.<br> There are six prior state tax liens against the BWR xx, which were filed by the different plaintiffs and recorded on different dates.<br> The annual town taxes for 2024 were paid in the amount of xx.<br> The second installment of town taxes for 2025 is due on xx/xx/2025 in the amount of $3,019.11.<br> The first installment of town taxes for 2025 is delinquent in the amount of $3,019.11 with the good-through date of xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,068.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,756.83 with an interest rate of 6.990%. The current UPB is xx. | Collections Comments:The current status is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,068.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,756.83 with an interest rate of 6.990%. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied<br>BWR has xx<br> BWR hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan has a TRID violation as the broker compensation fees paid by the BWR were reduced before closing. Further details not provided. Infinity CE compliance result shows loan failed TRID tolerance test due to lender credit decrease."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails prohibited fees test. The below fees were included in the test Administration Fee paid by Borrower: $50.00 Attorney Legal Fee paid by Borrower: $2,000.00 Commitment Fee paid by Borrower: $100.00 MERS Fee paid by Borrower: $24.95<br> Real Estate Commission Listing Agency paid by Seller: xx Real Estate Commission Selling Agency paid by Seller: xx Title: Closing Documents Copy Fee paid by Borrower: $20.00 Title: Closing Protection Letter Fee paid by Borrower: $75.00 Title—Tax Certification Fee paid by Borrower: $45.00 Title: Transaction Management Fee paid by Borrower: $25.00 Title: Notice of Settlement Fee paid by Borrower: $100.00"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2024. Initial LE dated xx/xx/2024 reflects Lender Credit at $9,948.00, Final CD dated xx/xx/2024 reflects Lender credit at $9,454.94 This is decrease of +$493.06 for fee which has 0% tolerance test.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 87796655 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $14061.85 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3450.45 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 803 | Not Applicable | 42.512% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 in the xx<br> No active judgments or liens have been found.<br> The 1st installment tax for 2024 was paid in the amount of $7030.93 on xx/xx/2024.<br> 2nd installment taxes for 2024 are due in the amount of $7030.92.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,929.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,450.45 with an interest rate of 7.250%. The current UPB is xx. | Collections Comments:The present status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller tape, the property is owner-occupied.<br> No evidence for foreclosure and bankruptcy has been found.<br> No repairs and damages have been found.<br> BWR was xx BWR has xxxx/xx/2022 and xx/xx/2023 for xxprior to that, BWR hadxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to Fees charged xx exceeds Fees threshold of xx over by +$480.74.<br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $295.00<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $695.00<br> Rate Lock Fee paid by Borrower: $708.00<br> Underwriting Fee paid by Borrower: $995.00.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to Fees charged xx exceeds Fees threshold of xx over by +$480.74.<br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $295.00<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $695.00<br> Rate Lock Fee paid by Borrower: $708.00<br> Underwriting Fee paid by Borrower: $995.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 42.51%. Tape shows BWR was qualified based on a new employment offer that was rescinded after closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has started a new job on xx/xx/2023 xx FICO 803, 0X30 since inception, and $62K equity in the subject." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 72399250 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4847.51 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2622.38 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 792 | 793 | 47.540% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 in thexx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 were paid in the amount of $4,653.61 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,365.84, which was applied for the due date of xx/xx/2025. The current P&I is $2,622.38 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br>BWR was xxBWR2 has xx xx/xx/2018 and xx/xx/2023 forxx<br> BWR2 was xx. BWR hasxx2019 and xx/xx/2023 for xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 47.54%. The tape shows BWR was xx. The revised DTI is 112.38%. Further details are not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR wasxx BWR2 was qualified using a post-close xx FICO 792, 0X30 since inception, and $23K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase exception failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2023 does not reflect points—loan discount fees. CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $403.85. This is an increase in fee of +$403.85 for charges that cannot increase. The subject loan is a purchase case that originated on xx/xx/2023, and the 1-year SOL is expired. A TRID violation due to a decrease in lender credit on the initial LE dated xx/xx/2023 reflects lender credit at $400.00. The revised CD dated xx/xx/2023 does not reflect lender credit. This is a decrease of +$400.00 for a fee that has a 0% tolerance test. The subject loan is a purchase case that originated on xx/xx/2023, and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 67650614 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3047.08 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3567.28 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | 711 | 45.253% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 inxx<br> There is an HOA lien on the subject property in favor xx, which was recorded on xx/xx/2024.<br> The 1st installment of county taxes for 2024 was paid in the amount of $1,523.54 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the amount of $1,523.54 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,185.30, which was applied for the due date of xx/xx/2025. The current monthly P&I is $3,567.28 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025.The current monthly P&I is $3,567.28 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br>BWR2 has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 45.25%. Tape shows bonus income miscalculation. The revised DTI is 52%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR2 xxFICO 711, 0X30 since inception, $58K equity in the subject, and residual income $4,084." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 20470637 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1644.09 | 02/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2383.50 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 75.000% | 75.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 756 | 746 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 with the xxwhich was recorded on xx/xx/2024.<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were paid in the amount of $1,644.09 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,653.48 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,383.50 with an interest rate of 7.625%. The current UPB is xx. | Collections Comments:The current status is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,653.48 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,383.50 with an interest rate of 7.625%. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is non-owner-occupied.<br> Subject loan is NOO and was approved using DSCR. BWR employment details are not available.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the prepayment penalty provision on the subject loan is not acceptable to the investor, and the BWR would not sign a new one. PPP has 5% penalty in year one if more than 20% prepayment, 4% in year two and so on, for the first 5 years." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 34495642 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $774.07 | $1108.26 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3608.71 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 771 | 766 | 49.225% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with the lender MERSxx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for 2024 were paid in the amount of $384.83.<br> The annual school taxes for 2024 are delinquent in the amount of $774.07, which are good through xx/xx/2025. | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,386.29, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $3,608.71, and the interest rate is 6.625%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No evidence regarding damage or repairs has been found.<br> BWR has xx BWR receives SSI and retirement income. BWR2 receives SSI and retirement income. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.22%. The tape shows pension income miscalculation. The revised DTI is 59.58%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR hasxx Additionally, BWR receives SSI and retirement income. BWR2 receives SSI and retirement income, FICO 766, 0X30 since inception, $31K equity in the subject, and residual income $3,058." |  | \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Home is affixed. As per the appraisal report located at xx the subject property is a manufactured home. The manufactured home rider, located atxx and the affidavit of affixation, located atxxshow that the home is affixed with the serialxx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 45738889 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9179.51 | 02/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3093.86 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 708 | Not Applicable | 43.457% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 with the lender xx which was recorded on xx/xx/2024.<br> No active judgments or liens have been found.<br> Annual combined taxes for the year 2024 were paid on xx/xx/2024 in the amount of $1,035.80.<br> Annual county taxes for the year 2024 were paid on xx/xx/2024 in the amount of $1,562.01.<br> Annual school taxes for the year 2024/2025 were paid on xx/xx/2024 in the amount of $6,400.99.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,146.49, which was applied for the due date of xx/xx/2025. The current P&I is $3,093.86 with an interest rate of 6.990%. The current UPB reflected as per the payment history tape is xx. | Collections Comments:The current status of the loan is performing.<br> As per the seller's tape data of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the RFD.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> No information has been found related to damage or repairs.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> As per the tape data, the subject property is owner-occupied.<br> BWR hasxx. Additionally, BWR has been xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 43.45%. Tape shows AUS is ineligible. Review shows rental income miscalculation. Revised DTI is 54.59%. Further details not provided. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR haxx Additionally, BWR has been SE for 6.83 xxFICO 708, and $24K equity in the subject." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the xx license validation test."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 80397909 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6642.16 | 01/02/2025 | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1800.16 | 9.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | xx | xx | Investor | Yes | Yes | No | 663 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in thexx<br> No active judgments or liens have been found.<br> The first installment of town taxes for 2025 has been paid in the amount of $1,660.54 on xx/xx/2025.<br> The second installment of town taxes for 2025 has been due in the amount of $1,660.54 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,380.77 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $1,800.16 with an interest rate of 9.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the servicing comment dated xx/xx/2024, the RFD is excessive obligation.<br> The foreclosure is initiated on xx/xx/2024 with the loan. As per the servicing comment dated xx/xx/2024, the foreclosure case is closed due to reinstatement. Further details were not provided.<br> No bankruptcy details have been found.<br> The occupancy of subject property is unable to be determined.<br> No damage or repairs have been found.<br> Subject loan is NOO. Borrower was qualified using the DSCR of the subject property.<br> Foreclosure Comments:The foreclosure is initiated on xx/xx/2024 with the loan. As per the servicing comment dated xx/xx/2024, the foreclosure case is closed due to reinstatement. Further details were not provided.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows EPD. The first payment date is xx/xx/2024. As per PH, the BWR made payment for the due date xx/xx/2024 on xx/xx/2024 and xx/xx/2024 on xx/xx/2024.Tape shows payment for the due date xx/xx/2024 made to the subject lender was reversed. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Required Documentation Missing or Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan approval is missing from loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 89202876 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | Yes | Yes | Not Applicable | First |  | $1340.75 | $5105.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1822.25 | 5.937% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 699 | Not Applicable | 43.311% | First | Final policy | Not Applicable | Not Applicable | 04/17/2024 | $319587.46 | $38595.43 | 5.937% | $1533.73 | 05/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 in thexx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2025 were paid in the total amount of $2,447.96.<br> The fourth installment of county taxes for 2025 is due in the total amount of $1,328.52 on xx/xx/2025.<br> The 3rd installment of county taxes for 2025 is delinquent in the total amount of $1,340.75, which is good through xx/xx/2025.<br> The water charges for 2025 are delinquent in the total amount of $697.51 which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is 4/12025. The last payment was received on xx/xx/2025 in the amount of $2,240.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,533.73 with an interest rate of 5.937%. The current UPB is xx, and the deferred balance is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/12025. The current UPB is xx, and the deferred balance is xx.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> As per tape data, the subject property is occupied by the owner.<br> No damage or repairs have been found.<br> The comment dated xx/xx/2024 shows that the RFD is a curtailment of income.<br> The modification agreement was made between the borrower and the lender on xx/xx/2024. <br> BWR hasxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower and the lender on xx/xx/2024. As per the modified term, the new principal balance is $319,587.46 and the deferred balance is $38,595.43. The monthly P&I is $1,533.73 with an interest rate of 5.937% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no forgiven amount. The loan has been modified once since origination. | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 43.31%. Tape shows OT income used for qualification was not supported. Revised DTI is 45%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 1xxFICO 699, $60K equity in the subject, and residual income $3,020." | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows funds to close were not properly documented. Bank statement in the file shows $730.97 and a gift of equity of $34K from the seller; the cash-to-close requirement is $33K. Further details not provided."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan does not meet the seasoning period requirement for a prior foreclosure history of BWR. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 20161434 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3573.32 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1258.82 | 4.000% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 101.413% | 101.413% | Streamline Refinance | Yes | xx | xx | 25.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 673 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2019 and was recorded on xx/xx/2019 in thexx<br> There are 2 credit card judgments found against the borrower filed by different plaintiffs & recorded on different dates. The amount of the judgments is not available on the supporting documents.<br> The annual due taxes for 2025 are due in the total amount of $3,573.32 on xx/xx/2025.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $3,392.46.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,680.13 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,258.82 with an interest rate of 4.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per tape data, the subject property is owner-occupied.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding the foreclosure proceedings.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Subject loan is streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan does not meet VA IRRRL seasoning period requirements. Further details not provided." | \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The home is affixed to the land. Appraisal report is missing. As per the property report located atxx the subject property is a manufactured home. The affidavit of affixation document is located at,xx, reflecting that the home is affixed permanently to the land with xx |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 13844752 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Illinois | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1890.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1482.21 | 5.937% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 740 | Not Applicable | 39.915% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 in thexx<br> No active judgments or liens have been found. <br> The annual county and city taxes for 2024 were paid in the amount of $1,890.00.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,860.44 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,482.21, and the interest rate is 5.937%. The current UPB is xx. As per the PH, there is a deferred balance in the amount of $5,982.84. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2023, the RFD was loss of income due to the FEMA disaster.<br> As per the comment dated xx/xx/2023, the subject property was damaged due to the FEMA disaster. No comments have been found regarding the estimated cost of repairs, type of damages, and repair completion.<br> As per the comment dated xx/xx/2024, the loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has xx. Previously, BWR had xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO. Tape shows the subject is NOO due to misrepresentation as BWR listed the subject property for rent after closing. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 39.91%. Tape shows subject is NOO due to misrepresentation as BWR listed the subject property for rent after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR xx FICO 740, and $19K equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 63770822 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $823.29 | 02/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2205.21 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Alternative | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 660 | 660 | 31.976% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in xx<br> No active judgments or liens have been found. <br> The first, second, and third installments of county taxes for 2024 were paid in the amount of $823.29.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,703.58, which was applied for the due date of xx/xx/2025. The current P&I is $2,205.21 with an interest rate of 6.750%. The current UPB is xx. | Collections Comments:The current status is performing. <br> According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status.<br>BWR1 xx<br> BWR2 has xx BWR2 has prior employment as a xx. BWR3 receivesxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and infinity compliance result shows the loan failed the initial LE delivery date test as the initial LE dated xx/xx/2024 was not delivered within 7 business days from the consummation date of xx/xx/2024."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial loan estimate delivery and timing test. The initial LE dated xx/xx/2024 was less than the seventh business day before the consummation date xx/xx/2024. Loan failed the ComplianceEase delivery and timing test for the initial LE dated xx/xx/2024, which is less than the seven business days before the consummation date of xx/xx/2024. This loan failed the written list of service providers disclosure date test due to the disclosure date being less than the seventh business day before the consummation date."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Critical | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 44952876 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4554.79 | 02/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3080.39 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 754 | 715 | 47.351% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 in the amount of xxand it was recorded on xx/xx/2024.<br> No active judgments or liens were found.<br> The annual county taxes for 2024 were paid on xx/xx/2024 in the amount of $4,554.79.<br> No prior year taxes are delinquent. | According to the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,797.55 (PITI), which applied for the due date of xx/xx/2025. The current P&I is $3,080.39 with an interest rate of 7.50%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The UPB is xx.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the seller's tape, the subject property is owner-occupied.<br>BWR1 hasxx<br> BWR2 has beenxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 47.35%. Tape shows income miscalculation. Further details not provided. Revised DTI is 55.66%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has xx BWR2 has been SE for 4.25 years at XX, FICO 715, 0X30 since inception, $52K equity in the subject, and xx residual income." | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceeds fees threshold of xx over by +$25.17. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $995.00<br>Loan fails QM lending policy points and fees test due to fees charged xx exceeds fees threshold of xx over by +$25.17. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $995.00"<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 20227256 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $160542.04 | 03/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1272.39 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 775 | Not Applicable | 35.360% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the xx<br> There are active prior UCC lien againstxxwhich was recorded on xx/xx/2024 with instrumentxx and the amended UCC lien was recorded with instrumentxx on xx/xx/2024. The UCC lien amount has not been provided.<br> The combined annual taxes for 2024 have been paid in the amount ofxx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,698.31 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,272.39 with an interest rate of 7.00%. The UPB reflected in the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB reflected in the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the tenant. CCs do not show any damage.<br> BWR has been xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show subject is a condotel in the Holly House Condos project. Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 58315345 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $160542.04 | 04/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1187.43 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 782 | Not Applicable | 30.732% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 inxx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 was paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $1,605.25 with an interest rate of 7.125%, which was applied to the due date for xx/xx/2025. The current P&I is $1,187.43 and the rate of interest is 7.125%. The current UPB is reflected in the amount of xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is reflected in the amount of xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy and current condition of the subject property. CCs do not show any damage. <br> BWR has xx. BWR had prior employment experience as a xxbetween xx/xx/2019 and xx/xx/2022 forxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show the subject is a condotel inxxProperty was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 94178458 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $160542.04 | 03/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1091.66 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 766 | Not Applicable | 43.681% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 under xx<br> There is a prior UCC lien against the subject borrower in favor of xx, which was recorded on xx/xx/2024. The supporting document does not reflect the lien amount.<br> There is a UCC lien against the subject borrower in favor of xxwhich was recorded on xx/xx/2024 under instrumentxxThe supporting document does not reflect the lien amount.<br> The annual combined taxes for 2024 are paid in the amount of xx‬ on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,480.83, which was applied on xx/xx/2025. The current P&I is $1,091.66 with an interest rate of 6.99%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show the subject is a condotel in xx. Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 17613596 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $160542.04 | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1496.98 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 772 | Not Applicable | 42.317% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 with the lender MERS as nominee forxx which was recorded on xx/xx/2024.<br> There are two prior UCC liens against the subject property in favor ofxxwhich were recorded on xx/xx/2024 and xx/xx/2024. The supporting documents do not reflect the lien amount.<br> Annual combined taxes for 2024 were paid on xx/xx/2024 in the amount of xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,994.39 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,496.98 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> No information has been found related to damage or repairs.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> Unable to determine the current occupancy of the subject property.<br> BWR hasxx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show subject is a condotel in the Holly House Condos project. Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities." |  |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 3892009 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | No | Not Applicable | First |  | $0.00 | $160542.04 | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1781.25 | 7.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 808 | Not Applicable | 38.418% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in xx<br> There is a prior UCC lien found against the subject property in favor of xx which was recorded on xx/xx/2024, and this lien is amended, and the amendment is recorded on xx/xx/2024.<br> The annual combined taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,343.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,781.25 with an interest rate of 7.490%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,343.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,781.25 with an interest rate of 7.490%. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding litigation and contested matter.<br> No information has been found related to damage or repairs.<br> Unable to confirm the current occupancy of the subject property. <br> BWR has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show the subject is a condotel in xx Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 80776836 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $160542.04 | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1157.63 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 54.545% | 54.545% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 789 | Not Applicable | 35.866% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2025 shows that the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the xx<br> No active liens and judgments have been found against borrower and property.<br> The combined taxes for 2024 were paid total in the amount of xx.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,699.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,157.63 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,699.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,157.63 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show subject is a condotel in the xx Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 85473183 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $160542.04 | 04/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1510.81 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 817 | Not Applicable | 22.589% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 in thexx and it was recorded on xx/xx/2024.<br> There is a prior UCC lien in favor ofxx which was recorded on xx/xx/2024. The UCC amount is not provided. <br> The annual combined taxes for 2024 were paid on xx/xx/2024 in the amount of xx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,009.21 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,510.81, and the interest rate is 7.125%. The current UPB is xx. | Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,009.21 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,510.81, and the interest rate is 7.125%. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has xxBWR has prior employment experience xx between xx/xx/2020 and xx/xx/2023 forxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show the subject is a condotel in xx Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 40414106 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3468.87 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1632.08 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 693 | Not Applicable | 46.867% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in xx<br> There is a prior credit card judgment found against the borrower in favor of XXXX in the amount ofxx, which was recorded on xx/xx/2018.<br> Annual combined taxes for 2024 were paid in the amount of $3,330.12 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,218.56 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,632.08 with an interest rate of 7.125%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> Unable to determine the occupancy of the subject property.<br> BWR has xx. Previously, BWR hadxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. Tape shows the subject is NOO, as the BWR listed the subject property for rent after closing. Elevated for client review." | \* Missing Initial 1003_Application (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 46.86%. Tape shows the subject is NOO, as the subject property was listed for rent after closing, causing the lender to omit BWR primary housing expense. Revised DTI is 93.71%. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has xx FICO 693, 0X30 since inception, and $13K equity in the subject." | \* Settlement date is different from note date (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD reflects closing date as 08/12/2024. Notary's signature date on the mortgage/deed of trust is 08/12/2024. Note date is 08/09/2024." | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 56901931 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5396.02 | 02/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1154.46 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 803 | Not Applicable | 31.507% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the xx<br> There are two prior civil judgments found against the subject borrower in the total amount of xx filed by different plaintiffs, which were recorded on different dates.<br> The combined annual taxes for 2024 were paid in the amount of $5,396.02 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,708.27 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,154.46 with an interest rate of 6.130%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows homeowner completed the home buyer certificate after the note date. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 90904264 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4887.72 | 02/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2818.01 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 773 | Not Applicable | 48.345% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount xx<br> The 1st and 2nd installments of combined taxes for 2024 were paid in the total amount of $871.65 on xx/xx/2024 & xx/xx/2024.<br> The 1st and 2nd installments of combined taxes for 2024 are due in the total amount of $4,887.72 on xx/xx/2025 & xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,305.18, which was applied for the due date of xx/xx/2025. The current P&I is $2,818.01 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> As per tape data, the subject property is owner-occupied.<br> BWR hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 48.34%. Tape shows lender treated BWR xx. Further details not provided. Revised DTI is 92%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR haxx FICO 773, 0X30 since inception, $61K equity in the subject, and $367 residual income." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 30333759 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5829.03 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2429.97 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | No | Not Applicable | No | 650 | Not Applicable | 46.879% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and was recorded on xx/xx/2022 in the amountxx. There is an active junior mortgage against the subject property in favor of xx which originated on xx/xx/2023 and was recorded on xx/xx/2023 with the instrument xx The combined annual taxes for 2024 were paid in the total amount of $5,595.87 on xx/xx/2024. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,405.16, which was applied for the due date of xx/xx/2025. The current P&I is $2,429.97 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> BWR hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Flood Certificate | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Intent to proceed is missing from the loan documents."<br> \* Missing flood cert (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Flood certificate is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 46.87%. Tape shows lender did not properly verify BWR income, employment and SE status. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR hasxx FICO 650 and $32K equity in the subject."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 46.87%, as the borrower's income is xx and total expenses are in the amount of $4,902.76, and the loan was underwritten by DU xx and its recommendation is Approve/Eligible with a DTI of 46.88%." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 42418865 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3380.54 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $943.93 | 5.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 788 | Not Applicable | 54.491% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in xx<br> No active judgments or liens were found.<br> The combined annual taxes for 2024 were paid in the amount of $3,380.54 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,417.30, which was applied for the due date of xx/xx/2025. The current P&I is $943.93 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025.The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Intent to proceed is missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is not insurable by the HUD as the appraiser on the second appraisal was not on the FHA-approved roster. The second appraisal was required as the property was flipped. The review of the appraisal report shows the date of prior sales or transfers is xx/xx/2023, and the price of the prior sale or transfer was $0 via warranty deed transfer. The current sale price is $XX. The subject has received minimal updates. Zillow search shows an estimated value of $XX. Current UPB $159K. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA mortgage insurance certificate is missing from the loan documents." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 reflects Points - Loan Discount Fee at $175.00. Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $886.77. This is an increase in fee of +$711.77 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on 0xx/xx/2024, and the 1-year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 35388201 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5623.89 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4221.57 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 713 | 676 | 48.170% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in favor of MERS as nominee for xx<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2024 was paid in the amount of $2,811.95 on xx/xx/2024. <br> The 2nd installment of county taxes for 2024 is due in the total amount of $2,811.94 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,526.94 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,221.57 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR1 hasxx Additionally, BWR1 has been xx<br> BWR2 hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 48.17%. Tape shows increased DTI of 60.66%. Further details not provided. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 xx BWR2 has xx FICO 676, $36K equity in the subject, and $4,640 residual income." |  | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 98150393 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1522.02 | 02/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1369.05 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 66.993% | 66.993% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 793 | 778 | 44.904% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in thexx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were paid in the amount of $1,522.02 on xx/xx/2024.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,680.95 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $1,369.05 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR1 and BWR2 receive social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and appraisal report show the subject has 2 ADUs in the form of a tiny home and manufactured home. The tiny home is on wheels and a manufactured home, both considered as personal property, and family members live there. These items are not included in the value opinion. Zillow search shows an estimated value of $XX. Current UPB is $236K." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 45861332 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $2301.47 | $3046.17 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $981.67 | 6.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 86.487% | 86.487% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | No | Yes | 592 | Not Applicable | 42.162% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of MERS as nominee for xx<br> There is a prior mechanics liens found against xx in favor of xx in the amount ofxx which was recorded on xx/xx/2001.<br> The 1st installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024. <br> The annual village taxes for 2024 were paid in the amount ofxx on xx/xx/2024.<br> The second installment of county taxes for 2024 has been delinquent in the amount of $2,301.47, which is payable on xx/xx/2025. | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $1,550.97, which was applied to the due date of xx/xx/2025. The current P&I is $981.67 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing. According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. No foreclosure activity has been found. No post-close bankruptcy record has been found. As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. BWR has 4.41 years on the job as an assembly line worker with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Cash out purchase (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of $4,272.32."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $5,635.31 Exceeds Fees threshold of $4,244.37 Over by +$1,390.94. The below fees were included in the test: Lender Fee paid by Borrower: $1,629.00 Points - Loan Discount Fee paid by Borrower: $4,006.31"<br> \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TRID total of payments test due to calculated total of payment of xx exceeds disclosed total of payment of xx over by -$207.63. <br> Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year active."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $2,768.00. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $4,006.31. Loan estimate dated xx/xx/2024 reflects Appraisal Fee at $575.00. CD dated xx/xx/2024 reflects Appraisal Fee at $625.00. This is a cumulative increase in fee of $1,288.31 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Valid COC for the increase in fee is missing from the loan documents. Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $1,543.00. CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $1,289.20. This is a cumulative increase of +$253.80 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $5,635.31 Exceeds Fees threshold of $4,244.37 Over by +$1,390.94. The below fees were included in the test: Lender Fee paid by Borrower: $1,629.00 Points - Loan Discount Fee paid by Borrower: $4,006.31"<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject property does not meet HUD guidelines as the base flood elevation of 584.84 feet is below 587 feet. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.961% exceeds APR threshold of 7.650% over by +0.311%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.772% Exceeds APR threshold of 7.650% Over By +0.122%. Subject loan is escrowed."<br> \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The home is affixed to the land. As per the appraisal report located at xx " the subject property is a manufactured home. The affidavit of affixation document is available at xx reflecting that the home is affixed permanently to the land with the serial xx . The MH rider is also located in the same file on page xx The ALTA-7 endorsement is attached with the final title policy at xx |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 72635247 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $966.11 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 60.000% | 60.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 785 | Not Applicable | 41.167% | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the UT dated xx/xx/2025, the subject mortgage, a cooperative loan, was originated on xx/xx/2024 with the lender xx <br> No active judgments or liens have been found.<br> The annual combined taxes for 2025 were exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $992.94 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $966.11 with an interest rate of 7.12500%. The current UPB is xx.<br>| Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025.The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has 3 years on the job as a custodian with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Per POA document xx appointed as agent to the POA on xx/xx/2024. Per tape, Citi needed a corrected stock power of attorney. As per the xx was filed on xx/xx/2024 to correct all typographical and clerical errors discovered in any or all documents. Further details not provided."<br> \* Type of Ownership is Leasehold or Cooperative (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the lease agreement located at "xx," the property is leasehold. The subject loan originated on xx/xx/2024 with a maturity date of xx/xx/2054. As per the lease agreement, the lease started on xx/xx/2024 and will expire on xx/xx/2060." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 does not reflect points - loan discount fee. CD dated xx/xx/2024 reflects points - loan discount fee at $404.39. This is an increase in fee of +$404.39 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>TRID violation due to decrease in lender credit on CD dated xx/xx/2024. Initial CD dated xx/xx/2024 reflects lender credit at $358.50, final CD dated xx/xx/2024 reflects lender credit at $0.00. This is a decrease of $358.50 for a fee that has a 0% tolerance test.<br>The subject loan is a purchase case, and the 1-year SOL will expire on xx/xx/2024." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 19836704 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Second | XXXX | $0.00 | $2746.17 | 02/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2470.26 | 5.750% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 99.619% | 99.619% | Streamline Refinance | No | xx | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 with the lender xx in the amount of xx, which was recorded on xx/xx/2024.<br> There is one HOA lien against the subject property in favor of xx , a not-for-profit xx , in the amount of $2,160.64, which was recorded on xx/xx/2024.<br> There is a prior UCC lien against the subject property in favor of xx, which was recorded on xx/xx/2024. As per the subordination agreement located at xx the prior UCC which was recorded on xx/xx/2024 is subordinated with the subject lender. <br> Annual county taxes for 2024 were paid on xx/xx/2024 in the amount of $2,746.17.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $2,799.28, which was applied to the due date of xx/xx/2025. The current P&I is $2,470.26 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> The subject loan was approved as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows subject is IRRRL loan and lender is unable to complete the IRRRL closing certification requirement as the receipt of payment for the month of October is missing. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage insurance certificate is missing from loan documents."<br> \* Missing credit report (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from the loan document."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents" |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 93225547 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | Other | xx | $0.00 | $3970.61 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1217.24 | 2.350% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 84.247% | 84.247% | Full Documentation | Yes | xx | xx | 6.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 47.190% | First | Final policy | Not Applicable | Not Applicable | 12/18/2024 | $174505.02 | Not Applicable | 2.350% | $561.14 | 01/01/2025 | Financial Hardship | The review of the updated title report dated xx/xx/2025 shows that the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 in the amount of xx in favor of xx <br> There are two HOA liens on the subject property in favor of xx which were recorded on xx/xx/2023 & xx/xx/2024 in the total amount of $1,997.75.<br> There is a UCC lien active against the subject property in favor of xx which was recorded on xx/xx/2022.<br> The first, second and third installments of county/school and utilities/MUD taxes for 2024 were paid in the total amount of $3,970.61.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2025, which was applied for the due date of xx/xx/2025 and the next due date for payment is xx/xx/2025. The P&I is $561.14 and PITI is $1,319.60. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2025, which was applied for the due date of xx/xx/2025 and the next due date for payment is xx/xx/2025. The P&I is $561.14 and PITI is $1,319.60. The UPB reflected as per the payment history is xx. <br> As per comment dated xx/xx/2025, xx.<br> As per comment dated xx/xx/2025, the subject property is owner occupied.<br> The loan was modified on xx/xx/2024 with new principal balance of xx <br> The seller's tape shows borrower was on FB plan from xx/xx/2023 to xx/xx/2024.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified on xx/xx/2024 with new principal balance of xx The borrower promises to pay the new modified P&I of $561.14 with the new fixed interest rate of 2.350% beginning from xx/xx/2025 to the new maturity date of xx/xx/2065. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The seller's tape shows borrower was on FB plan from xx/xx/2023 to xx/xx/2024. As per comment dated xx/xx/2025, the loan was modified on xx/xx/2025." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 47.19%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has 2 months on the job as a xx Additionally, BWR has 5.5 years on the second job as an xx ."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is refinance case, originated on xx/xx/2022 and the SOL is 3 years."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2021 does not reflect Appraisal Fee. CD dated xx/xx/2022 reflects Appraisal Fee at $490.00.<br> Loan estimate dated xx/xx/2021 reflects Points - Loan Discount Fee at $995.00. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $1,566.41.<br> This is a cumulative increase in fee of $1,061.41 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is refinance case, originated on xx/xx/2022 and the SOL is 3 years."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.19%, as the borrower's income is xx and total expenses are in the amount of xx and the loan was underwritten by DU (xx) and its recommendation is Approve/Eligible with a DTI of 47.19%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 1242380 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2801.76 | 01/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1212.69 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 640 | Not Applicable | 48.440% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2025 in the amount of xx in favor of xx No active liens and judgments have been found against borrower and property. The annual combined taxes for 2024 were paid in the amount of $2,801.76 on xx/xx/2024. No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2025, which was applied for the due date of xx/xx/2025 and the next due date for payment is xx/xx/2025. The P&I is $1,212.69 and PITI is $1,795.26. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2025, which was applied for the due date of xx/xx/2025 and the next due date for payment is xx/xx/2025. The P&I is $1,212.69 and PITI is $1,795.26. The UPB reflected as per the payment history is xx. <br> As per seller's tape data the subject property is owner occupied. No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> BWR has xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows points and fees on the subject loan exceeded 3% limit. Infinity compliance result shows that the loan passed the QM points and fees test."<br> \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home equity loan notice of address for borrower notification of violation is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 7478239 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Hampshire | xx | xx | xx | New Hampshire | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2033.77 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 657 | 765 | 49.669% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 with the lender xx in the amount xx which was recorded on xx/xx/2024.<br> No active liens and judgments have been found against borrower and property.<br> Annual county taxes for the year 2024 are exempt.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2025, which was applied for the due date of xx/xx/2025 and the next due date for payment is xx/xx/2025. The P&I is $2,033.77 and PITI is $2,601.00. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2025, which was applied for the due date of xx/xx/2025 and the next due date for payment is xx/xx/2025. The P&I is $2,033.77 and PITI is $2,601.00. The UPB reflected as per the payment history is xx. <br> Unable to determine RFD.<br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> xx .<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed xx QM points and fees test due to Fees charged $9,807.30 Exceeds Fees threshold of $9,088.32 Over by +$718.98<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $8,032.50<br> Points - Loan Discount Fee paid by Borrower: $1,774.80<br>Loan failed qualified mortgage lending policy points and fees test due to fees charged $9,807.30 Exceeds Fees threshold of $9,088.32 Over by +$718.98<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $8,032.50<br> Points - Loan Discount Fee paid by Borrower: $1,774.80" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.66%. The tape reflects issues with income. Further details not provided. Lender defect. Review confirms ATR. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 receives foster care income. BWR2 has 5 months on the job as an associate with xx, FICO 657, and $56K equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 85884767 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $1927.18 | 02/17/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2895.74 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 700 | Not Applicable | 46.174% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 in the amount of xx in favor of MERS as nominee for xx and was recorded on xx/xx/2024. There is an active prior mortgage against the subject property originated on xx/xx/2023 in the amount of xx in favor of xx that was recorded on xx/xx/2023. Annual county taxes for 2024 were paid in the amount of $1927.18 on xx/xx/2024. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,317.86 (PITI), which was applied on xx/xx/2025. The current P&I is $2,895.74, and the interest rate is 8.125%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. Unable to determine RFD. No details pertaining to the damage to the subject property have been observed. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. Unable to determine the current occupancy of the subject property. BWR has been xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as is, and the photo addendum shows ceiling tiles of the basement room have not been replaced since plumbing repairs. The cost of repair is not available. The 1004D is missing from the loan file. The final CD does not reflect the escrow holdback."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows an appraisal value issue, and the appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XX. Comp #1, with a sales price of $XX, is closest to the subject property. Zillow search shows an estimated value of $XX. Current UPB is $386K." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 31780887 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $978.73 | 03/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $820.88 | 6.750% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 79.101% | 79.101% | Full Documentation | No | xx | xx | 25.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 756 | 798 | 66.673% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of MERS as xx <br> No active judgments or liens were found.<br> The 2025 combined annual taxes were paid in the amount of $978.73 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,247.15, which was applied for the due date of xx/xx/2025. The current monthly P&I is $820.88 with an interest rate of 6.75%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the xx , the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape, the subject property is owner occupied.<br> xx Additionally xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed loan origination fee test due to fee charged $3,154.00 exceed fees threshold of $1,265.62 over by +$1,888.38. <br> The below fees were included in this test:<br> Agency Fee paid by Borrower: $1,600.00<br> Document Preparation Fee paid by Borrower: $270.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $80.00<br> Processing Fee paid by Borrower: $350.00<br> Tax Service Fee paid by Borrower: $89.00<br> Title Closing Protection Letter (CPL) paid by Borrower: $25.00<br> Title E-Recording Fee paid by Borrower: $100.00<br> Underwriting Fee paid by Borrower: $595.00<br> Wire Transfer Fee paid by Borrower: $45.00."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is uninsured as bonus entitlement is available for loans greater than $144K and the subject loan amount is xx . Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "VA guaranty certificate is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 4492226 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1197.94 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2838.65 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 697 | Not Applicable | 41.018% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and was recorded on xx/xx/2022 in the amount of xx in favor of xx <br> There is a civil judgment found against the borrower in favor of xx in the amount of $285.50 which was recorded on xx/xx/2023. <br> The annual county taxes for 2024 were paid in the amount of $1,162.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,370.73 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,838.65 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per xx the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/2024, the reason for default is curtailment of income.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2023, the borrower was on RPP from xx/xx/2023 to xx/xx/2024. Further details were not provided.<br> xx . Additionally, xx starting on xx/xx/2022 and the 3rd job as a xx starting on xx/xx/2022 as a xx .<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TRID rate lock disclosure delivery date test as the disclosure was not provided to the borrower within three business days after the interest rate was locked on xx/xx/2022."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows appraisal was subject to completion of renovation, and the time taken to complete renovation exceeded the limit. 1004D dated xx/xx/2024 shows renovations are completed after 1.5 years from the note date xx/xx/2022." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved at 41.01%. Review of file shows BWR is an instructor relocating out of state from WA to OR 10 hours away. File does not show any LOX on ability to work remotely. Revised DTI over 100%. Lender defect. Subject originated 8/30/22 and the 3 year SOL is active. BWR was an xx and had a second job as a xx <br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. The subject loan is a purchase case, originated on xx/xx/2022, and the 1-year SOL is expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2022 reflects points - loan discount fee at $4,206.00. Final CD dated 0xx/xx/2022 reflects points - loan discount fee at $5,645.00.<br> Loan estimate dated xx/xx/2022 reflects appraisal fee at $700.00. Final CD dated 0xx/xx/2022 reflects appraisal fee at $1,050.00.<br> Loan estimate dated xx/xx/2022 reflects HUD consultant fee at $1,000.00. Final CD dated 0xx/xx/2022 reflects HUD consultant fee at $1,040.00.<br> This is a cumulative increase in fee of $1,829.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> The subject loan is a purchase case, originated on xx/xx/2022, and the 1-year SOL is expired."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.313% exceeds APR threshold of 6.850% over by +0.463%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 7.280% exceeds APR threshold of 6.830% over by +0.450%. Subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 42104064 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2747.04 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $170.32 | 6.500% | 120 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 101.000% | 101.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 43.480% | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and was recorded on xx/xx/2023 in the amount of xx with the lender xx <br> There is an active prior mortgage against the subject property in favor of xx in the amount of xx which originated on xx/xx/2023 and recorded on xx/xx/2023 with the instrument \| Book/Page xx <br> Annual county taxes for the year of 2024 were paid in the amount of $2747.04 on xx/xx/2024.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $170.32, which was applied for the due date of xx/xx/2025. The current monthly P&I is $170.32 with an interest rate of 6.50%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the xx , the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan was repurchased from xx as the subject loan did not meet the minimum contribution of 3% funds from BWR on the loan towards closing on the first and second lien loan. Further details not provided." | \* LTV / CLTV > 100% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Collateral value used for underwriting is xx. The amount of the secondary lien is xx. The superior loan amount is xx. LTV is 6.00%, and CLTV is 101.000%. Current UPB is $13K." | \* Cash out purchase (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD dated 10/06/2023 reflects cash to the borrower in the amount of $14,900.58." |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 44103608 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | No | Not Applicable | First |  | $1496.66 | $1496.66 | 12/31/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1792.09 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 648 | Not Applicable | 28.316% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and was recorded on xx/xx/2022 in the amount of xx in favor of MERS as nominee for xx .<br> There is an active junior land contract mortgage against the subject property in favor of xx in the amount of xx originated on xx/xx/2024 and which was recorded on xx/xx/2024.<br> There is an IRS lien found against the borrower in favor of xx in the amount ofxx which was recorded on xx/xx/2023.<br> The 1st and 2nd installments of county taxes for 2023 were paid in the total amount of $2,444.50 on xx/xx/2024 and xx/xx/2024.<br> The 1st installment of county taxes for 2024 is delinquent in the total amount of $1,496.66 which was good through xx/xx/2025.<br> The 2nd installment of county taxes for 2024 is due in the total amount of $1,496.66 on xx/xx/2025. | As per the review of seller's tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,792.09 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,792.09 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per xx , the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has been xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as is, and the appraisal report includes a tape and photo addendum indicating dampness in the basement. Inspection report addressing the dampness in the basement by a licensed professional is missing from the loan documents. Further details are not provided." | \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan repurchased from xx as the unsupported appraised value, unaccepted comparables, and property value issues. The comps and the appraiser used large adjustments to arrive at an appraised value of $XX. Comp #2, with a sales price of $XX, is closest to the subject property. xx search shows an estimated value of $XX. Current UPB is $259K." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 15325847 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3584.92 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1481.90 | 4.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 733 | Not Applicable | 39.502% | First | Short Form Policy | Not Applicable | Not Applicable | 11/28/2023 | $333011.82 | $41971.90 | 4.000% | $1216.37 | 12/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with the lender MERS as nominee for xx for the amount of xx <br> No active liens or judgments have been found against the borrower or subject property.<br> The first and second installments of county taxes for 2025 are due in the amount of $3,584.92.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,763.83, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $1,216.37, and the interest rate is 4.000%.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has been modified on xx/xx/2023.<br> As per the comment dated xx/xx/2023, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2023, the borrower's income was impacted by Covid-19. FB plans ran and were extended several times from xx/xx/2022 to xx/xx/2023.<br> As per the comment dated xx/xx/2023, the xx.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx Previously, xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower xx and the lender,xx on xx/xx/2023. As per the modified term, the new principal balance is xx , the interest-bearing principal balance is xx, and the deferred adjustment balance is $41,971.90. The monthly P&I is $1,216.37 with an interest rate of 4.000% beginning on xx/xx/2023 and a maturity date of xx/xx/2063. There is no principal forgiven amount. |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the seller's tape data, the loan was delinquent in April 2022, and a modification was done. The loan is now current. According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx, and the deferred balance is xx. The loan has been modified on xx/xx/2023." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 39.50%. The tape shows BWR was not employed at the time of closing. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR has 2 months on the job as an xx , and xx equity in the subject." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 81846725 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1799.26 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1497.72 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 774 | 650 | 49.311% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2025 shows that the subject mortgage originated on xx/xx/2023 and was recorded on xx/xx/2023 in the amount of xx in favor of xx <br> No active judgments/liens have been found against the subject property/borrower.<br> The annual county taxes for 2024 were paid in the amount of $1,799.26 on xx/xx/2024.<br> No delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,051.98, which was applied on xx/xx/2025. The current P&I is $1,497.72 with an interest rate of 7.50%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> No information has been found related to damage or repairs.<br> As per the xx, the borrower has not filed for bankruptcy since loan origination.<br> As per tape data, the subject property is occupied by the owner.<br> Unable to determine RFD.<br> xx <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Prohibited Fees First Lien Test due to Fees charged $3,137.00 Exceeds Fees threshold of $0.00 Over by +$3,137.00. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,142.00<br> Processing Fee paid by Borrower: $400.00<br> Underwriting Fee paid by Borrower: $595.00"<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan approved at 49.31%. Tape shows debt miscalculation as the lender did not obtain supporting documents for debts paid off at closing. Lender defect. Review shows DTI 51.85%. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has been SE for 2 years at Uber. Additionally, BWR receives SSI. BWR2 has 7.25 years on the job as a business analyst with Travis County. Additionally, BWR2 receives VA benefits income, FICO 650, 0X30 since inception, and $26K equity in the subject." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 87066932 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6945.68 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2500.30 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 88.427% | 88.427% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 701 | 662 | 33.551% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with the lender xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The first installment of county taxes for 2024 was paid in the amount of $3,472.84.<br> The second installment of county taxes for 2024 is due in the amount of $3,472.84 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,921.11, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $2,500.30, and the interest rate is 3.625%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx.<br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the comment dated xx/xx/2023, the Covid-19 forbearance plan was approved for 3 months from xx/xx/2023 to xx/xx/2024. <br> As per the comment dated xx/xx/2024, the subject property is occupied by unknown. <br> As per the comment dated xx/xx/2024, the deferral plan was approved for 6 months.<br> As per the comment dated xx/xx/2024 xx<br> No comment pertaining to the damage to the subject property has been observed.<br>BWR1 has been SE for 5.16 years at xx.<br> BWR2 has been SE for 5.16 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial LE<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 33.51%. The tape shows qualifying income was not supported. Further details not provided. Lender defect. The subject originated on xx/xx/2021, and the 3-year SOL has expired. BWR1 has been SE for 5.16 years at xx . BWR2 has been SE for 5.16 years at xx equity in the subject."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase TRID tolerance test is incomplete due to initial LE is missing from the loan documents. Subject loan is a purchase originated on xx/xx/2021, and 1-year SOL has expired."<br> \* Missing Initial LE (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial loan estimate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 79570821 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2149.13 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3031.35 | 6.624% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 697 | Not Applicable | 49.099% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of xx .<br> No active judgments or liens were found.<br> The annual combined taxes for 2024 were paid in the amount of $2,149.13 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,755.57, which was applied for the due date of xx/xx/2025. The current monthly P&I is $3,031.35 with an interest rate of 6.624%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the property is owner-occupied.<br> Unable to determine the reason for the default<br> xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.09%. Tape shows SE income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 1.25 years at Subsea Surveyor Solutions, FICO 697, 0X30 since inception, and $57K equity in the subject.<br>Downgrade to LVL2 based on PH."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 does not reflect Appraisal Re-Inspection Fee. CD dated xx/xx/2024 reflects Appraisal Re-Inspection Fee at $200.00.<br> Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $4,735.00. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at xx.<br> This is a cumulative increase in fee of $6,709.87 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 41334581 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $885.64 | 03/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1339.06 | 6.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 99.584% | 99.584% | Streamline Refinance | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 647 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 with the lender xx in the amount of xx which was recorded on xx/xx/2024.<br> No active judgments or liens have been found.<br> 1st and 2nd installment combined taxes for the year 2024 have been paid in the amount of $885.64.<br> No prior year's taxes have been found delinquent. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,546.61 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,339.06 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The loan is currently performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> No details pertaining to the damage to the subject property have been observed.<br>The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is xx (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the FHA late charge test due to the loan charges a late fee that exceeds 4%. The mortgage may provide for the collection by the mortgagee of a late charge, not to exceed 4% of the amount of each payment more than 15 days in arrears, to cover servicing and other costs attributable to the receipt of payments from mortgagors after the date upon which payment is due."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows investor on the loan over mortgaged as the lender did not use OPB of xx of the existing lien paid off for LTV/CLTV and used appraised value of $XX. The LTV increased from 97.87% to 98.99%. xx shows an estimated value of $XX. Current UPB is $219K."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 66379612 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 03/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,446.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,446.19 with an interest rate of 8.25%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per comment dated xx/xx/2024, the reason for default is servicer issue.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per comment dated xx/xx/2024, the subject property is owner occupied.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 80526506 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 03/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,528.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,528.27 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. As per the comment dated xx/xx/2024, the borrower has been made the payment. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $3,117.76 with an interest rate of 8.250%. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> The reason for default is unable to be determined from the latest collection comments.<br> As per the comment dated xx/xx/2024, the subject property is occupied by tenant.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 15490519 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 03/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,474.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,923.18 with an interest rate of 6.82%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the reason for default is xx<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, the subject loan was modified with an effective date of xx/xx/2024 with a new UPB of xx and PITI of $2,513.12 with a 6.820% rate and a maturity date of xx/xx/2064.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 42065190 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 02/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,516.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,058.11 with an interest rate of 8.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the subject property was occupied by the owner. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 70895249 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 03/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $392.75 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $345.05 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for default.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Tape shows the property occupancy as investor.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 76765761 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kentucky | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 02/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,311.08(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,658.14 with an interest rate of 10.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. <br> As per the comment dated xx/xx/2024, the reason for default is xx <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. As per the comment dated xx/xx/2024, the property is owner occupied. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 35642927 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 02/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,908.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $7,077.94 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the reason for the default.<br> As per tape data, the subject property was owner occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 13606535 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 03/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,191.95 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $962.14 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape the subject property is owner occupied.<br> Unable to determine occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 48044661 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 02/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,992.37 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,302.22 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the collection comment dated xx/xx/2023, the reason for default is the xx.<br> As per the seller's tape data, the subject property is stated as owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 72784459 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 03/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,238.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,862.85 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is investment property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 55162702 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 01/17/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2025, the borrower has been delinquent for xx , and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,293.96 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $879.64 with an interest rate of 8.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the loan is currently in collection.<br> According to the payment history as of xx/xx/2025, the borrower has been delinquent for xx , and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2023, the reason for default is mentioned as xx <br> No information has been found regarding the forbearance plan.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the property occupancy is stated as an investment.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 7786582 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Mexico | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 03/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,098.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,746.23 with an interest rate of 9.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for default.<br> No information has been found regarding the forbearance plan.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per seller tape data, the subject property is owner-occupied.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 38777601 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 02/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,915.05, which was applied for the due date of xx/xx/2025. The current P&I is $1,915.05 with an interest rate of 9.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> No details have been found regarding modification. <br> No foreclosure and bankruptcy details activity has been found.<br> As per the comment dated xx/xx/2024, the subject property is located in FEMA disaster area which was declared on xx/xx/2024.<br> No damage and repairs have been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 50525329 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 01/17/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower has been delinquent for xx , and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,037.34 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,390.27 with an interest rate of 10.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found regarding the forbearance plan.<br> No details pertaining to the damage of the subject property have been observed.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner occupied.xx The property is located in xx that was declared for the hurricane on xx/xx/2024. CCs do not show damages.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 13460206 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 02/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,129.75 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,020.88 with an interest rate of 9.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2024, xx <br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per comment dated xx/xx/2024, the subject property is owner-occupied.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 68950451 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 02/19/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,647.80 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,135.58 with an interest rate of 5.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Reason for default is unable to be determined.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 62039033 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 01/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,915.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,702.68 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the servicing comment dated xx/xx/2024, xx <br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 52837569 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Idaho | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 02/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,823.14 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,287.24 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, xx <br> As per the seller's tape data, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2024, there is a modification for the effective date on xx/xx/2025. The new principal balance is xx The rate of interest is 7.875%. The maturity date for the modification is xx/xx/2064.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 45132357 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 03/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,970.28 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,261.02 with an interest rate of 8.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the borrower informed the servicer that she was impacted by the hurricane last week, but with another storm on the way, she wants to wait to assess all the damages. No comments have been found regarding the cost to repair the damages or completion of the repairs.<br> As per the comment dated xx/xx/2024, the subject property is occupied by tenant.<br> Unable to determine the reason for the default.<br> No comments have been found regarding foreclosure and bankruptcy.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 95889099 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 02/06/2025 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,516.55, which applied to xx/xx/2025. The loan is currently interest-only payment of $1,728.32 with an interest rate of 7.000%. The UPB as of the date mentioned in the updated payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The loan is currently interest-only payment of $1,728.32 with an interest rate of 7.000%. The UPB as of the date mentioned in the updated payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per collection comment dated xx/xx/2024,xx <br> The loan has not been modified since origination.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the collection comments dated xx/xx/2024, the FC was initiated in 2024. As per the comment dated xx/xx/2024, the foreclosure case has been dismissed due to the loan being reinstated. No further details are found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:As per the collection comments dated xx/xx/2024, the FC was initiated in 2024. As per the comment dated xx/xx/2024, the foreclosure case has been dismissed due to the loan being reinstated. No further details are found.<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 47150026 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $6522.73 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2345.91 | 5.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 664 | 700 | 44.777% | First | Final policy | Not Applicable | Not Applicable | 09/21/2023 | $433183.88 | Not Applicable | 5.000% | $2088.80 | 11/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2018 and recorded on xx/xx/2018 in the amount of xx with xx <br> No active judgments or liens have been found.<br> The 1st installment of combined taxes for 2025 has been paid in the amount of $383.04 on xx/xx/2025.<br> The 1st and 2nd installments of school taxes for 2024-2025 were paid in the total amount of $5,756.66 on xx/xx/2024 and xx/xx/2025.<br> The 2nd installment of combined taxes for 2025 is due in the amount of $383.03 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $2,088.80 with an interest rate of 5.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The reason for default is unable to be determined.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan was modified on xx/xx/2023.<br> No information has been found regarding the forbearance plan.<br> No details pertaining to the damage to the subject property have been observed.<br> The occupancy of the subject property is unable to be determined.<br> xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx and the lender, xx , on xx/xx/2023. As per the modified term, the new principal balance is xx . The monthly P&I is $2,088.80 with an interest rate of 5.000% beginning on xx/xx/2023 and a maturity date of xx/xx/2063. The loan has been modified once since origination. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 44.77%. The tape reflects an increased DTI of 47.12%. Further details not provided. The subject loan originated on xx/xx/2018 and the 3-year SOL has expired. BWR1 has been an SE for 11 years at xx . BWR2 has 11.5 years on the job as a xx <br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.77%; the borrower's income is xx , and total expenses are in the amount of xx nd the loan was underwritten by LP xx and its recommendation is accept with a DTI of 45%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 5541655 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2177.94 | 02/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2570.59 | 7.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 640 | 695 | 31.442% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of xx with xx <br> No active judgments or liens were found. <br> The annual combined taxes for 2024 were paid in the amount of $2,177.94 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,126.55 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,570.59 with an interest rate of 7.490%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per xx the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per seller's tape data, the subject property is owner-occupied.<br> xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows subject loan was approved using the asset distribution program. Lender used xx assets to qualify and did not rely on any employment earnings. Bank statements in the file show $2.6M in mutual funds and $124K in checking account."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 87071217 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Hampshire | xx | xx | xx | New Hampshire | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2842.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1174.02 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 101.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 692 | Not Applicable | 49.384% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of xx <br> There is an active junior mortgage against the subject property in favor of MERS as nominee for xx in the amount of $6,840.00, which originated on xx/xx/2024 and was recorded on xx/xx/2024 with the instrument \| Book/Page xx <br> There are 04 prior civil judgments found against the borrower in the total amount of $2,938.75 filed by different plaintiffs, which were recorded on different dates.<br> The 1st and 2nd installments of town taxes for 2024 were paid in the total amount of $2,843.11 on xx/xx/2024 & xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,717.47 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,174.02 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $1,174.02 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the xx , the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape, the subject property has been occupied by the owner.<br> xx .<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan failed the QM APR test. The Infinity CE report shows the loan failed the QM APR test. Further details not provided."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject loan is a purchase case originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial closing disclosure is missing from loan documents." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed QM safe harbor threshold test due to APR calculated 7.984% exceeds APR threshold of 7.950% over by +0.034%."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.762% exceeds APR threshold of 7.950% over by +0.812%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 67144492 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8654.14 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4330.28 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | No | Not Applicable | Unavailable | 721 | Not Applicable | 46.863% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of xx No active judgments or liens were found. The 1st installment of county taxes for 2024-2025 was paid in the amount of $4,327.07 on xx/xx/2024. The 2nd installment of county taxes for 2024-2025 is due in the total amount of $4,327.07 on xx/xx/2025. The 1st and 2nd installments of county taxes for 2025-2026 are due in the total amount of $1,424.86 on xx/xx/2025 and xx/xx/2025. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,426.88 which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,330.28 with an interest rate of 7.630%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. As per the servicing comment dated xx/xx/2024, xx . As per servicing comment dated xx/xx/2024, the subject property is owner occupied. No evidence has been found regarding the foreclosure proceedings. As per xx , the borrower has not filed bankruptcy since loan origination. No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Application<br> Flood Certificate<br> Hazard Insurance<br> Initial 1003_Application<br> Initial Escrow Acct Disclosure<br> Missing Initial Closing Disclosure<br> Missing Initial LE<br> Missing or error on the Rate Lock<br> Missing Required Disclosures<br> Mortgage Insurance<br> Notice of Servicing Transfer | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. The tape indicates that the property is NOO due to misrepresentation. Further details were not provided. Elevated for client review." | \* Application Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Final application is missing from the loan documents."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete due to initial LE and initial CD are missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL is active."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing flood cert (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Flood certificate is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial closing disclosure is missing from the loan documents."<br> \* Missing Initial LE (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial loan estimate is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance policy is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Settlement services provider list is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows subject approved at 46.86%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details are not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. FICO 721 and $37K equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 46524787 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6980.87 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4805.89 | 7.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 764 | Not Applicable | 33.907% | First | Preliminary title policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and was recorded on xx/xx/2025 in the amount of xx in favor of xx <br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024/2025 were paid in the total amount of $6,980.87 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,925.31 which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,805.89 with an interest rate of 7.490%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per xx , the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Missing Required Disclosures | xx | 3: Curable |  | \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Revised CD dated xx/xx/2024 is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file show the subject condo association is involved in litigation, and further information regarding the litigation is not available in the loan documents. Zillow search shows an estimated value of $XX. Current UPB $688K." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 72377820 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5198.13 | 03/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $3517.03 | $4501.36 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 789 | Not Applicable | 39.160% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx with xx <br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024/2025 were paid in the amount of $5,396.28 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,517.03, which was applied for the due date of xx/xx/2025. The monthly payment is $3,517.03 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. The loan is interest only for 120 months. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. <br> No evidence has been found regarding the foreclosure proceedings.<br> As per the xx the borrower has not filed for bankruptcy since loan origination.<br> As per tape data, the subject property is owner-occupied.<br> No information has been found related to damage or repairs.<br> BWR has been SE for 7.75 years at xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/2025. Initial LE dated xx/xx/2025 reflects lender credit at $3,163.00. Final CD dated xx/xx/2025 reflects lender credit at $2,629.13. This is decrease of +$533.87 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file show the subject condo association is involved in litigation, and further information regarding the litigation is not available in the loan documents. Zillow search shows an estimated value of $XX. Current UPB $553K." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 15491375 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $4991.25 | 03/20/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1627.78 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 68.030% | 68.030% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | Yes | 722 | Not Applicable | 39.772% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and was recorded on xx/xx/2025 in the amount of xx in favor of xx <br> There is an active prior mortgage against the subject property in favor of xx 2020 Exemption Trust u/a/d December 22, 2020 in the amount of xx which originated on xx/xx/2023 and recorded on xx/xx/2023 with the instrument xx <br> The annual county taxes for 2024 were paid in the amount of $4,891.42 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,989.30 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,627.78 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per xx , the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has been SE for 24.83 years at xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows Florida condo w/no structural inspection per new 2025 SB 721 law. Further details were not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 9701364 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6596.11 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1968.30 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 101.850% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 746 | Not Applicable | 49.913% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2025 in the amount of xx in favor of xx <br> There is an active junior mortgage against the subject property in favor ofxx in the amount of xx which originated on xx/xx/2024 and recorded on xx/xx/2025 with the instrument xx <br> The annual county taxes for 2024 were paid in the amount of $6,332.27 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,812.97 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,968.30 with an interest rate of 7.00%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per xx , the borrower has not filed bankruptcy since loan origination.<br> BWR has 1.83 years on the job as a xx BWR had 3.25 years on the job with xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.91%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 1.83 years on the job as a xx and 0X30 since inception."<br> \* LTV / CLTV > 100% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 101.85% CLTV under the bond loan program." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 18989559 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $6586.14 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3481.15 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 782 | Not Applicable | 49.554% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and was recorded on xx/xx/2025 in the amount of xx.<br> There is an active prior mortgage against the subject property in favor of the xx non-profit foundation, as to an undivided 50% interest, and xx, a single man, as to an undivided 50% interest in the amount of xx, which originated on xx/xx/2023 and was recorded on xx/xx/2023 with the instrument xx.<br> The 1st installment of county taxes for 2024 was paid in the amount of $3,293.07 on xx/xx/2025.<br> The 2nd installment of county tax for 2024 is due in the amount of $3,293.07 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment date is xx/xx/2025. According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $3,481.15, and the interest rate is 7.250%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment date is xx/xx/2025. According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per the tape data, the subject property is owner occupied.<br> BWR has been SE for 3.16 years at XXX.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan was approved at 49.55%. Tape shows income miscalculation as the lender did not average income over 24 months. The revised DTI is 60.32%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has been SE for 3.16 years atXXXX, FICO 782, $56K equity in the subject, and $3,804 residual income." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows loan documents are missing due to a security breach that occurred on 8/XX/21 while the documents were in the possession of the lender or investor. A review of the file shows all required documents are available in the loan file. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 55274651 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1646.48 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2209.90 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 720 | 778 | 49.753% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2023 were paid in the total amount of $1,638.32 on xx/xx/2024 and xx/xx/2024.<br> The annual county taxes for 2024 are due in the amount of $1,646.48 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,209.90 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,209.90 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> BWR1 has 2 months on the job as a skilled laborer with xx. Additionally, BWR1 has 1.66 years in the second job as a xx. BWR2 has 3 years on the job as a driver with XXX. Additionally, BWR2 has been SE for 2.91 years at XXX.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2024. Initial LE dated xx/xx/2024 reflects lender credit at $1,226.93. The final CD dated xx/xx/2024 reflects the lender at $0.00. This is a decrease of +$1,226.93 for the fee, which has a 0% tolerance test. The subject loan is a purchase originated on xx/xx/2024, and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 49.75%. Tape shows BWR qualified as W2 and now became SE. The lender is not able to document SE income. The revised DTI is 51.12%. BWR defect. Further details not provided. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 2 months on the job as a xx Additionally, BWR1 has 1.66 years in the second job as a xx . BWR2 has 3 years on the job as a xx , BWR2 has been SE for 2.91 years at xx <br> Downgrade to LVL2 based on PH." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 18480992 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | xx | xx | Utah | xx | xx | No | Yes | Not Applicable | First |  | $150.66 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $2313.17 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 59.953% | 59.953% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 620 | 747 | 32.499% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx<br> No active judgments or liens have been found.<br> The 2024 annual taxes have been delinquent in the amount of $150.66 which were due on xx/xx/2024 and good through xx/xx/2025. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,711.72 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,313.17 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is active bankruptcy.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> According to the xx , the borrower filed for bankruptcy under Chapter 13 with case xx on xx/xx/2025. The bankruptcy is still active.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner occupied.<br> BWR1 has 1.50 years on the job as an xx . BWR1 has prior employment experience as an xx BWR2 has 4.25 years on the job as a dentist with xx <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx filed for bankruptcy under Chapter xx on xx/xx/2025. As per voluntary petition schedule D (Doc#7) the amount of claim without deducting the value of the collateral is xx and the value of the collateral is xx. The unsecured portion is $0.00. The chapter 13 (xx) plan was filed on xx/xx/2025 and not yet confirmed. The borrower has promised to make a monthly mortgage payment of $2,711.72 to the trustee under the chapter 13 plan. The bankruptcy is still active. | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject was approved at 32.49%. Tape shows insufficient income documentation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 1.50 years on the job as xx . BWR1 has prior employment xx and at xx | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $XX. Current UPB is $379K."<br> \* ComplianceEase Risk Indicator is xx " (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed compliance ease delivery and timing test for revised CD dated xx/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date xx/xx/2024, which is after the consummation date xx/xx/2024."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2024. Initial CD dated xx/xx/2024 reflects lender credit at $3,502.20. Final CD dated xx/xx/2024 reflects lender credit at $3,418.69. This is decrease of +$83.51 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 28319698 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Mississippi | xx | xx | xx | Mississippi | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2863.66 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1760.39 | 6.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 691 | 684 | 54.215% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx with MERS as nominee for xx <br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $2863.66 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2204.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,760.39 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No information has been found related to damage or repairs<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.83 years on the job as xx . Additionally, BWR1 has 7 months on the second job as a xx . BWR2 receives xx income. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* Type of Ownership is Leasehold Or Cooperative (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "As per the final title policy located at LPolicy OPolicy rec docs.pdf xx , the subject property is leasehold. The subject leasehold agreement is located at "Full Package—Harris xx and the leasehold term expires xx/xx/2064, and the mortgage matures on xx/xx/2054. The final title policy shows an exception for lease agreement." | \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 54.21%. Tape shows undisclosed FHA mortgage debt on another property. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 1.83 years on the job as a xx . BWR2 receives xx income, xx |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 80835173 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,102.29, which applied for xx/xx/2025. The current P&I is $3,578.37 with an interest rate of 5.325%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The current P&I is $3,578.37 with an interest rate of 5.325%. The UPB is xx.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> Information regarding the damage and repair is not available in the latest servicing comments.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 30117721 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,890.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,173.61 with an interest rate of 4.600%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 80678524 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,185.05 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,350.37 with an interest rate of 4.230%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine occupancy of the subject property.<br> Unable to determine the reason for the default of the borrower.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 88841052 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 03/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,897.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,520.38 with an interest rate of 4.680%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $1,520.38 with an interest rate of 4.680%. The UPB is xx.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> Information regarding the damage and repair is not available in the latest servicing comments.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 92126130 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,617.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,617.50 with an interest rate of 4.380%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per seller's tape data, the subject property is occupied by the tenant.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 48191907 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,557.11 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,276.61 with an interest rate of 5.150%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 36422884 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,187.24 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,755.57 with an interest rate of 5.330%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 15449726 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,000.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,096.93 with an interest rate of 5.330%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per tape, the subject property stated as investor.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 37799853 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,185.95 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,551.35 with an interest rate of 5.475%. The current UPB reflected as per the payment history is xx. The loan is interest only for 120 months. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 34050905 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,023.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,185.79 with an interest rate of 4.950%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 88351707 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,600.22 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,618.15 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 68302828 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,409.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,681.38 with an interest rate of 4.950%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 48217410 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 03/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,341.10 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $974.55 with an interest rate of 4.650%. The current UPB, reflected as per the payment history, is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the current condition and occupancy of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 34164413 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,407.29 which was applied for the due date of xx/xx/2025. The current monthly P&I is $899.65 with an interest rate of 4.880%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 42415115 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,351.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,970.70 with an interest rate of 5.100%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 13048411 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,945.92 (PITI), which was applied for the due date of xx/xx/2025. The current UPB as per payment history is xx. The current P&I is $1,735.80 with an interest rate of 4.875%. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB as per payment history is xx. The current P&I is $1,735.80 with an interest rate of 4.875%.<br> No information has been found regarding the forbearance plan.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> The occupancy of the subject property is unable to be determined.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 38610796 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,599.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,994.53 with an interest rate of 5.025%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the current condition and occupancy of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 57003348 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,860.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,073.50 with an interest rate of 4.650%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $1,073.50 with an interest rate of 4.650%. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> Unable to determine the occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 54423672 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,478.60 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,036.18 with an interest rate of 5.630%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $1,036.00 with an interest rate of 5.630%. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> Unable to determine the occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 51946107 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,143.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $661.37 with an interest rate of 4.600%. The current UPB as per payment history, is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $661.37 with an interest rate of 4.600%. The current UPB as per payment history, is xx.<br> As per the comment dated xx/xx/2024, the reason for default was excessive obligations.<br> No information has been found regarding the forbearance plan.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> The occupancy of the subject property is unable to be determined.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 1220884 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,903.85 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,174.30 with an interest rate of 4.275%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the current condition and occupancy of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 89743638 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $6,124.96 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,339.17 with an interest rate of 5.225%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The occupancy of the subject property is unable to be determined.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 40187040 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,660.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,791.93 with an interest rate of 4.680%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the subject property is investment. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 51436757 | xx | PH+SC | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $979.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $463.12 with an interest rate of 3.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the current condition and occupancy of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | DONE |
| 21121444 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1448.73 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1156.19 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 657 | 724 | 42.807% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and was recorded on xx/xx/2023 in the amount of xx in favor of xx<br> No active judgments or liens were found.<br> The annual county taxes for 2024 were paid in the amount of $1,390.78 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,812.92 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,156.19 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The reason for default is unable to be determined.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR1 has been an SE for 4.25 years with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing Initial Closing Disclosure | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as is. The tape and loan file show an engineer's certificate by a licensed professional verifying the structural integrity of the subject property is missing from the loan documents. Zillow search shows an estimated value of $ xx. Current UPB is $167K." | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged xx exceed fees threshold of $ xx over by xx.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,578.00<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $295.00.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $6,668.00 exceed fees threshold of $5,038.09 over by +$1,629.91.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,578.00<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $295.00."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial closing disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at xx The BWR relocated from xx to xx and is xx. Lender miscalculated xx income; revised DTI xx Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. <br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/2023, and the 1-year SOL is expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling organizations disclosure is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at xx the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at xx state that the manufactured home with serial xx has been affixed to the permanent foundation." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 26351345 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $15121.72 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4477.72 | 5.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 48.225% | 48.225% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 713 | Not Applicable | 41.848% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The first installment of combined taxes for 2024 has been paid in the amount of $7,560.86 on xx/xx/2025.<br> The second installment of combined taxes for 2024 is due in the amount of $7,560.86 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,833.49 which was applied for the due date of xx/xx/2025. The current P&I is $4,477.72 with an interest rate of 5.125%. The current UPB reflected as per the payment history is xx‬. As per PH transaction dated xx/xx/2024, principal curtailment in the amount of xx. As per the collection comment dated xx/xx/2024, these are borrower payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 22.83 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete because the initial CD is missing from the loan documents."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial closing disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at xx. Lender miscalculated SE income; revised DTI unknown as BWR has interest in multiple businesses and tax returns were not provided. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. The BWR is SE with xx<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 49628471 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | Second | xx | $0.00 | $13926.68 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3713.80 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 78.470% | 78.470% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 663 | Not Applicable | 43.727% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx with xx<br> There is an active junior mortgage against the subject property in favor of xx in the amount of xx which originated on xx/xx/2024 and was recorded on xx/xx/2024 with the instrument xx<br> There is a UCC lien found against the subject property in favor of xx which was recorded on xx/xx/2023.<br> There is an HOA lien on the subject property in favor of xx, in the amount of xx, which was recorded on xx/xx/2023.<br> The 1st and 2nd installments of county taxes for 2024-2025 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,311.57 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,713.80 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the reason for default is excessive obligations.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found regarding the forbearance plan.<br> No details pertaining to the damage to the subject property have been observed.<br> The occupancy of the subject property is unable to be determined.<br> BWR has 23.66 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Transmittal (1008) | xx | 3: Curable |  | \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from the documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at a DTI of 43.73% and the tape shows the approved DTI exceeds the maximum allowable limit. Further details not provided. Review shows ATR confirmed."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD dated xx/xx/2022 is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The transmittal summary is missing from the loan documents. The closing terms on the transmittal summary are different from the subject loan." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial CD is missing from the loan documents. The subject loan is a purchase case originated on xx/xx/2022, and the 1-year SOL has expired." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 19460922 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6466.04 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2274.65 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 91.375% | 91.375% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 725 | 712 | 48.888% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx with xx.<br> There is a civil judgment against borrower xx in the amount of $1,693.77 in favor of xx, which was recorded on xx/xx/2022.<br> The first and second installments of county taxes for 2025 are due in the total amount of $6,466.04.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,329.53 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,274.65 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the occupancy of the subject property.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 13.33 years on the job as xx<br> BWR2 has 10 years on the job as xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the appraised value is not supported, and the appraiser used large adjustments to arrive at an appraised value of xx Zillow search shows an estimated value of $XX. Current UPB is $505K." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2021 and the 1-year SOL has expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 48.88%, as the borrower's income is xx and total expenses are in the amount of xx and the loan was underwritten by xx and its recommendation is Approve/Eligible with a DTI of 48.88%." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 3713966 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | $204.66 | $2067.55 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2568.45 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 749 | Not Applicable | 37.822% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 in the amount of xx<br> No active judgments or liens were found.<br> For Parcel xx<br> The 1st, 2nd, and 3rd installments of county taxes for 2024 were paid in the total amount of $1,760.58 on xx/xx/2024.<br> For Parcel xx<br> The 1st and 2nd installments of county taxes for 2024 are delinquent in the total amount of $204.66, which were due on xx/xx/2024 & xx/xx/2025 and good through xx/xx/2025.<br> The 3rd installment of county taxes for 2024 was paid in the amount of $102.33 on xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,847.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,568.45 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx<br>| Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The occupancy of the subject property is unable to be determined.<br> BWR has 1 month on the job xx. BWR had multiple jobs in the past 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing Initial Closing Disclosure | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the stove hookups and electrical appliances need to be removed from the xx. 1004D shows that all the electrical appliances and stove hook-ups have been removed from the ADU, and it is considered for storage use only. Zillow search shows an estimated value of xx. Current UPB is $389K."<br> \* Property is Manufactured Housing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at xx the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at xx and xx state that the manufactured home with serial xx has been affixed to the permanent foundation. Schedule B of the final title policy, which is located at xx, shows an exception for manufactured home." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID total of payment disclosed on final CD as xx Calculated total of payments is xx for an under disclosed amount of xx. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100. Subject loan is a purchase case, originated on xx/xx/2023 and the 1-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2023 and the 1-year SOL has expired."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceed fees threshold of xx over by +$1,111.67. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $595.00.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged xx exceed fees threshold of xx over by +$1,111.67. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $595.00."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 885383 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6260.14 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $579.91 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 72.027% | 72.027% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 752 | Not Applicable | 49.759% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and was recorded on xx/xx/2021 in the amount of xx in favor of xx<br> There is an active junior mortgage against the subject property in favor of xx in the amount of xx which originated on xx/xx/2023 and recorded on xx/xx/2023.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $6,260.14 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,313.02 which was applied for the due date of xx/xx/2025. The current monthly P&I is $579.91 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> The loan has not been modified since origination.<br> As per tape, the subject property is owner-occupied.<br> BWR has 11.91 years on the job as xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as-is. Tape and review of the appraisal report show rotten window frames in the rear room. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. Zillow search shows an estimated value of $XX. Current UPB is $122K." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$153.10. Subject loan is a refinance case, originated on xx/xx/2021 and the 3-year SOL has expired.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as xx Calculated finance charge is xx for an under disclosed amount of -$153.10. Subject loan is a refinance case, originated on xx/xx/2021 and the 3-year SOL has expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.75%, as the borrower's income is $3,527.33 and total expenses are in the amount of $1,755.18 and the loan was underwritten by xx and its recommendation is Approve/Eligible with a DTI of 49.75%." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 76142283 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4403.01 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | Yes | xx | Not Applicable | $1551.32 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 69.725% | 69.725% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 652 | Not Applicable | 44.574% | First | Short Form Policy | Not Applicable | Not Applicable | 05/17/2023 | $371801.17 | Not Applicable | 2.750% | $1277.98 | 07/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx with xx.<br> No active judgments or liens have been found.<br> The first, second, third, and fourth installments of county taxes for 2025 were paid in the amount of $4,403.01.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,784.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,277.98 with an interest rate of 2.750%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2023, the RFD was unemployment. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> According to the PACER, the BWRs xx filed the bankruptcy under Chapter 7 on xx/xx/2024 with case xx. The BK was discharged on xx/xx/2024 and terminated on xx/xx/2024.<br> The loan was modified on xx/xx/2023.<br> Unable to determine the current occupancy status. <br> BWR has 2.66 years on the job as xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the BWRs xx filed the bankruptcy under Chapter 7 on xx/xx/2024 with xx. As per the voluntary petition, the value of collateral was xx and the amount of the secured claim was xx. The unsecured portion is $0.00. The BK was discharged on xx/xx/2024 and terminated on xx/xx/2024. | The modification agreement was made between the borrowers xx, and the lender xx, on xx/xx/2023. As per the modified term, the new principal balance is xx. The monthly P&I is $1,277.98 with an interest rate of 2.750% beginning on xx/xx/2023 and a maturity date of xx/xx/2063. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Appraisal (Incomplete)<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $XXXX. Current UPB $363K."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 44.57%. Tape shows Freddie disagrees with the income calculations. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has 2.66 years on the job as a xx with xx<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a refinance, originated on xx/xx/2021, and the SOL is 3-year."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling organizations disclosure is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.57% as the borrower's income is xx and total expenses are in the amount ofxx and the loan was underwritten by xx and its recommendation is Approve/Eligible with a DTI of 44.57%." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 44197074 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | First |  | $88.54 | $4470.44 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1421.81 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 83.871% | 83.871% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 754 | Not Applicable | 49.915% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 in the amount of xx with xx<br> No active judgments or liens have been found.<br> The third installment of town taxes for 2024 has been delinquent in the total amount of $88.54, which is payable through xx/xx/2025.<br> The fourth annual installment of town taxes for 2024 is due in the amount of $1,117.61 on xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,984.10 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,421.81 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8.16 years on the job as xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.92%. The Lender did not include the total primary mortgage payment; revised DTI 55.02%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 91617355 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Hampshire | xx | xx | xx | New Hampshire | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $9116.59 | xx | Unavailable | No | Loss Mitigation | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $1136.67 | 2.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 69.877% | 69.877% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 702 | Not Applicable | 42.654% | First | Short Form Policy | Not Applicable | Not Applicable | 04/08/2024 | $350967.06 | Not Applicable | 2.625% | $1278.33 | 05/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx with xx<br> There is an active junior credit card judgment against the borrower xx was recorded on xx/xx/2022 with the amount of $8,981.47.<br> There is an active junior civil judgment against the borrower xx, in favor of xx, which was recorded on xx/xx/2024 with the amount of $1,614.93.<br> The annual installment of county taxes for 2024 was paid in the amount of $9,116.59 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the review of the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of PITI $2,345.87, which was applied to the due date of xx/xx/2025. The current P&I is $1,278.33 with an interest rate of 2.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the review of the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the collection comment dated xx/xx/2025, the RFD was an excessive obligation.<br> The loan was modified on xx/xx/2024.<br> As per the review of the servicing comments, the foreclosure was initiated in 2024. As per the collection comment dated xx/xx/2024, the foreclosure sale date was scheduled for xx/xx/2024. The foreclosure file was closed on xx/xx/2024 due to loan modification.<br> According to the PACER, the borrower, xx filed bankruptcy under chapter 13 with xx on xx/xx/2023. The BK was dismissed on xx/xx/2023 and the case was fully terminated on xx/xx/2023.<br> As per the collection comment dated xx/xx/2024, the subject property was occupied by the owner. CCs do not show any damage.<br> Foreclosure Comments:As per the review of the servicing comments, the foreclosure was initiated in 2024. As per the collection comment dated xx/xx/2024, the foreclosure sale date was scheduled for xx/xx/2024. The foreclosure file was closed on xx/xx/2024 due to loan modification.<br> Bankruptcy Comments:According to the PACER, the borrower xx , filed bankruptcy under chapter 13 with the case xx on xx/xx/2023. The Chapter 13 plan and voluntary petition details are not available. The BK was dismissed on xx/xx/2023, and the case was fully terminated on xx/xx/2023.<br>| The modification agreement was made between the borrower xx, and the lender xx on xx/xx/2024. As per the modified term, the new principal balance is xxThe monthly P&I is $1,278.33 with an interest rate of 2.625% beginning on xx/xx/2024 and a maturity date of xx/xx/2059. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 42.65%. Tape shows an undisclosed auto and revolving debts opened prior to closing. Revised DTI is 59%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. <br> \* Compliance Testing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged xx exceed fees threshold of $8,148.84 over by $2,601.42. The below fees were included in the test: Application Fee paid by Borrower: $500.00<br> Points - Loan Discount Fee paid by Borrower: xx."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$275.00. Subject loan is a refinance case, originated on xx/xx/2021 and the 3-year SOL has expired.<br>Loan failed TILA Foreclosure Rescission finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$240.00. Subject loan is a refinance case, originated on xx/xx/2021 and the 3-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/2021 and the 3-year SOL has expired."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceed fees threshold of $8,148.84 over by $2,601.42. The below fees were included in the test: Application Fee paid by Borrower: $500.00<br> Points - Loan Discount Fee paid by Borrower: xx."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 34609541 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1782.13 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2210.16 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 71.111% | 71.111% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 748 | Not Applicable | 44.736% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $1,003.95 on xx/xx/2024.<br> The annual installment of town taxes for 2024 has been paid in the amount of $778.18 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,564.67 which was applied for the due date of xx/xx/2025. The current P&I is $2,210.16 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx‬. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,564.67 which was applied for the due date of xx/xx/2025. The current P&I is $2,210.16 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx‬.<br> Unable to determine the occupancy of the subject property.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Previously, BWR was xx at the University of xx between xx/xx/2018 and xx/xx/2021 for 3.91 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TRID post-consummation revised closing date and consummation date validation test.<br>This loan failed the TRID Post-Consummation Event Validation Test.<br>This loan failed the TRID disclosure delivery date validation test."<br> \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. Finance charge disclosed on final CD as xx The calculated finance charge is xx for an undisclosed amount of -$1,924.05. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2023 and the SOL is 3 years.<br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final CD as xx. The calculated finance charge is xx for an undisclosed amount of -$1,889.05. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2023 and the SOL is 3 years.<br>The TRID total payment disclosed on the final CD was xx The calculated total of payments is xx for an undisclosed amount of -$1,920.00. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2023 and the SOL is 3 years.<br>The TRID Rescission Total of Payments Test disclosed on the final CD was xx. The calculated total of payments is xx for an undisclosed amount of -$1,920.00. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100. <br> The subject loan is a refinance, originated on xx/xx/2023, and the SOL is 3 years."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete because the initial CD is missing from the loan documents."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Written list of service providers disclosure is missing from the loan file." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 44.74%. Tape shows misrepresentation of income. Further details provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. |  | Moderate | Pass | Fail | No Result | Pass | No Result | Fail | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 7040976 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4000.53 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $985.90 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 723 | Not Applicable | 39.428% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and was recorded on xx/xx/2021 in the amount of xx with the lender xx<br> No active judgments or liens were found.<br> Annual county taxes for the year 2024 were paid in the amount of $3840.51 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,065.87 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $985.90 with an interest rate of 2.75%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 39.42%. Tape shows undisclosed debt opened prior to closing, as the revised DTI is 54.68%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2021, and the 3-year SOL has expired. <br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is a refinance case, originated on xx/xx/2021, and the 3-year SOL has expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 62979401 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $764.58 | xx | Unavailable | No | Modification/Short Sale Pending | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $737.81 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 67.568% | 67.568% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 717 | Not Applicable | 36.362% | First | Short Form Policy | Not Applicable | Not Applicable | 10/01/2024 | $190139.72 | Not Applicable | 3.000% | $680.67 | 10/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 with instrument xx in the amount of xx with xx<br> There is a credit card judgment found against the borrower xx in favor of xx in the amount of xx, which was recorded on xx/xx/2023.<br> The annual county taxes for 2024 were paid in the amount of $764.58 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,111.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $680.67 with an interest rate of 3.00%. The current UPB, reflected as per the payment history, is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB, reflected as per the payment history, is xx.<br> The loan was modified on xx/xx/2024.<br> As per the servicing comments dated xx/xx/2024, the reason for default is unemployment.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2023, the borrower's income was impacted by Covid-19.<br> As per the comment dated xx/xx/2023, the foreclosure was initiated on the loan in 2023. As per the servicing comments dated xx/xx/2024, the foreclosure sale is scheduled for xx/xx/2024. As per the servicing comments dated xx/xx/2024, the loan is placed on hold due to loss mitigation, and the borrower accepts trial modification from xx/xx/2024 to xx/xx/2024. The loan was modified on xx/xx/2024.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:As per the comment dated xx/xx/2023, the foreclosure was initiated on the loan in 2023. As per the servicing comments dated xx/xx/2024, the foreclosure sale is scheduled for xx/xx/2024. As per the servicing comments dated xx/xx/2024, the loan is placed on hold due to loss mitigation, and the borrower accepts trial modification from xx/xx/2024 to xx/xx/2024. The loan was modified on xx/xx/2024.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers xx and the lender xx, on xx/xx/2024. As per the modified term, the new principal balance is xx The monthly P&I is $680.67 with an interest rate of 3.00%, beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Appraisal (Incomplete) | xx | 2: Acceptable with Warnings |  |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $XXXX. Current UPB $188K."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject was approved at 36.36%. Tape shows Freddie Mac does not approve qualifying income. Further details not provided. Lender defect. The subject loan originated on xx/xx/2020, and the 3-year SOL has expired.<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase TRID tolerance test is incomplete due to the initial CD is missing from the loan documents. The subject loan is a refinance case originated on 0xx/xx/2020, and the 3-year SOL has expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling organizations disclosure is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 24236870 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1006.76 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $846.41 | 5.750% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | 99.342% | 99.342% | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 662 | 663 | 32.028% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The first and second installments of combined taxes for 2024 are due in the amount of $1,006.76 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,113.87 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $846.41 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan was modified on xx/xx/2024.<br> As per the servicing comment dated xx/xx/2024, the reason for default is other.<br> As per tape data, the property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 receives social security income.<br> BWR2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The subject is a VA fixed-rate mortgage originated on xx/xx/2023 with a maturity date of xx/xx/2053. The P&I of $846.41 and the rate of interest of 5.750% are the same on the note and the PH. As per the servicing comment dated xx/xx/2025, the loan has been modified and is effective on xx/xx/2024 with a P&I of $846.41, a rate of interest of 5.750%, and a maturity date of xx/xx/2053. The modification agreement is missing from the loan file. | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test incomplete due to initial CD missing from the loan documents."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows original documents have been requested from the custodian to be returned to the corporate office. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The VA guaranty certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial CD is missing from the loan documents." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA post-consummation revised closing disclosure finance charge test due to the calculated finance charge of xx exceeds the disclosed finance charge of xx over by -$2,010.05.<br> Loan failed TILA post-consummation revised closing disclosure foreclosure rescission finance charge test of xx exceeds the disclosed finance charge of xx over by -2,010.05.<br>TILA post-consummation Revised Closing Disclosure APR test due to APR calculated at 6.304% exceeds APR threshold of 6.437% over by -0.133%."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 93491709 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $1121.00 | $1121.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $810.75 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 35.112% | 35.112% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 650 | Not Applicable | 46.456% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with Instrument xx in the amount of xx with xx <br> There is a state tax lien against the borrower filed by the State of xxe Department of Revenue, which was recorded on xx/xx/2025. The amount of lien is not provided. <br> For Parcel xx<br> The annual county tax for 2023 has been paid in the amount of $380.00 on xx/xx/2024.<br> The annual county tax for 2024 is delinquent in the amount of $419.00 and good through xx/xx/2024.<br> For Parcel xx<br> The annual county tax for 2023 has been paid in the amount of $637.00 on xx/xx/2024.<br> The annual county tax for 2024 is delinquent in the amount of $702.00 and good through xx/xx/2024. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $810.75, which was applied for the due date of xx/xx/2025. The current P&I is $810.75 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found regarding the forbearance plan.<br> No details pertaining to the damage to the subject property have been observed.<br> The occupancy of the subject property is unable to be determined.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails qualified mortgage lending policy points and fees test due to fees charged $4,664.26 exceed fees threshold of $3,574.79 over by +$1,089.47.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $500.00<br> Points - Loan Discount Fee paid by Borrower: $3,869.26<br> Underwriting Fee paid by Borrower: $295.00."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the state regulations for the brokerage/finder fee test due to fees charged $4,664.26 exceed fees threshold of $2,500.00 over by +$2,164.26. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $500.00<br> Points - Loan Discount Fee paid by Borrower: $3,869.26<br> Underwriting Fee paid by Borrower: $295.00."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is refinance case, originated on xx/xx/2022 and the SOL is 3 years."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $4,664.26 exceed fees threshold of $3,574.79 over by +$1,089.47. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $500.00<br> Points - Loan Discount Fee paid by Borrower: $3,869.26<br> Underwriting Fee paid by Borrower: $295.00."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.92%. Lender did not account for the farm loss on the tax returns; revised DTI 83.85%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. <br> Downgrade to LVL2 based on PH."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 46.45%, as the borrower's income is xx and total expenses are in the amount of xx and the loan was underwritten by xx and its recommendation is to accept with a DTI of 46.00%." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 98654647 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1428.72 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $660.10 | 3.500% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | 79.459% | 79.459% | Full Documentation | Not Applicable | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 665 | 674 | 52.418% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were paid in the amount of $1,421.58 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $953.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $660.10 with an interest rate of 3.50%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> BWR receives social security, VA compensation, and retirement income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is uninsured as the appraised value of $XX used to approve the loan amount of $XX is not supported by the NOV (Notice of Value) of $XX. Further details not provided." | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate.<br> The loan failed the state regulation for the first lien prohibited fees test. The following fees were included in the test: Attorney's Fee (Closing Agent Only) paid by Borrower: $125.00"<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete due to the initial CD missing from the loan documents."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The homeownership counseling disclosure is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the qualified mortgage DTI threshold test. This loan has a qualified mortgage DTI of 52.41% as the borrower's income is xx and total expenses are in the amount of xx and the loan was underwritten by xx and its recommendation is Approve/Eligible with a DTI of 52.41%." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 71391026 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Montana | xx | xx | xx | Montana | xx | xx | No | Yes | Not Applicable | First |  | $4192.60 | $7924.58 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2229.42 | 4.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 44.221% | 44.221% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 723 | Not Applicable | 49.437% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The 1st installment of combined taxes for 2024 is delinquent in the amount of $4,192.60 and good through xx/xx/2025.<br> The 2nd installment of combined taxes for 2024 is due in the amount of $3,927.98 on xx/xx/2025. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,229.42 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,229.42 with an interest rate of 4.50%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2023, the borrower received a loss draft check in the total amount of xx and the date of loss was xx/xx/2023. Unable to determine the type of damage and current status of repairs. Subsequent comments do not show damage.<br> The occupancy of the subject property is unable to be determined.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan is closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value of $XX. The current UPB is $422K."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete due to the initial CD missing from loan documents. The subject loan is a refinance case, originated on xx/xx/2022, and the 3-year SOL is active."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling organizations disclosure is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial closing disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.43%. Tape shows BWR opened new auto loan debt prior to closing. Revised DTI is over 50%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. <br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.43%. The borrower's income is xx and total expenses are in the amount of xx The loan was underwritten by xx and its recommendation is Approve/Eligible with a DTI of 49.44%." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 85468985 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8301.84 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2397.99 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 725 | 717 | 40.445% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024 have been paid in the total amount of $8,301.84 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,584.59 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,397.99 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the reason for default is payment adjustment.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Transmittal (1008) | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 40.44%. Tape shows an undisclosed auto debt opened prior to closing. Revised DTI is 59.16%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. <br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on 0xx/xx/2022, and the 1-year SOL has expired."<br> \* Missing Initial Closing Disclosure (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Transmittal summary is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 73298876 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $793.08 | $8502.25 | 03/19/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1231.43 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 14.815% | 14.815% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 632 | Not Applicable | 42.119% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with xx in the amount of xx with xx<br> There is a junior active mortgage against the subject property in favor of xx in the amount of xx which was recorded on xx/xx/2025.<br> There is a junior civil judgment against the borrower in favor of xx in the amount of xx, which was recorded on xx/xx/2023.<br> There are multiple prior civil judgments against the borrower in favor of different plaintiffs, which were recorded on xx/xx/2015. The amount of judgments is not available on the supporting document.<br> There is a state tax lien in favor of the State of xx in the amount of $50.00, which was recorded on xx/xx/2018. The middle name of the defendant is inconsistent with the borrower.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $8,502.25 on xx/xx/2025.<br> The annual installment of other taxes for 2023 is delinquent in the amount of $793.08, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,231.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,231.43 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails qualified mortgage lending points and fees test due to fees charged $7,384.59 exceeds fees threshold of $5,746.89 over by +$1,637.70.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,994.59<br> Processing Fee paid by Borrower: $1,390.00."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed lender fees test as fees charged of $1,390.00 exceed the fees threshold of $500.00 by +$890.00. Below fees included in this test: Processing Fee paid by Borrower: $1,390.00"<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance is incomplete due to initial CD missing from loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test as Fees charged of $7,384.59 exceed the fees threshold of $5,746.89 by +$1,637.70. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $5,994.59 Processing Fee paid by Borrower: $1,390.00 Loan fails GSE (Freddie Mac public guidelines) QM points and fees test as Fees charged of $7,384.59 exceed the fees threshold of $5,746.89 by +$1,637.70. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $5,994.59 Processing Fee paid by Borrower: $1,390.00"<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is not eligible for LP or DU. Further details not provided."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "AUS at the time of closing is missing from the loan documents. Post-close AUS is available and its risk recommendation is Approve/Ineligible at 38.22% DTI."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from loan documents." |  |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 38815515 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oklahoma | xx | xx | xx | Oklahoma | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2480.00 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1942.48 | 7.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 693 | 716 | 38.296% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and was recorded on xx/xx/2025 in the amount of xx in favor of xx. No active judgments or liens were found. The annual combined taxes for 2024 were paid in the amount of $2,480.00 on xx/xx/2024. No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025 and the first payment date is xx/xx/2025. As per the review of seller's tape data as of xx/xx/2025, the next due date is xx/xx/2025. As per tape, current P&I is $1,942.48 and interest rate is 7.25%. The UPB is xx. | Collections Comments:The current status of the loan is performing. The loan was originated on xx/xx/2025 and the first payment date is xx/xx/2025. As per the review of seller's tape data as of xx/xx/2025, the next due date is xx/xx/2025. As per tape, current P&I is $1,942.48 and interest rate is 7.25%. The UPB is xx. No evidence has been found regarding the foreclosure proceedings. As per PACER report, the borrower has not filed bankruptcy since loan origination. No information has been found related to damage or repairs. As per tape data, the property is owner-occupied. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is not insured as the appraisal report was completed using a purchase contract dated xx/xx/2025 with a sales price of $XX. The purchase contract dated xx/xx/2025 shows a sales price of $XX. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Not Covered | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 52837292 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $5383.14 | 03/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2014.98 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 88.477% | 88.477% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 744 | Not Applicable | 50.050% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Not Applicable | Unavailable | Unavailable | Unavailable | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with Instrument xx in the amount of xx with xx<br> There is a UCC lien found against the subject property in favor of xx successor by merger with xx, which was recorded on xx/xx/2024.<br> The 2nd installment of county tax for 2025 is due in the amount of $1,345.78 on xx/xx/2025.<br> The 1st installment of county tax for 2025 has been paid in the amount of $1,345.79 on xx/xx/2025.<br> The annual utilities/MUD charges for 2025 are due in the amount of $212.40 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,401.38 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,843.14 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the servicing comment dated xx/xx/2023, the reason for default is curtailment of income.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/2024, the borrower has been approved for a trial modification. Further details were not provided.<br> As per the collection comment dated xx/xx/2024, the loan was modified.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the servicing comment dated xx/xx/2024, subject property is owner occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The subject is a conventional fixed-rate mortgage with a P&I of $2,014.98, a rate of interest of 5.875%, and a maturity date of xx/xx/2053. The P&I as per payment history is $1,843.14, and the rate of interest is 5.875%. There is a difference in P&I with respect to the note. The collection comment dated xx/xx/2024 shows that the loan was modified. The modification agreement is missing from the loan file. | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 50.05%. Tape shows bonus income miscalculation. Revised DTI 51.38 %. Further details not provided. Lender defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed state regulations for prohibited fees test.<br> The below fees were included in the test:<br> Digital Closing Fee paid by Borrower: $60.00<br> Title - Filling Fee paid by Borrower: $20.00<br> Title CPL paid by Borrower: $75.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 22221607 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2516.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1859.46 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 700 | 807 | 47.071% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of xx with xx <br> No active judgments or liens have been found.<br> The annual city and county taxes for 2024 were paid in the amount of $2,516.00.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,168.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,859.46 with an interest rate of 7.125%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Transmittal (1008) | xx | 3: Curable |  | \* Closing_Disclosure violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Revised CD dated xx/xx/2024 is missing from the loan documents."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the brokerage/finder fee test due to fees charged of $7,432.00 exceeds fee threshold of $5,520.00 over by +$1,912.00. The following fees were included in the test: Administration Fee paid by Borrower: $1,095.00 Mortgage Broker Fee paid by Seller: $6,337.00"<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Transmittal summary is missing from the loan documents. Post-close transmittal summary is reflecting the revised DTI is available in loan file." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 47.07%. The tape shows income miscalculation. The revised DTI is 51%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 receives pension income. |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 39801482 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2417.27 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $862.43 | 5.990% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 32.432% | 32.432% | Full Documentation | Not Applicable | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 792 | 811 | 39.565% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx with xx <br> There is a prior civil judgment against the borrower in favor of xx for the amount of $6,515.54, which was recorded on xx/xx/2016.<br> The annual combined taxes for 2024 have been paid in the amount of $2,417.27 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,080.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $862.43 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is uninsured, as bonus entitlement is available for loans greater than $144K and the subject loan amount is $XX. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 51568114 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | No | Not Applicable | First |  | $0.00 | $3152.42 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1531.18 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 793 | Not Applicable | 39.210% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with Instrument xx in the amount of xx with xx<br> No active judgments or liens found. <br> The annual county taxes for 2024 have been paid in the amount of $3,026.32 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,110.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,531.18 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO. Tape shows the subject is NOO due to misrepresentation, as BWR listed the subject property for rent after closing. Further details not provided. Elevated for client review." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails QM lending policy points and fees test due to fees charged of xx exceeds fees threshold of $7,143.27 over by +$2,876.20. The below fees were included in the test: Mortgage Broker Fee (Indirect) $6,661.88 Points—Loan Discount Fee paid by Borrower: $3,357.59"<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of xx exceeds fees threshold of $7,143.27 over by +$2,876.20. The below fees were included in the test: Mortgage Broker Fee (Indirect) $6,661.88 Points—Loan Discount Fee paid by Borrower: $3,357.59"<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 39.21%. Tape shows the subject is NOO due to misrepresentation, as BWR listed the subject property for rent after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 95730970 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington D.C. | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1513.27 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 60.966% | 100.966% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 734 | Not Applicable | 48.868% | First | Final policy | Not Applicable | XXXX | 11/22/2024 | $261159.86 | Not Applicable | 6.000% | $1436.94 | 01/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 with the lender xx in the amount of xx, which was recorded on xx/xx/2023.<br> There is one junior mortgage against the subject property in favor of the xx in the amount of xx which was originated on xx/xx/2023 and recorded on xx/xx/2023.<br> The combined annual taxes for the year 2025 are exempt on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,778.87 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,436.94 with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the foreclosure is initiated in 2024. As per the servicing comment dated xx/xx/2024, the foreclosure was canceled due to loan modification. Further details were not provided.<br> No post-close bankruptcy record has been found.<br> The loan was modified on xx/xx/2024.<br> No information has been found regarding damage.<br> As per the servicing comment dated xx/xx/2025, the reason for default is curtailment of income.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2024, the borrower was on forbearance from xx/xx/2024 to xx/xx/2024.<br> Foreclosure Comments:As per the servicing comment dated xx/xx/2024, the foreclosure is initiated in 2024. As per the servicing comment dated xx/xx/2024, the foreclosure was canceled due to loan modification. Further details were not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower and the lender on xx/xx/2024. As per the modified term, the new principal balance is xx The monthly P&I is $1,436.94 with an interest rate of 6.000% beginning on xx/xx/2025 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed Origination Fee Test due to fees charged $2,657.00 exceed fees threshold of $2,524.00 over by +$133.00. The following fees were included in this test: Administration Fee paid by Seller: $1,395.00 Lock Extension Fee paid by Borrower: $1,262.00. Loan failed Discount Fee Test due to fees charged $9,598.00 exceed fees threshold of $2,524.00 over by +$7,074.00. The following fees were included in this test: Administration Fee paid by Seller: $1,395.00 Lock Extension Fee paid by Borrower: $1,262.00 Points - Loan Discount Fee paid by Seller: $6,941.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 48.86%. Tape shows BWR has fluctuating income and the lender did not agree with the investors income calculation. Revised DTI is 67%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL has expired. |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 61093992 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $9778.08 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1570.77 | 9.375% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 50.000% | 50.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 660 | 680 | 48.988% | Second | Short Form Policy | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of xx<br> There is an active prior mortgage against the subject property in favor of xx in the amount of xx which originated on xx/xx/2020 and was recorded on xx/xx/2020 with the instrument xx<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of $4,889.04 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of $4,889.04 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,570.77 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,570.77 with an interest rate of 9.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR1 receives SSI income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is HPML and an appraisal inspection by a certified professional is missing. Subject loan closed with PIW and appraisal is not available. Further details not provided."<br> \* Compliance Testing (Lvl 3) | \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) because an APR calculated at 9.939% exceeds the APR threshold of 9.900% by +0.039%. Subject is a second lien. First lien is not escrowed.<br> Subject loan originated on xx/xx/2024, and the 1-year affirmative defense period is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 50231522 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | xx | xx | Utah | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2516.10 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1316.66 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 77.778% | 77.778% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 710 | 681 | 44.878% | First | Final policy | Not Applicable | Not Applicable | 12/06/2024 | $289058.80 | Not Applicable | 5.000% | $1204.41 | 12/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx with xx<br> There is a UCC lien found against the subject property in favor of xx which was recorded on xx/xx/2022.<br> The annual combined taxes for 2024 were paid in the amount of $2,516.10 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,578.46 (PITI), which was applied on xx/xx/2025. The current P&I is $1,198.57 with an interest rate of 5.00%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comments dated xx/xx/2024, the reason for default is illness of the borrower's family member.<br> The comment dated xx/xx/2024 shows that the subject property is occupied by the owner. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan is modified on xx/xx/2024.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrower xx and the lender, xx with an effective date of xx/xx/2024, and the new modified unpaid principal balance is xx The modified monthly P&I of $1,204.41 with an interest rate of 5.00% starting on xx/xx/2024, which will be changed in 2 steps until the new maturity date of xx/xx/2064. The rate will change in 2 steps, which end with 7.00%. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is non-QM/ATR non-compliant and is seasoned more than 3 years. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 44.87%. Tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. <br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID total of payment disclosed on final CD as xx. Calculated total of payments is xx for an under disclosed amount of -$597.00. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100. The subject loan is refinance case originated on xx/xx/2021, and the 3-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 70651965 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7243.65 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1743.66 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 675 | Not Applicable | 45.261% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were paid in the amount of $4,458.09 on xx/xx/2024.<br> The annual school taxes for 2024 were paid in the amount of $2,785.56 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,787.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,743.66 with an interest rate of 5.99%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2024, the forbearance plan started on xx/xx/2023 and ended on xx/xx/2024.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject approved at 45.26%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 40898815 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7602.72 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2928.11 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 722 | Not Applicable | 40.120% | First | Short Form Policy | Not Applicable | Not Applicable | 12/02/2025 | $343107.56 | Not Applicable | 5.875% | $2096.02 | 01/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 have been paid in the amount of $7,602.72 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,720.73 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,096.02 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The reason for default is unable to be determined.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan was modified on xx/xx/2024.<br> As per the comment dated xx/xx/2024, the subject property had damage due to the hurricane, and the estimated cost of repairs is $4,310.38. There is no evidence of completion of repairs.<br> The occupancy of the subject property is unable to be determined.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower and the lender on xx/xx/2024. As per the modified term, the new principal balance is xx The monthly P&I is $2,096.02 with an interest rate of 5.875% beginning on xx/xx/2025 and a maturity date of xx/xx/2052. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is non-QM/ATR non-compliant and will be seasoned in June 2025. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject was approved at 40.12%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL will expire on 6/XX/22. <br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2022 reflects Appraisal fee at $600.00. CD dated 0xx/xx/2022 reflects Appraisal fee at $615.00.<br> Loan estimate dated xx/xx/2022 reflects Credit Report Fee at $174.00. CD dated 0xx/xx/2022 reflects Credit Report Fee at $183.50.<br> This is a cumulative increase in fee of $24.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $4310.38 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 89315053 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $1791.50 | 4.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 718 | 800 | 45.225% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2017 and recorded on xx/xx/2017 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> Taxes to follow. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,107.94 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,791.50 with an interest rate of 4.000%. The current UPB reflected as per payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the reason for default is unemployment.<br> According to the PACER, the borrower,xx filed bankruptcy under Chapter 13 with the case xx on xx/xx/2018. The BK was discharged on xx/xx/2023 and terminated on xx/xx/2023.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> Unable to determine the occupancy of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx , filed bankruptcy under Chapter 13 with the case xx on xx/xx/2018. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx , and the value of the collateral is xx he unsecured portion is $0.00. The POC was filed by the creditor, xx on xx/xx/2018, with the secured claim amount of xx and the arrearage amount of $1,356.47. The Chapter 13 plan filed on xx/xx/2018 was confirmed on xx/xx/2018. Debtor shall pay the amount of $420.00 for months 1 and 2, followed by the amount of $586.00 per month for the remaining 58 months. Order granted motion for relief from stay filed on xx/xx/2023. There is no comment indicating a cramdown. The BK was discharged on xx/xx/2023 and terminated on xx/xx/2023. | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is non-QM/ATR non-compliant and is seasoned more than 3 years. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject was approved at 45.22%. Tape shows BWR2 was not employed or on leave at the time of closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2017, and the 3-year SOL has expired. <br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 90103154 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $10510.74 | xx | xx | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1610.59 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 748 | Not Applicable | 45.015% | First | Short Form Policy | Not Applicable | Not Applicable | 11/25/2024 | $351627.06 | Not Applicable | 6.000% | $1758.14 | 12/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2017 and was recorded on xx/xx/2018 in the amount of xx with the lender xx<br> There are 2 civil judgments found against the borrower in the total amount of $6,773.81 filed by different plaintiffs & recorded on xx/xx/2024 & xx/xx/2023.<br> There is a state tax lien found against the subject borrower in favor of thexx of Revenue in the amount of $2,781.79, which was recorded on xx/xx/2023.<br> The first installment of county taxes for the year 2024 was paid in the amount of $5,255.37 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,648.34, which was applied for the due date of xx/xx/2025. The current monthly payment is $1,740.15 with an interest rate of 6.00%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan was modified on xx/xx/2024.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2024, the borrower's income was impacted by the Covid-19 pandemic.<br> As per the servicing comment dated xx/xx/2024, the reason for default is loss of income.<br> As per UT dated xx/xx/2025, the foreclosure complaint was filed on xx/xx/2024 with xx, which was recorded on xx/xx/2024. As per the servicing comment dated xx/xx/2024, the foreclosure was closed due to loan modification. <br> No details pertaining to the damage to the subject property have been observed.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:As per UT dated xx/xx/2025, the foreclosure complaint was filed on xx/xx/2024 with case xx which was recorded on xx/xx/2024. As per the servicing comment dated xx/xx/2024, the foreclosure was closed due to loan modification. <br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrowers,xx and xx , and the lender,xx with an effective date of xx/xx/2024, and the new modified unpaid principal balance is xxThe modified monthly payment of $1,758.14 with an interest rate of 6.00% starting on xx/xx/2024, which will be changed in 2 steps until the new maturity date of xx/xx/2064. MOD shows interest only payments for 24 months. The rate will change in 2 steps, which ends with 7.500%. There is no deferred balance and principal forgiven amount. The loan has been modified twice since origination. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is non-QM/ATR non-compliant and is seasoned more than 3 years. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 45.01%. Tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan originated on xx/xx/2017, and the 3-year SOL has expired. <br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 98914713 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $2186.08 | xx | xx | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $839.38 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 30.552% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2003 and recorded on xx/xx/2003 with Instrument xx in the amount of xx with xx<br> There is an active junior mortgage against the subject property in favor of xx the amount of xx, which originated on xx/xx/2003 and was recorded on xx/xx/2003 with instrument xx . This junior mortgage has started the foreclosure.<br> There are 09 water and sewer liens active against the subject property in the total amount of xx. 08 filed City of xx municipal corporation, which was recorded on different dates. <br> The 1st, 2nd, and 3rd annual installments of town taxes for 2024 have been paid in the total amount of $2,263.08 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,053.57 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $839.38 with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx. As per the tape data, there is a deferred amount of $1,678.76. The collection comment shows the 2 payments were deferred in the amount of $1,678.76. | Collections Comments:According to the servicing comments, the current status of the loan is active bankruptcy.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> As per UT dated xx/xx/2025, the foreclosure was initiated on the loan in 2010. The notice of default located at xx was filed on xx/xx/2010 with the case xx he notice of default is located at xx , which was canceled on xx/xx/2012. Further details not provided.<br> According to the PACER, the borrowerxx , filed bankruptcy under Chapter 13 with the xx on xx/xx/2025. The bankruptcy is still active.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:As per UT dated xx/xx/2025, the foreclosure was initiated on the loan in 2010. The notice of default located at xx was filed on xx/xx/2010 with the case xx. The notice of default is located at xx which was canceled on xx/xx/2012. Further details not provided.<br> Bankruptcy Comments:According to the PACER, the borrower xx, filed bankruptcy under Chapter 13 with the case xx on xx/xx/2025. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx and the value of the collateral is xx . The unsecured portion is $0.00. The Chapter 13 plan was filed on xx/xx/2025. The borrower shall pay a monthly mortgage payment of $1,830.00 per month for 60 months to the trustee under the Chapter 13 plan. The plan is not confirmed yet. There is no comment indicating a cramdown. The bankruptcy is still active. | Not Applicable | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows LNA with copy of note. Further details are not provided. LNA was not found in the loan file. The copy of note is available xx | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is missing from the loan documents. A Zillow search shows an estimated value of $XXXX. Current UPB: $63K."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Finance charge disclosed on Final TIL as xx. The calculated finance charge is xx for an undisclosed amount of $282.20. The reason for the finance charge under disclosure is unknown as the fee itemization is missing."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT violating predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan document."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 30936735 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Kentucky | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $219.87 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $881.16 | 11.360% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with xx in the amount of xx with xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $219.87 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $846.74, which was applied for the due date of xx/xx/2025. The current P&I is $846.74 with an interest rate of 10.759%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is bankruptcy current.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> According to the PACER, the borrower, xx filed bankruptcy under Chapter 13 with the xx on xx/xx/2022. The last bankruptcy was filed on xx/xx/2023, and the bankruptcy is still active.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx filed bankruptcy under Chapter 13 with the casexx on xx/xx/2022. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $0.00. The POC was filed by the creditor xx on xx/xx/2022, with the secured claim amount of xx and the arrearage amount of xx. The approved chapter 13 xx plan was confirmed on xx/xx/2022. Under the Chapter 13 plan, the borrower shall pay to the trustee $847.00 per month. The bankruptcy is still active. | Subject is a conventional fixed-rate mortgage with a P&I of $881.16, a rate of interest of 11.36%, and a maturity date of xx/xx/2037. The P&I, as per payment history, is $846.74, and the rate of interest is 10.759%. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan has been modified. The modification agreement is missing from the loan file. | HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Origination Appraisal<br> Prepayment Penalty Rider<br> Right of Rescission | xx | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The property is located in a state that has unlimited assignee liability for high cost loans and HUD-1/FCD is missing to test the compliance." | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the loan file shows HUD-1 is missing."<br> \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1, along with itemization of fees and the estimated HUD-1, is missing from the loan documents."<br> \* Lost Note Affidavit (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The lost note affidavit available in the file located at xx Loan xx shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx Loan xx | \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal is missing from the loan documents. Redfin search shows an estimated value at $XXXX. Current UPB $80K."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The prepayment rider is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 18306735 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4363.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3010.04 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 761 | 775 | 49.948% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 in favor of xx in the amount of xx which was recorded on xx/xx/2022.<br> There are two prior credit card judgments found against the subject borrower in favor of xx in the amount of $2,063.33, which were recorded on xx/xx/2018 & xx/xx/2020.<br> The first and second installments of county taxes for the year of 2024 were paid in the total amount of $4,230.94 on xx/xx/2024 and xx/xx/2024.<br> The first and second installments of county taxes for the year of 2025 are due in the total amount of $4,363.00 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,131.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,010.04 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx.<br> As per the collection comment dated xx/xx/2025, the payment made in the month of March 2025 is paid by the BWR. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2025, the reason for default is curtailment of income.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No information has been found related to damage or repairs.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Application<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape defect is recourse cannot be obtained from Fannie Mae. The borrower was 30 days late more than once during the renovation. Repurchase from xx due to the borrower becoming at least four full monthly payments delinquent. The borrower is now current.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx." | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "BWR1 employment and income information is missing from the loan documents."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.94%. The Lender used rental income from a family member and miscalculated OT. Revised DTI 54.42%. No further details provided. Lender defect. The subject loan originated on 9/10/22, and the 3-year SOL is active. <br> Exception downgraded as SOL has expired."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.94%, as the borrower income is xx and total expenses are in the amount of xx and the loan was underwritten by xx and its recommendation is Approve/Eligible with a DTI of 49.94%." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 99136714 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1438.26 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2949.89 | 2.875% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | 88.323% | 88.323% | Full Documentation | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 655 | Not Applicable | 50.345% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024 is paid in the amount of $1,438.26 on xx/xx/2025.<br> The second installment of county taxes for 2024 is due in the amount of $1,438.26 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,440.11 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,949.89 with an interest rate of 2.875%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan does not meet the seasoning period requirement as the loan modification was done prior to the limit of 210 days. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2021 reflect Points - Loan Discount Fee at xx. Final CD dated xx/xx/2022 reflects Points - Loan Discount Fee at xx. This is an increase in fee of +$60.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx/xx/2022, and the 3-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 50.35% as the borrower's income is $6,787.08 and total expenses are in the amount of $3,416.98 and the loan was underwritten by DU Locator xx - Closing Loan Packagexx and its recommendation is Approve/Eligible with a DTI of 50.35%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 92304988 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $171.55 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | Yes | xx | Not Applicable | $1058.16 | 4.250% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 592 | Not Applicable | 43.047% | First | Final policy | Not Applicable | Not Applicable | 07/31/2024 | $228365.94 | Not Applicable | 5.250% | $1261.05 | 09/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $171.55 on xx/xx/2025. <br> The water/sewer charges were delinquent in the amount of $136.86 with the good-through date of xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,467.33 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,261.05 with an interest rate of 5.250%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the RFD was death of a family member. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> According to the PACER, BWR xx filed the bankruptcy under Chapter 7 on xx/xx/2023 with case xx he BK was discharged on xx/xx/2023 and terminated on xx/xx/2024.<br> The loan was modified on xx/xx/2024.<br> As per the tape, the subject property is owner-occupied. <br> BWR receives VA benefits.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, BWR xx filed the bankruptcy under Chapter 7 on xx/xx/2023 with xx . As per the voluntary petition, the value of collateral was xx , and the amount of claim was xx. The unsecured portion is $0.00. The BK was discharged on xx/xx/2023 and terminated on xx/xx/2024. | The modification agreement was made between the borrower and the lender on xx/xx/2024. As per the modified term, the new principal balance is $228,365.94. The monthly P&I is $1,261.05 with an interest rate of 5.250% beginning on xx/xx/2024 and a maturity date of xx/xx/2054. There is no deferred balance and principal forgiven amount. | Initial Escrow Acct Disclosure<br> Note | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan does not meet the seasoning period requirement as the loan modification was done prior to the limit of 210 days. Further details not provided."<br> \* Note is missing or unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The original note along with the lost note affidavit is missing from the loan file. The loan was modified on xx/xx/2024." | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 43.04% as the borrower's income is $4,893.92 and total expenses are in the amount of $2,106.67 and the loan was underwritten by xx and its recommendation is Refer/Eligible with a DTI of 43.05%. 3-year QM-ATR SOL has expired." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 15443640 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1707.10 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1544.98 | 3.250% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | 78.889% | 78.889% | Full Documentation | Yes | xx | xx | 25.000% | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 639 | Not Applicable | 30.099% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and was recorded on xx/xx/2021 in the amount of xx in favor of xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024 was paid in the amount of $853.55 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the amount of $853.55 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the review of the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,919.15, which was applied to the due date of xx/xx/2025. The current P&I is $1,544.98 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the review of the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the RFD. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the subject property was occupied by the owner. CCs do not show any damage.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial LE<br> Missing or error on the Rate Lock<br> Note | xx | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The note is missing from the loan file. The lost note affidavit is not available in the loan file. The loan has not been modified since origination." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows that the loan did not meet seasoning requirements. Loan mod done before minimum 210 days of the first loan. The loan has not been modified since origination." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete due to initial LE is missing from the loan documents."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling organizations disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Intent to proceed is missing from loan documents."<br> \* Missing Initial LE (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial loan estimate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The settlement services provider list is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 52310334 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7220.69 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1137.34 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 765 | Not Applicable | 19.895% | First | Final policy | Not Applicable | Not Applicable | 08/01/2023 | $257569.78 | Not Applicable | 3.125% | $940.71 | 09/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 in the amount of xx with xx the subject property in favor of xx in the amount of xx which originated on xx/xx/2022 and was recorded on xx/xx/2022.<br> There are seven civil judgments found against the borrower in the total amount of xx filed by different plaintiffs & recorded on different dates.<br> The annual county taxes for 2024 were paid in the amount of $6,931.86 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,080.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $940.71 with an interest rate of 3.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> As per the tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2023.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx and the lender,xx on xx/xx/2023. As per the modified term, the new principal balance isxx The monthly P&I is $940.71 with an interest rate of 3.125% beginning on xx/xx/2023 and a maturity date of xx/xx/2063. There is no deferred balance and principal forgiven amount. The loan has been modified for the first time since origination. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 19.89%. Tape shows the lender did not obtain the 2 months of business bank statements and documentation of omitting child support debt with an outstanding balance of $90K. Further details not provided. Lender defect. The subject loan originated on xx/xx/2020 and the 3-year SOL has expired. Missing on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 30552383 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $7762.22 | 04/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $2877.60 | $5031.28 | 4.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 65.000% | 65.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 733 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx the amount of xx with xx<br> There is an active prior mortgage against the subject property that originated on xx/xx/2021 and was recorded on xx/xx/2021 in the amount of xx with xx The 1st and 2nd installments of county taxes for 2024-2025 have been paid in the amount of $8,150.33.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,877.60 (PITI), which was applied for the due date of xx/xx/2025. The current monthly payment is $2,877.60 with an interest rate of 4.250%. The current UPB reflected as per the payment history is xx. The loan is interest-only for 120 months. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the current occupancy. <br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject is approved as a DSCR loan and tape shows investor did not honor terms of lock. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 16683127 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7023.12 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $847.88 | $1543.91 | 3.990% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | 75.000% | 75.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 786 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with book/page xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2025 were paid in the amount of $7,023.12 on xx/xx/2024.<br> The water charges have been delinquent in the amount of $299.59, which are good through xx/xx/2025. | The loan is interest-only for 120 months. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,933.15, which was applied for the due date of xx/xx/2025. The current monthly interest payment is $847.88 with an interest rate of 3.99%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> The loan is interest-only for 120 months. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Origination Appraisal | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show BWR is an LLC and would not execute a business purpose loan agreement. Further details not provided. Subject approved as DCSR and is 0X30 last 25 months." | \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan documents. A Zillow search shows an estimated value of $XXXX. Current UPB $255K." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 40449299 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2703.99 | xx | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1516.96 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 86.643% | 86.643% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 679 | 694 | 44.690% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024 were paid in the amount of $2,703.99.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,192.05 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,516.96 with an interest rate of 6.500%. The current UPB is xx. As per the comment dated xx/xx/2023, the due dates were advanced from xx/xx/2023 to xx/xx/2023 due to deferment. | Collections Comments:The current status of the loan is foreclosure. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the RFD was excessive obligations.<br> As per the comment dated xx/xx/2024, the foreclosure was initiated on xx/xx/2024, and the comment dated xx/xx/2025 shows that FC was initiated due to loan fraud. According to the comment dated xx/xx/2025, the complaint was filed on xx/xx/2025. Further details were not provided. <br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR2 has 30.66 years on the xx at xx<br> Foreclosure Comments:As per the collection comment dated xx/xx/2024, the foreclosure was initiated on xx/xx/2024 and the comment dated xx/xx/2025 shows that FC was initiated due to loan fraud. According to the comment dated xx/xx/2025, the complaint was filed on xx/xx/2025. Further details are not provided.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The document in the loan file located at xx shows the subject FC action was initiated on the loan due to false representation by the BWR regarding income, assets and liabilities during loan application. As per the comment dated xx/xx/2024, the foreclosure was initiated on xx/xx/2024 and the comment dated xx/xx/2025 shows that FC was initiated due to loan fraud. According to the comment dated xx/xx/2025, the complaint was filed on xx/xx/2025. Further details are not provided." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 44.78%. Tape shows BWR2 had undisclosed debt, which was not on the credit report. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. <br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2022 does not reflect Points - Loan Discount Fee. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $2,400.00.<br> Loan estimate dated xx/xx/2022 does not reflect Verification Fee. CD dated xx/xx/2022 reflects Verification Fee at $48.95.<br> This is a cumulative increase in fee of $2,448.95 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.78%, as the borrower's income is xx, and total expenses are in the amount of xx. The loan was underwritten by xx and its recommendation is Approve/Eligible with a DTI of 44.78%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DONE |
| 91991097 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $4476.31 | $4169.91 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1971.32 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 68.500% | 68.500% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 687 | Not Applicable | 47.335% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of $xx with xx.<br> There is anxx lien found against the borrower in favor of the xx in the amount of $xx, which was recorded on xx/xx/2024.<br> The 1st and 2nd installments of county taxes for 2025 are due in the total amount of $xx on xx/xx/2025 and xx/xx/2025.<br> The annual county taxes for 2024 have been delinquent in the amount of $xx, which is payable on xx/xx/2025.<br> The 1st and 2nd installments of county taxes for 2023 were paid in the total amount of $xxon xx/xx/2023 and xx/xx/2023. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,980.73 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,971.32 with an interest rate of 6.00%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the collection comment dated xx/xx/2024, the RFD was curtailment of income.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the collection comment dated xx/xx/2024, the borrower accepted the FB plan that started on xx/xx/2024 and ended on xx/xx/2024. Further details are not provided.<br> As per the collection comment dated xx/xx/2024, the borrower was approved for the trial loan modification, which started on xx/xx/2024 with a monthly payment of $1,859.50. The borrower declined the TPP.<br> As per the collection comment dated xx/xx/2024, the cease & desist and calls to the borrower were updated.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE QM points and fees test due to fees charged $xx exceed fees threshold of $xx over by +$xx. The following fees were included in the test:xx fee paid by Borrower: $xx Points - Loan Discount Fee paid by Borrower: $xx Processing Fee paid by Borrower: $xx Underwriting Fee paid by Borrower: $xx. Loan fails xx Policy points and fees test due to fees charged xx exceed fees threshold of $xx over by +$xx. The following fees were included in the test: xx Fee paid by Borrower: $xx Points - Loan Discount Fee paid by Borrower: $xx Processing Fee paid by Borrower: $xx Underwriting Fee paid by Borrower: $xx."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the seller's tape, the monthly payment status was delinquent, and the next due date is xx/xx/2025. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 47.33%. Tape shows undisclosed debt opened prior to closing and the BWR provided an unacceptable rental agreement on their departing residence. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the xx-year SOL is active. <br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock provided expired on xx/xx/2023 and the loan closed on xx/xx/2023. No lock extension found." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 95645654 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2519.91 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1650.40 | 6.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 96.662% | 96.662% | Full Documentation | Not Applicable | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 619 | Not Applicable | 40.890% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument #xx in the amount of $xx with xx Corporation.<br> No active judgments or liens have been found.<br> The 1st, 2nd, 3rd, and 4th installments of county taxes for 2024 have been paid in the amount of $2,519.91.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower has been delinquent for 1 month with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,110.26 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,650.40 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower has been delinquent for 1 month with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine RFD.<br> As per the tape, the subject property is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found..<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show BWR was EPD and made promises to catch up. The current UPB reflected as per the payment history is xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 40.89%. Tape shows AUS approval lost due to the gift of equity from a family sale being reduced from $xK to $xK. The final CD reflects a gift of equity of $x, from which $x was used toward the down payment and $x was used to pay off debts. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025 and the x-year SOL is active. . Appraised value $481K. Sales price due to family estate sale $281K." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 41954300 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $223.58 | 05/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1212.69 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 78.261% | 78.261% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 692 | 747 | 38.710% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,212.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,212.69 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and appraisal report show that the comps selected are not similar, as the location reported was inaccurate, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #2 with a sales price of $xxK, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xxK." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 46654775 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $13692.82 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4510.28 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 708 | Not Applicable | 49.864% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx.<br> There are two prior state tax liens against the borrower in favor of the xx in the amount of $xx, which were recorded on xx/xx/2019 and xx/xx/2023.<br> The annual installment of county taxes for 2024 has been paid in the amount of $6,846.41 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,510.28, which was applied for the due date of xx/xx/2025. The current P&I is $4,510.28 with an interest rate of 7.500%. The current UPB is xx.<br>| Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.86%. Tape and review shows lender excluded liabilities on the credit bureau. Revised DTI is 52.53%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. <br> \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD, dated xx/xx/2024, reflects cash to in the amount of $xx.<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test due to an APR calculated at 8.573% exceeds the APR threshold of 8.460% by +0.113%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated at 8.520%, exceeding the APR threshold of 8.460% by +0.060%. The subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 91459689 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3346.14 | 05/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2299.94 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.324% | 94.324% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 743 | Not Applicable | 33.282% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx. No active judgments or liens have been found. The annual installment of county taxes for 2024 has been paid in the amount of $xx on xx/xx/2024. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,774.34 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,299.94 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> The appraisal report reflects the condition of the subject property as C4. The addendum attached to the appraisal located at xx shows the significant repairs to the subject property. CCs do not show damage.<br> As per the tape data, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject property is ineligible. The appraisal report is as is. The comment and photo addendum show interior and exterior chipping paint, damaged floor coverings and ceilings, and the exterior door. The estimated cost to repair is xx. 1004D is missing from the loan document, and the final CD does not reflect the escrow holdback. Zillow search shows an estimated value of $XX. Current UPB $323K." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $20000.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 64878014 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $8372.08 | xx | Unavailable | No | Bankruptcy | Chapter 13 | xx | $0.00 | No | xx | Not Applicable | $2186.53 | 7.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 96.662% | 96.662% | Full Documentation | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 588 | 602 | 47.747% | First | Short Form Policy | Not Applicable | Not Applicable | 07/24/2015 | $322267.37 | $136736.94 | 2.000% | $581.83 | 09/01/2015 | Financial Hardship | Review of updated title report dated xx/xx/2017 shows the subject mortgage originated dated on xx/xx/2008 was with xx.<br> The chain of assignment of mortgage is complete since subject mortgage is currently with xx, as Legal title Trustee record dated on x/xx/2014.<br> There are some active judgments or liens found pending<br> One is Civil Judgment in the amount of $3936.70 open with xx, LLC recorded on xx/xx/2011.<br> Second is Civil Judgment in the amount of $2186.22 open with xx, LLC recorded on xx/xx/2011.<br> Third is Civil Judgment in the amount of $1603.91 open with xx, N recorded on xx/xx/2011.<br> Fourth is Civil Judgment in the amount of $952.07 open with xx recorded on xx/xx/2011.<br> Fifth is Civil Judgment in the amount of $722.72 open with xx recorded on xx/xx/2011.<br> Sixth is junior mortgage in the amount of $23689.54 open with S xx recorded on xx/xx/2010.<br> 2017 combined annual taxes were paid off in the amount of $xx on xx/xx/2017.<br> No prior years delinquent taxes found. <br> Estimated taxes for the year 2018 will be due in the amount of $xx.<br>| As of xx/xx/2017 shows the payments are delinquent for more than 120+ days and next due for xx/xx/2016. The last payment was received on xx/xx/2017 for due date xx/xx/2015 in the amount of $561.83 towards PITI. The UPB reflected in payment history is xx however the stated rate is 2%. | Collections Comments:The loan is currently in active bankruptcy and next due for xx/xx/2016.<br> As of xx/xx/2017 shows the payments are delinquent for more than 120+ days and next due for xx/xx/2016. The last payment was received on xx/xx/2017 for due date xx/xx/2015 in the amount of xx towards PITI. The UPB reflected in payment history is $xx.<br> The Servicing Comments shows the foreclosure was initiated in loan by filing complaint but the FC was suspended because the lender offered the payment plan because of the the borrower stated that he does not get paid untill 16 th months due to unemployeement,<br> The FC process currently went on hold due to filing bankruptcy. No contested matter found in FC.<br> No further information found in collection comments about FC.<br> The borrower filed bankruptcy dated on xx/xx/2016 with chapter xx of case no xx and the plan was confirmed on xx/xx/xx. As per the chapter-xx plan debtor promised to pay $xx for a period of 54 months. The POC is filed on xx/xx/xx which shows the secured claim amount $xx and the amount of arrearage is $xx.<br> As per voluntary petition the value of collateral is $xx.however, unsecured portion is xx.<br> As per collection comments the subject property is occupied by owner with good condition.<br> There is no comment found regarding damaga and repairs.<br> Foreclosure Comments:The Servicing Comments shows the foreclosure was initiated in loan by filing complaint but the FC was suspended because the lender offered the payment plan because of the the borrower stated that he does not get paid untill 16 th months due to unemployeement,<br> The FC process currently went on hold due to filing bankruptcy. No contested matter found in FC.<br> No further information found in collection comments about FC.<br> Bankruptcy Comments: The borrower filed bankruptcy dated on xx/xx/2016 with chapter xx of case no#xx and the plan was confirmed on xx/xx/2017. As per the chapter-xx plan debtor promised to pay $506.00 for a period of 54 months. The POC is filed on xx/xx/2017 which shows the secured claim amount $xx and the amount of arrearage is $xx<br> As per voluntary petition the value of collateral is 0 however, unsecured portion is xx. | The loan was modified on the effective date of xx/xx/2015 with the new principal balance of $xx with step rate started at 2% and ending at 4.040%. The borrower was promised to pay monthly P&I in the amount of $561.83 biginning from xx/xx/2015 with the maturity date for xx/xx/2055. The deferred balance is $xx and the interest bearing amount is $xx. | Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase risk indicator shows moderate This loan failed xxx."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the xx.<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)<br> discount points which may be labeled as an origination fee.<br> A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following<br> fees:<br> (1) a credit report fee;<br> (2) appraisal fee;<br> (3) application fee;<br> (4) commitment fee;<br> (5) warehouse fee;<br> (6) discount points;<br> (7) lock-in fee;"<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The required MI certificate is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 40520368 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $14280.00 | xx | xx | No | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $1500.19 | 3.850% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 62.745% | 62.745% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Not Applicable | Not Applicable | Not Applicable | 728 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 01/23/2018 | $452497.14 | $35898.38 | 2.875% | $1461.50 | 03/01/2018 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2003 and recorded on xx/xx/2003 with instrument # xx in the amount of $xx with xx. <br> There are 4 judgments against the borrower in the total amount of $xx which were recorded with different plaintiffs and recorded on different dates.<br> There are 3 judgments in the amount of total amount of $xx which were recorded on different dates. The middle name mentioned on the judgments is inconsistent with the borrower. <br> The first and second installments of town taxes for 2025 have been paid in the amount of $xx on xx/xx/2025 and xx/xx/2025.<br> No prior year delinquent taxes have been found.  | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,993.82 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,461.50 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx and deferred balance is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the seller's tape, the property is owner occupied. <br> The loan was modified on xx/xx/2018.<br> As per the updated title report dated xx/xx/2025. The lis pendency located at xx the complaint was filed on xx/xx/2013 with xx. There is a discharge of lis pendency located at xx on xx/xx/2018. As per the lis pendency located at xx the complaint was filed on xx/xx/2019 with xx. There is a discharge of lis pendency located at xx on xx/xx/2023.<br> According to the PACER, the borrowe xx filed bankruptcy under Chapter xx with the xx on xx/xx/2016. The debtor was dismissed on xx/xx/2016 and the case was discharged on xx/xx/2016.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:As per the updated title report dated xx/xx/2025, there is a lis pendency located at xx the complaint was filed on xx/xx/2013 with xx. The discharge of lis pendency located at xx was recorded on xx/xx/2018. As per the lis pendency located at xx the complaint was filed on xx/xx/2019 with xx. The discharge of lis pendency located at "xx was recorded on xx/xx/2023.<br> Bankruptcy Comments:According to the PACER, the borrower xx filed bankruptcy under Chapter xx with the case xx on xx/xx/2016. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is $0.00. The unsecured portion is $xx. The debtor was dismissed on xx/xx/2016 and the case was discharged on xx/xx/2016. | The modification agreement was made between the borrower xx and the lender S xx., on xx/xx/2018. As per the modified term, the new principal balance is $xx. There is a deferred balance in the amount of $xx. The interest bearing amount is $xx. The monthly P&I is $1,461.50 with an interest rate of 2.875%, beginning on xx/xx/2018 and a maturity date of xx/xx/2058. | Prepayment Penalty Rider | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per tape data, there is no issue or defect satisfied. Further details not provided." | \* Prepayment Rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The prepayment rider is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 30226207 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $29578.60 | 06/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $10006.37 | 7.990% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 69.114% | 69.114% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | Yes | 777 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with Instrument # xx in the amount of xx with xx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 have been paid in the amount of $xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx, and the interest rate is 9.625. The current UPB reflected as per payment history is $xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx<br> Unable to determine the reason for default.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Subject loan closed as a no-ratio loan.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Required Disclosures<br> Right of Rescission | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2022 reflects points—loan discount fee at $xx. CD dated xx/xx/2023 reflects Points—Loan Discount Fee at $xx. This is an increase in fee of xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx/xx/2023."<br> \* Homeowner's Counseling disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is xx- no ratio loan. Further details not provided."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home loan toolkit is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Right of Rescission is missing from the loan file." |  |  | Moderate | Pass | Pass | No Result | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 84553886 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3556.34 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1009.49 | 2.515% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 92.722% | 92.722% | Full Documentation | Not Applicable | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | Unavailable | Not Applicable | 14.255% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument #xx, in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 have been paid in the amount of $xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,426.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,009.49 with an interest rate of 2.515%. The current UPB reflected as per the payment history is $xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx<br> Unable to determine the reason for the default.<br> Unable to determine owner occupancy.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2024, the subject property roof was damaged due to the xx. The date of loss is xx/xx/2024, and the borrower filed an insurance claim for a loss. As per collection comment dated xx/xx/2025, BWR received claim check in the amount of $xx. No comments have been found regarding repair completion. Subsequent comments do not show damage.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the issue as a xx, and the SOL has expired. Infinity compliance test results show the loan has failed the xx | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed reimbursement amount xx<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges in total cannot increase more than 10% tolerance test. The LE dated xx/xx/2021 reflects the sum of Section C fees and recording fees at $xx. The CD dated xx/xx/2021 reflects the sum of Section C and the recording fee at at0.00. This is a cumulative increase of $xx for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents. <br>Loan failed charges in total cannot increase more than 10% tolerance test. The LE dated xx/xx/2021 reflects the sum of Section C fees and recording fees at $xx. CD dated xx/xx/2021 reflects the sum of Section C and the recording fee at $xx. This is a cumulative increase of +$xx for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents.<br>Lender fees test fails. Loan data is $7.63, and comparison data is $0.00. The variance is +$140.00."<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Credit is missing from the loan file." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $12748.06 | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 2336866 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $0.00 | xx | xx | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2886.03 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 77.667% | 77.667% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 12/01/2021 | $388054.18 | $454.18 | 3.000% | $1387.55 | 12/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with instrument #xx in the amount of xx with xx<br> There are 2 state tax liens against the borrower in favor of the xx, which were recorded on xx/xx/2023 in the total amount of $4,623.22.<br> The taxes are to follow. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,572.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,387.55 with an interest rate of 3.00%. The current UPB reflected as per the tape is xx, and the deferred balance is $xx<br>| Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is xx, and the deferred balance is $xx<br> As per tape data, the loan was modified on xx/xx/2022.<br> As per tape data, the subject property is owner-occupied.<br> The foreclosure was initiated on the loan in xx. The complaint was filed on xx/xx/2011 with case xx - located at and the foreclosure was discontinued on xx/xx/2012.<br> Unable to determine the reason for default.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:The foreclosure was initiated on the loan in 2011. The complaint was filed on xx/xx/2011 with case located at 2, and the foreclosure was discontinued on xx/xx/2012. Further details not provided.<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made on xx/xx/2021 between the borrower " and the lender . The borrower promises to make a monthly payment of $1,387.55 with the rate of interest 3.00%, beginning from xx/xx/2021 till the maturity date of xx/xx/2061. The new principle balance stated in the modification is in the amount of $xx. The lender deferred the principal balance in the amount of $xx. The interest-bearing amount is $xx. | Missing or error on the Rate Lock<br> Prepayment Penalty Rider | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no issue, and the defect is satisfied. Further details not found." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The prepayment rider is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 64908005 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1926.72 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $615.88 | 4.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 66.735% | 66.735% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 586 | Not Applicable | 21.433% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2016 and recorded on xx/xx/2016 with instrument xx in the amount of $xx with xx, N.A.<br> No active judgments or liens found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,413.95 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $615.88 and interest rate is 4.500%. The current UPB is xx and deferred balance is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape data, the loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property is xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a P&I of $615.88, a rate of interest of 4.50000%, and a maturity date of xx/xx/2046. The P&I as per payment history is $615.88, and the rate of interest is unable to determine. As per the seller's tape data, the loan has been modified on xx/xx/2021. The modification agreement is missing from the loan file. | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure<br> Missing DU/GUS/AUS<br> Missing or error on the Rate Lock<br> Right of Rescission<br> Transmittal (1008) | xx | 2: Acceptable with Warnings |  |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan closed without appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value at xx Current UPB is xx."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ATR could not be determined as 1008, AUS, and loan approval are missing from the loan documents. Tape shows potential ATR issue. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2016, and the 3-year SOL has expired. <br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the TRID tolerance test due to a decrease in lender credit on the closing disclosure dated xx/xx/2016. The final CD dated xx/xx/2016 reflects the lender at $1,542.77. The initial LE dated xx/xx/2016 reflects Lender Credit at +$1,543.00; this is a decrease of +$0.23 for a fee that has a 0% tolerance."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan documents."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "AUS report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Note data is missing or inaccurate (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Note date is xx/xx/2016, different from the mortgage, final CD, and final application on xx/xx/2016."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final transmittal summary is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 15825453 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1809.15 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $596.88 | 4.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | No | Not Applicable | Unavailable | Unavailable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 749 | 670 | 37.660% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2019 and recorded on xx/xx/2019 with instrument xx in the amount of xx with xx<br> No active judgments or liens found.<br> The annual installment of xx taxes for 2024 has been paid in the amount of $1,736.78 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1177.19(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $596.88 with an interest rate of 4.500%. The current UPB is $x x | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property is xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 37.66%. The tape shows the lender did not provide verification of the SE business 120 days prior to closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/2019, and the 3-year SOL has expired. <br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2019 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2019 reflects Points - Loan Discount Fee at $294.50. Initial LE dated xx/xx/2019 does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/2019 reflects Appraisal Re-Inspection Fee at $145.00. This is a cumulative increase in fee of $439.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is axxase, originated on xx/xx/2019 and the 1-year SOL is active."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the h xx mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.650% exceeds APR threshold of 5.150% over by +0.500%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed the Qualified Mortgage Safe Harbor threshold test due to APR calculated at 5.650% exceeds APR threshold of 5.150% over by +0.500%. Subject loan is escrowed."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at xx the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at xx state that the manufactured home with serial xx and xx has been affixed to the permanent foundation." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 72304677 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5386.38 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 71.000% | 71.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 784 | Not Applicable | 62.856% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2024 with instrumentxx8 in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual installment of xx taxes for 2025 has been paid in the amount of $8.06 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,303.23 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,386.23 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan closed with Approve/Ineligible DU findings at x DTI. The Lender miscalculated income. Lender defect. Revised DTI 58.69%. Subject loan originated xx/xx/2023 and the 3-year SOL is active.<br> \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. xx compliance report shows the loan failed charges that cannot increase the 0% tolerance test."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the late fees test, as the fee charged of 5.000% exceeds the fee threshold of 2.000% over by +3.000%."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged of $xx exceed the fee threshold of $xx over by +$4,874.69. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: xx Processing Fee paid by Borrower: $1,458.00.<br>The loan failed the qualified mortgage lending policy points and fees test due to fees charged of xx exceed the fees threshold of xx over by +$4,874.69. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: xx Processing Fee paid by Borrower: $1,458.00."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing in loan documents." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed charges that cannot increase 0% tolerance test. The initial LE dated xx/xx/2023 does not reflect points - loan discount fee. The final CD dated xx/xx/2023 reflects points - loan discount fee at xx. This is an increase in fees of xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a xx case, originated on xx/xx/2023, and the 1-year SOL is expired." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 60081522 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2447.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $765.46 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 778 | 793 | 45.468% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument x in the amount of xx with xx<br> No active judgments or liens have been found.<br> The 1st annual installment of xx taxes for xx have been paid in the amount of $1,223.50 on xx/xx/2025.<br> The 2nd annual installment of xx taxes for xx is due in the amount of $1,223.50 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $983.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $765.46 with an interest rate of 2.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial 1003_Application | xx | 2: Acceptable with Warnings |  |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. <br> \* Compliance Testing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows a TRID exception with an expired SOL. Further details not provided. Infinity compliance report shows the loan failed the TRID delivery and timing test."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the compliance delivery and timing test for the CD dated xx/xx/2021. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2021, which is after the consummation date of xx/xx/2021."<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial 1003 signed by the loan originator is missing from the loan files."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.46%, as the borrower income is xx and total expenses are in the amount of xx and the loan was under written by DU xx and its recommendation is "Approve/Eligible" with a DTI of 45.46%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 43561624 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5299.80 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $987.50 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2012 and recorded on xx/xx/2013 with instrument xx in the amount of xx with xx<br> No active judgments or liens found.<br> The 1st installment of xx taxes for 2025 has been paid in the amount of $1,329.33 on xx/xx/2025.<br> The 2nd installment of xx taxes for 2025 has been paid in the amount of $1,329.33 on xx/xx/2025.<br> The 3rd installment ofxx taxes for 2025 is due in the amount of $1,320.57 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,491.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $987.50 with an interest rate of 3.875%. The current UPB is $xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Final Truth in Lending Discl.<br> Good Faith Estimate<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The property is located in a state xx s, and HUD-1/FCD is missing to test the compliance." | \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1, along with itemization of fees and estimated HUD-1, is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of loan file show missing HUD-1 and subject property is in x . Further details not provided." | \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final TIL is missing from the loan documents."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final GFE is missing from the loan documents."<br> \* Initial Good Faith Estimate is Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial GFE is missing from the loan documents."<br> \* Initial Truth in Lending Disclosure is Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is missing from the loan documents. <br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 61933046 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Montana | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8757.05 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5036.38 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 705 | Not Applicable | 28.877% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx with xx.<br> No active judgments or liens have been found.<br> The first and second installments of xx taxes for 2024 have been paid in the total amount of $8,757.05 on the different dates.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,616.84 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,036.38 with an interest rate of 3.750%. The current UPB reflected as per the payment history isxx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject was approved at 21.04%. Tape shows lender did not obtain VOE 10 business days prior to closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired.<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The right of rescission is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 87541294 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3166.41 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 734 | 725 | 29.642% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrumentxx in the amount of xx with xx.<br> No active judgments or liens have been found.<br> The annual installment of x taxes for 1st installment has been paid in the amount of $5,291.17 on xx/xx/2024.<br> The annual installment of x taxes for 2nd installment has been paid in the amount of $5,291.17 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,135.81(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,166.41 with an interest rate of 2.990%. The current UPB reflected as per the payment history isxx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx <br> Unable to determine the reason for default.<br> The subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No modification activity has been found.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Required Disclosures | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows converted E-Note. Further details not provided." | \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Settlement services provider list is missing from loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 8660357 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7563.17 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2083.26 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 741 | 788 | 44.674% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx withxx<br> No active judgments or liens have been found.<br> The annual installment ofxx taxes for 2025 has been paid in the amount of $7,563.17 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,364.84 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,083.26 with an interest rate of 3.750%. The current UPB reflected as per the payment history isxx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found..<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. Tape shows property is NOO as BWR owns other property. Further details were not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 44.67%. Tape shows subject is NOO due to misrepresentation causing lender to xx. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR1 has 4 months on the job as an associate withxx. Previously, BWR1 was an intern for 3 months atxx. |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 11101253 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 06/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3489.32 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | Yes | 789 | 808 | 47.694% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx with xx <br> No active judgments or liens have been found. <br> The annual installment of xx taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,642.41(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,489.32 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. Due dates are advanced from 01/01/24 to xx/xx/2024. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower has been current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> Unable to determine occupancy of the property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject is a xx. The subject is a unit in the Villas of Clearwater Beach Condo project, and the review of the appraisal report shows the project building is a condotel on the beach. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 69187773 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7030.02 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1728.16 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 768 | 771 | 28.106% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 with instrument xxin the amount of xx with xx<br> There is an active junior mortgage against the subject property in favor of xx, a corporation in the amount ofxxwhich originated on xx/xx/2022 and recorded on xx/xx/2022 with the instrument xx Bookxx, Pagexx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of combined taxes for 2024 were paid in the total amount of $xx on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,540.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,728.16 with an interest rate of 3.00%. The current UPB reflected as per the payment history is $xx | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx<br> Unable to determine the reason for the default<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 28.10%. The tape shows verified assets for closing of xx, which does not satisfy the cash-to-close requirement of $xx. The verification of employment is not within 10 business days before closing. BWR defect. Further details not provided. The subject originated on xx/xx/2020, and the 3-year SOL has expired, FICO 768, and xx equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 59418757 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | Other | xx | $0.00 | $8179.40 | xx | xx | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1781.12 | 6.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 100.000% | 100.000% | Unavailable | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 11/01/2017 | $351966.44 | Not Applicable | 5.019% | $1688.10 | 11/01/2017 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with instrument xx in the amount of xx with xx.<br> There are 08 xx liens against the subject property in favor of xx, Inc., which were recorded on different dates in the total amount of xx<br> There are 02 IRS liens against the borrower in favor of the XXXX, which were recorded on xx/xx/2019 and xx/xx/2021 in the total amount of $xx<br> There is a state tax lien against the borrower in favor of the Division of Taxation, which was recorded on xx/xx/2014 in the amount of xx<br> The 1st and 2nd installments ofxx for 2025 have been paid in the total amount of $4,089.70 on xx/xx/2025.<br> The annual installment of xx for 2025 has been delinquent in the amount of $165.75, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,635.39 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,688.10 with an interest rate of 5.019%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> The loan was modified on xx/xx/2017.<br> The foreclosure was initiated on the loan in 2013, and the notice of lis pendens was filed on xx/xx/2013 with the instrument #xx. The amended complaint was filed on xx/xx/2014 with the docket no. xx. As per the servicing comment dated xx/xx/2016, the foreclosure case was dismissed on xx/xx/2016 due to lack of prosecution. Again, the foreclosure case was resumed in 2017. As per the servicing comment dated xx/xx/2017, the most recent foreclosure sale date was scheduled for xx/xx/2018. Further details not provided.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is xx<br> Foreclosure Comments:The foreclosure was initiated on the loan in 2013, and the notice of lis pendens, located at xx. As per the servicing comment dated xx/xx/2015, the foreclosure was put on hold for loss mitigation. As per the servicing comment dated xx/xx/2016, the foreclosure case was dismissed on xx/xx/2016 due to lack of prosecution. Again, the foreclosure case was resumed in 2017. As per the servicing comment dated xx/xx/2017, the foreclosure sale date was scheduled for xx/xx/2017. The date of sale was postponed several times, and as per the servicing comment dated xx/xx/2017, the most recent foreclosure sale date was scheduled for xx/xx/2018. Further details not provided.<br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrowers,xx and the lender, xx., with an effective date of xx/xx/2017, and the new modified unpaid principal balance is $xx which is an interest bearing amount. The modified monthly P&I of $1,546.07 with an interest rate of 4.339% starting on xx/xx/2017, which will be changed in 02 steps until the new maturity date of xx/xx/2057. The rate will change in 02 steps, which end with 5.019%. As per the modification agreement, the lender has forgiven principal in the amount of xx | Credit Report<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Origination Appraisal<br> Right of Rescission | xx | 4: Unacceptable | \* The property is located in a state that has xx and HUD-1/FCD is missing to test the compliance (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The property is located in a state that has unlimited assignee liability for high-cost loans, and HUD-1/FCD is missing to test the compliance." | \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1, along with the itemization of fees and the estimated HUD-1, is missing from the loan documents. The tape and file show the final HUD-1 is missing, and the subject property is located in a xx | \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal is missing from the loan documents. xx<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The right of rescission is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 60381650 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1901.97 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2329.32 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 84.733% | 84.733% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 769 | 763 | 47.046% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx<br> No active judgments or liens found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $1,901.97 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,703.32 (PITI), which was applied for the due date of xx/xx/2025. The current interest P&I is $2,329.32 with an interest rate of 7.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is occupied by xx<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan has no issue or the issue has been satisfied. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is NOO and was approved at 47.04%. The tape reflects an increased DTI of 48.98%. Further details not provided. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 33921466 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | No | Not Applicable | Other |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2320.36 | 3.000% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 735 | 776 | 26.117% | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and mortgage not recorded unrecorded copy of MTG is available with the loan file in the amount of $xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2025 has been exempted on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,320.36 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,320.36 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape data, the subject property is xx<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Mortgage | xx | 4: Unacceptable | \* Mortgage missing / unexecuted (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "" As per the note, the subject mortgage was originated on xx/xx/2022, and the mortgage was not recorded. There is an unrecorded copy of the mortgage in the loan file located at xx | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the state regulation late fees test, as the late fee of 5.000% charged on the loan exceeds the threshold of 2.000%, and it is over by +3.000%."<br> \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The hazard insurance certificate is missing from the loan documents."<br> \* Type of Ownership is Leasehold or Cooperative (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "" The subject loan originated on xx/xx/2022 with a maturity date of xx/xx/2037. As per the lease agreement located at xx the ground lease is held by xx ., and the leasehold expires on xx/xx/2078." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 26.11%. The tape shows income could not be verified, as the WVOE was dated more than 90 days at closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. <br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the qualified mortgage lending policy points and fees test due to fees charged, xx, exceed the fees threshold of $9,638.41 by +$2,581.59. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: xx Processing Fee paid by Borrower: $1,300.00"<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged, xx, exceeding the fees threshold of $9,638.41 by +$2,581.59. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: xx Processing Fee paid by Borrower: $1,300.00" |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 30526366 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Rhode Island | xx | xx | xx | Rhode Island | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $785.57 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 89.736% | 89.736% | Full Documentation | No |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 654 | Not Applicable | 34.796% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2020, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 with book/page x in the amount of x with xx<br> There is an active junior UCC Financing Statement (UCC) against the subject property in favor ofxx, which was recorded on xx/xx/2021. Elevated for client review as the title does not insure against UCCs.<br> The annual 1st, 2nd, 3rd, 4th, and 5th installments of county taxes for 2024 have been paid in the total amount of $3,108.76 on different dates.<br> The annual 1st, 2nd, 3rd, 4th, and 5th installments of county taxes for 2025 are due in the total amount of $2,915.72 on different dates.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,291.02 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $785.57 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No bankruptcy activity has been found.<br> xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Hazard Insurance | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is HPML non-compliant.xx shows the loan passed the HPML test. Further details are not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect Points - Loan Discount Fee at $4,001.56. CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $2,466.00. This is an increase in fee of $1,535.57 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Evidence of hazard insurance is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 36181032 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6850.61 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3333.79 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 746 | Not Applicable | 38.775% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrumentxx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $6,576.59 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,597.80 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,333.79 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | <br>According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2025, the reason for default is xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. Tape shows property is NOO as BWR owns other property. Further details were not provided. Elevated for client review." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. xx<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the qualified mortgage lending policy points and fees test due to fees charged of xx exceed the fees threshold of xx over by +$6,565.68. The below fees were included in the test: Mortgage broker fee (indirect): xx Points-loan discount fee paid by borrower: $6,515.78 Underwriting fee paid by borrower: $1,050.00"<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the GSE QM points and fees test due to fees charged of xx exceed the fees threshold of xx over by +$6,565.68. The below fees were included in the test: Mortgage broker fee (indirect): xx Points-loan discount fee paid by borrower: $6,515.78 Underwriting fee paid by borrower: $1,050.00"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 38.77%. Tape shows subject is NOO due to misrepresentation causing lender to xx . Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. xx<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. Finance charge disclosed on final CD is xx. The calculated finance charge is xx for an undisclosed amount of -$1,673.90. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. The subject loan is a purchase originated on xx/xx/2024, and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 91426616 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1619.20 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2590.70 | 8.062% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | Yes | 693 | 707 | 37.740% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #x in the amount of x<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $1,619.20 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,048.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,590.70 with an interest rate of 8.060%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is ax<br> x<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceed fees threshold of $9,574.74 over by +$963.74. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $8,943.48<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $995.00.<br>Loan fails Qualified x and fees test due to fees charged xx exceed fees threshold of $9,574.74 over by +$963.74. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $8,943.48<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $995.00."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the seller's tape no issue or defect satisfied. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as x Calculated finance charge is x for an under disclosed amount of -$163.00. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL has expired.<br>Loan failed TILA APR test due to APR calculated 8.861% exceeds APR threshold 9.068% under disclosed by -0.207%. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $2,730.00. CD dated xx/xx/2024 reflectsPoints - Loan Discount Fee at $8,943.48.<br> Loan estimate dated xx/xx/2024 does not reflect VOE Fee. CD dated xx/xx/2024 reflects VOE Fee at $150.00.<br> Loan estimate dated xx/xx/2024 does not reflect State Tax/Stamps Fee. CD dated xx/xx/2024 reflects State Tax/Stamps Fee at $1,657.50.<br> This is a cumulative increase in fee of $8,020.98 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL has expired."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard is missing from the loan file." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 87382448 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2731.47 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2455.78 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 89.333% | 89.333% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 754 | 806 | 23.015% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument x in the amount ofx<br> No active judgments or liens have been found.<br> The annual installment of 2025 taxes for combined has been paid in the amount of $x on xx/xx/2025.<br> The annual installment of school taxes for 2024/2025 has been paid in the amount of $x on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,936.92 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,455.78 with an interest rate of 7.990%. The current UPB reflected as per the payment history is $x | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> Unable to determine reason for default.<br> Unable to determine owner occupancy.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> XXX. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the QM safe harbor threshold test due to the APR calculated at 8.422% exceeds the APR threshold of 8.420% by +0.002%. The subject loan is escrowed."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2024 reflects points—loan discount fee at $4,606.00. CD dated xx/xx/2024 reflects Points—Loan Discount Fee at $5,306.40. The loan estimate dated xx/xx/2024 reflects transfer taxes at $2,479.00. The CD dated xx/xx/2024 reflects transfer taxes at $2,487.50. This is a cumulative increase in fees of $708.90 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. A valid COC for the increase in fee is available; the COC is not getting tested due to the loan failing TRID delivery and timing test."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows no issue or defect satisfied. Further details are not provided."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance policy is missing from the loan documents." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 26269042 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1808.06 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 769 | Not Applicable | 45.713% | First | Preliminary title policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument x in the amount of x<br> There is a child support lien against the borrower in favor of the County of Ventura recorded on xx/xx/2024. The SSN mentioned on the supporting document is inconsistent with the subject borrower.<br> The 1st and 2nd installments of county taxes for 2024/2025 have been paid in the total amount of x on xx/xx/2024 and xx/xx/2025. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,898.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,808.06 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $3x | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine RFD.<br> As per tape data, the subject property isx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan did not fail any TRID test." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the qualified mortgage lending policy points and fees test due to fees charged, xx, exceed the fees threshold of xx by +$97.45. The below fees were included in the test: Mortgage Broker Fee (Indirect) xx Points—Loan Discount Fee paid by Borrower: $1,163.67 Underwriting Fee paid by Borrower: $999.00"<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. Finance charge disclosed on final CD as xx. The calculated finance charge is xx for an under disclosed amount of -$511.87. The subject loan is a purchase originated on xx/xx/2021, and the 1-year SOL has expired."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged, xx, exceed the fees threshold of xx by +$97.45. The below fees were included in the test: Mortgage Broker Fee (Indirect) xx Points—Loan Discount Fee paid by Borrower: $1,163.67 Underwriting Fee paid by Borrower: $999.00"<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 45.71%, as the borrower's income is xx and total expenses are in the amount of xx, and the loan was underwritten by DU (240294801 PG#13), and its recommendation is "Approve/Eligible" with a DTI of 45.71%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 312288 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | $0.00 | $0.00 | xx | Unavailable | No | Unavailable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $224.33 | 7.097% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 35.135% | 35.135% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 673 | Not Applicable | 8.771% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and recorded on xx/xx/2006 with instrument #xx in the amount of xx<br> No active judgments or liens have been found. <br> The annual 1st installment of county taxes for 2024 has been paid in the amount of $1514.97 on xx/xx/2024. <br> The annual 2nd installment of county taxes for 2024 has been paid in the amount of $1514.97 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan. and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $338.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $338.93 with an interest rate of 7.141%. The current UPB reflected as per the payment history is xx | Collections Comments: According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> Unable to determine the RFD. Occupancy is a primary home. No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified.<br> According to the updated title report dated xx/xx/2025, the subject property's notice of sale was scheduled on xx/xx/2011 & xx/xx/2014. Further details not provided.<br> According to the PACER, the borrower, xx , filed bankruptcy under Chapter 13 with the casexx on xx/xx/2012. The BK was dismissed on xx/xx/2013 and terminated on xx/xx/2014. · Foreclosure Comments:According to the updated title report dated xx/xx/2025, the subject property's notice of sale was scheduled on xx/xx/2011 & xx/xx/2014. Further details not provided.<br> Bankruptcy Comments: According to the PACER, the borrower,xx, filed bankruptcy under Chapter 13 with the casexx on xx/xx/2012. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx, and the value of the collateral is $xx. The unsecured portion is $2679. The POC was not filed by creditors. The Chapter 13 plan was not confirmed. There is no comment indicating a cramdown. The BK was dismissed on xx/xx/2013 and terminated on xx/xx/2014. | Not Applicable | ARM Rider<br> Condo/PUD Rider<br> Loan Program Info Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows DSI vs arrears discrepancy. Further details not provided." | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the per diem interest amount test."<br> \* Condo / PUD rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The condo rider is missing from the loan documents."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Mortgage - Missing required ARM Rider (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The ARM rider is missing from the loan documents."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1 reflects the closing date as xx/xx/2006. The notary signature date on the mortgage/deed of trust is xx/xx/2006. ROR was signed by the borrower on xx/xx/2006 with an expiry date of xx/xx/2006, and the loan was funded on xx/xx/2006." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 58971973 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $7905.28 | 06/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1653.78 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 55.474% | 55.474% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 816 | Not Applicable | 2.435% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument x in the amount of xx<br> There is an active HOA lien against the subject property in favor of Lxx which was recorded on xx/xx/2024 in the amount of $x<br> There is a state tax lien against the borrower in favor of thexx, which was recorded on xx/xx/2016 in the amount of xx.<br> There are two civil judgments against the borrower in favor of different plaintiffs, which were recorded on different dates, in the total amount of $7,332.49. <br> There is one child support lien against the borrower in favor of the County of xx, which was recorded on xx/xx/2019.<br> There is a credit card judgment against the borrower in favor of xx ., which was recorded on xx/xx/2023, in the total amount of $3,549.97.<br> The first installment of county taxes for 2024 has been paid in the amount of $3,952.64 on xx/xx/2024.<br> The second installment of county taxes for 2024 has been paid in the amount of $3,952.64 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,299.09 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,653.78 with an interest rate of 3.250%. The current UPB reflected as per the payment history isxx<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> Unable to determine the current occupancy of th xx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. No post-close bankruptcy record has been found. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per seller tape data, the defect is shown as No Issue/Defect Satisfied." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 55677809 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1538.88 | 06/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2171.80 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | No | No | 769 | Not Applicable | 41.179% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument x in the amount of x<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the amount of $1,538.88 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,449.39 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,171.80 with an interest rate of 8.125%. The current UPB reflected as per the payment history isx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is x<br> As per the seller's data, the subject property is second home.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as-is. The improvement section of the appraisal report shows deferred maintenance due to worn and dated finishes and damaged drywall in the basement. The estimated cost to cure is not available in the loan files. 1004D or certified professional inspection report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by borrower is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan has no issues or defects. Further details not provided." |  |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 94835262 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $504.40 | 06/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1817.63 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | Yes | 755 | 744 | 37.197% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument x in the amount of xx<br> No active judgments or liens found.<br> For parcel x<br> The 1st installment of county taxes for 2025 has been paid in the amount of $252.20 on xx/xx/2025.<br> The 2nd installment of county taxes for 2025 is due in the amount of $252.20 on xx/xx/2025.<br> For parcel #x<br> The 1st installment of county taxes for 2025 has been paid in the amount of $33.76 on xx/xx/2025.<br> The 2nd installment of county taxes for 2025 has been paid in the amount of $33.76 on xx/xx/2025.<br> For parcel #x<br> The 1st installment of county taxes for 2025 has been paid in the amount of $0.86 on xx/xx/2025.<br> The 2nd installment of county taxes for 2025 has been paid in the amount of $0.86 on xx/xx/2025.<br> For parcel #xx<br> The 1st installment of county taxes for 2025 has been paid in the amount of $16.13 on xx/xx/2025.<br> The 2nd installment of county taxes for 2025 has been paid in the amount of $16.13 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,048.36 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,817.63 with an interest rate of 8.125%. The current UPB is $x | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $x<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property type is secondary home.<br> x<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the seller's tape, no issue or defect satisfied. Further details not provided." |  |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 78624083 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $579.70 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 669 | Not Applicable | 23.969% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on 0707/2020 and recorded on xx/xx/2020 with Instrument #x in the amount of x.A.<br> No active judgments or liens have been found.<br> Taxes to follow. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,218.11 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $579.70 with an interest rate of 3.250%. The current UPB reflected as per payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $x<br> As per the seller's tape, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, there is a dispute regarding the tax amount. Further details not provided.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows a TRID exception with an expired SOL. Further details not provided. Infinity compliance report shows the loan failed the TRID delivery and timing test and the TRID tolerance test." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. <br>Compliance is failing for state regulations PA license validation test."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2020 does not reflect Relock at Market Rate. CD dated xx/xx/2020 reflects Relock at Market Rate at $166.50. This is an increase in fee of +$166.50 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>Loan failed charges in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of Section C fees and recording fees at $2,240.70. CD dated xx/xx/2020 reflects the sum of Section C and the recording fee at $2,339.18. This is a cumulative increase of +$98.48 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Intent to proceed is missing from loan documents."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial 1003 signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 39077992 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10390.45 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2567.41 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 72.930% | 72.930% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 781 | 781 | 33.101% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument x in the amount of $x<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,165.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,567.41 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $x<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2021 does not reflect points—loan discount fees. CD dated xx/xx/2021 reflects points—loan discount fee at $715.00. This is an increase in fee of +$715.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br>The TRID violation is due to a decrease in lender credit on the closing disclosure dated xx/xx/2021. The initial LE dated xx/xx/2021 reflects a lender credit of $548.68, and the final CD dated xx/xx/2021 reflects a lender credit of $0.00. This is a decrease of +$548.68 for a fee that has a 0% tolerance test. The subject loan is a refinance, originated on xx/xx/2021, and the 3-year SOL has expired."<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The AUS/DU report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 61841367 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6917.28 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1349.49 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 61.446% | 61.446% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 772 | 775 | 29.589% | First | Final policy | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with Book/Page xin the amount of x<br> No active judgments or liens have been found.<br> The first and second installments of town taxes for 2025 have been paid in the total amount of $x on xx/xx/2025 and xx/xx/2025.<br> The annual installment of utilities/MUD charges for 2025 has been paid in the amount of $200.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,201.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,349.49 with an interest rate of 4.875%. The current UPB reflected is $2x | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected is $x<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the state regulations for prohibited fees test.<br> The following fees were included in the test:<br> CPL paid by Borrower: $75.00<br> Legal Fee paid by Borrower: $1,250.00<br> Real Estate Commission paid by Seller: xx<br> Tax Service Fee paid by Borrower: $80.00" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 30.15%. The tape shows income documents for BWR1 were not provided. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 48266026 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5379.48 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1579.50 | 2.750% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 685 | 756 | 42.820% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 with Instrument xx in the amount of xx<br> There is an active junior mortgage against the subject property originated on xx/xx/2025 and recorded on xx/xx/2025 with Instrument #x in the amount of xx<br> The first and second installments of county taxes for 2023/2024 have been paid in the total amount of x on xx/xx/2024 and xx/xx/2024.<br> The first installment of county taxes for 2024/2025 has been paid in the amount of $2,958.71 on xx/xx/2025.<br> The annual water/sewer taxes charges for 2024/2025 are delinquent in the amount of $88.24 which is good through xx/xx/2025. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,311.52 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,579.50 with an interest rate of 2.750%. The current UPB reflected as per payment history is $x | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 42.82%. Tape shows the calculated investor qualifying DTI ratio of 55.72% exceeds the approved DTI of 43%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2020 and the 3-year SOL has expired. <br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 82536029 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $16.47 | $7947.77 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2891.88 | 2.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 79.121% | 79.121% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 771 | 768 | 46.865% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2022 with instrument x in the amount of x<br> There is an ECB lien against the borrower in favor of xx, which was recorded on xx/xx/2018 in the amount of $9,617.12.<br> There are 13 state tax liens against the borrowers in favor of XXXX, which were recorded on different dates in the total amount of xx.<br> There is a federal tax lien against the borrower in favor of XXXX, which was recorded on xx/xx/2017 in the amount of xx.<br> There are civil judgments against the borrower in favor of XXXX and xx which were recorded on different dates in the total amount of xx.<br> The annual 4th installment of combined taxes for 2025 has been paid in the amount of $1,891.87 on xx/xx/2025.<br> The annual installment of combined taxes for 2026 is due in the amount of $7,947.77 on xx/xx/2025, xx/xx/2025, xx/xx/2026 and xx/xx/2026.<br> 4th installment of combined taxes for 2025 has been delinquent in the total amount of $16.47, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,891.88 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,891.88 with an interest rate of 2.625%. The current UPB reflected as per the payment history isx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB isx<br> As per the collection comment dated xx/xx/2025 the reason for the default is payment dispute.<br> As per the collection comment dated xx/xx/2025 the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial 1003_Application<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows qualifying assets for closing are less than cash from the borrower. Assets are insufficient for closing. Bank statements in the file show $36K. Tape shows lender verified $77K of the $XX funds required to close. Further details not provided. Subject loan originated 12/XX/21." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as is. A photo addendum of the subject property shows damaged plaster ceilings in the living room, peeling paint in a second-floor bedroom, and chipping, peeling paint on the exterior of the home. The estimated cost to cure is in the amount of $2,500. 1004D/Completion report is missing from the loan documents. The final CD does not reflect escrow holdback."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 46.86%. The tape reflects an increased DTI of 47.10%. Further details not provided. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. <br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed Qualified Mortgage Lending Policy points and fees test due to fees charged xx exceeds fees threshold of xx over by +$9,259.16.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $175.00<br> Commitment Fee paid by Borrower: $915.00<br> Points - Loan Discount Fee paid by Borrower: xx."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2021 reflects Points - Loan Discount Fee at $9,000.00. Final CD dated xx/xx/2021 reflects Points - Loan Discount Fee at xx. This is an increased fee in the amount of +xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2021, and the 1-year SOL has expired.<br>TRID violation due to decrease in lender credit on final CD. Initial LE dated xx/xx/2021 reflects Lender credits at $2,050.00. Final CD dated xx/xx/2021 reflects Lender credits at $1,508.75. This is a decrease of $541.25 for a fee which has 0% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2021, and the 1-year SOL has expired."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceeds fees threshold of xx over by +$9,259.16.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $175.00<br> Commitment Fee paid by Borrower: $915.00<br> Points - Loan Discount Fee paid by Borrower: xx."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 98188280 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2829.60 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2375.51 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 709 | Not Applicable | 49.375% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xin the amount of x<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $2,829.60 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,855.90 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,375.51 with an interest rate of 8.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for default.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2025, the borrower has filed a claim for the subject property damaged due to the fire. The date of loss is xx/xx/2025, and the actual loss amount is not available. The borrower filed an insurance claim with claim number xx with xx. The loss draft check was received in the amounts of $xx. No comments have been found regarding repair completion. <br> BWR receives other income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase the 0% tolerance test."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Qualified xx and fees test due to fees charged of $8,976.89 exceeding the fees threshold of xx by +$5,538.74. <br> The below fees were included in the test: Loan Origination Fee paid by Borrower: $3,162.00 Points—Loan Discount Fee paid by Borrower: xx Underwriting Fee paid by Borrower: $1,055.00"<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the state regulation late fees test, as the late fee of $118.78 charged on the loan exceeds the threshold of $100.00, and it is over by +$18.78."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of xx exceeding the fees threshold of $8,976.89 by +$5,538.74. The below fees were included in the test: Loan Origination Fee paid by Borrower: $3,162.00 Points—Loan Discount Fee paid by Borrower: xx Underwriting Fee paid by Borrower: $1,055.00"<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan closed at 48.81% DTI. The Lender excluded a new liability. Lender defect. Revised DTI unknown as the loan was from a Church where the BWR's husband is the Pastor. Subject loan originated 12/XX/22 and the 3-year SOL is active. The BWR isxx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2022 reflects points—loan discount fees at $4,145.00. The CD dated xx/xx/2022 reflects points—loan discount fee at xx. The loan estimate dated xx/xx/2022 does not reflect the appraisal re-inspection fee. CD dated xx/xx/2022 reflects an appraisal re-inspection fee of $200.00. This is a cumulative increase in fees of $6,353.63 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. A valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase that originated on xx/xx/2022, and the 1-year SOL has expired."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) because an APR calculated at 8.809% exceeds the APR threshold of 8.530% by +0.279%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>Loan failed. Qualified Mortgage Safe Harbor threshold test due to APR calculated at 8.783% Exceeds APR threshold of 8.530% by +0.253%. The subject loan is escrowed." |  | Moderate | Pass | Fail | Pass | Not Covered | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $12790.57 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 38378364 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8201.86 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1790.57 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 79.799% | 79.799% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 698 | Not Applicable | 31.932% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrumentxx in the amount of xx<br> There is one UCC lien against the subject property in favor of ISPC recorded on xx/xx/2024.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $8,201.86 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,302.61 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,790.57 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the occupancy of the subject property is stated as investment.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject approved at 31.93%. Tape shows debt miscalculation. The revised DTI is 60.14%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 87711656 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $18341.56 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $2302.89 | 6.125% | 480 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 84.854% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 712 | 781 | 28.227% | First | Final policy | Not Applicable | XXXX | 01/01/2022 | $405066.13 | $77346.13 | 3.000% | $1173.19 | 12/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with instrument/book/page x in the amount of $xx<br> There is an active junior mortgage against the subject property in favor of xx. in the amount of $xx, which originated on xx/xx/2007 and was recorded on xx/xx/2007 with the instrument/book/page xx<br> There are 5 civil judgments against the borrower in favor of different plaintiffs, which were recorded on different dates in the total amount of xx.<br> There are 4 state tax judgments against the borrower in favor of the XXXX, which were recorded on different dates in the total amount of xx.<br> The 1st and 2nd installments of town taxes for 2025 were paid in the total amount of $9,170.78 on xx/xx/2025 & xx/xx/2025, respectively.<br> The annual utilities/MUD charges for 2025 are due in the amount of $444.81 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,839.28 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,173.19 with an interest rate of 3.00%. The current UPB reflected as per the payment history is xx and deferred balance is $7x | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $x<br> Unable to determine the reason for the default.<br> As per the collection comment dated xx/xx/2022, the loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> According to the PACER, the borrowers, xx, filed bankruptcy under Chapter 13 with the case #xx. The BK was discharged on xx/xx/2019 and terminated on xx/xx/2020.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrowers, xx, filed bankruptcy under Chapter 13 with the case xx. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx, and the value of the collateral is $xx The unsecured portion is $0.00. The POC was filed by the creditor, xx, on xx/xx/2014, with the secured claim amount of $x and the arrearage amount of $xx. The Chapter 13 plan filed on xx/xx/2016 was confirmed on xx/xx/2019. The approved Chapter 13 x plan was filed on xx/xx/2016 and confirmed on xx/xx/2019. The borrower has promised to make monthly mortgage payments of $570.00 for 48 months to the trustee under the Chapter 13 plan. There is no comment indicating a cramdown. The BK was discharged on xx/xx/2019 and terminated on xx/xx/2020. | The modification agreement was made between the borrowers xx on xx/xx/2022. As per the modified term, the new principal balance is $x, out of which $x is the interest-bearing amount and the deferred amount is $x. The monthly P&I is $1,173.19 with an interest rate of 3.00% beginning on xx/xx/2022 and a maturity date of xx/xx/2061. There is no principal forgiven amount. The loan has been modified for the first time since origination. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the defect as "No Issue/Defect Satisfied." Further details were not provided." | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the prohibited fees test. (xx The loan does charge fee(s) not provided for in this act, which is prohibited. A mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are not failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from the loan documents." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 20231853 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $487.81 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $552.84 | 3.375% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 50.323% | 50.323% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 34.081% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2022 with instrument x, in the amount ofxx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $487.81 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $780.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $552.84 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for default.<br> Unable to determine the occupancy of the subject property. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Required Disclosures | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows a one-month bank statement required to verify assets is missing. DU shows assets were verified with an online vendor in the amount of $1,219.51. Cash to close requirement is $0.00. Further details not provided."<br> \* Settlement date is different from note date (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD reflects closing date as xx/xx/2022. Notary's signature date on the mortgage/deed of trust is xx/xx/2022. Note date is xx/xx/2021." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated xx/xx/2021. The initial LE dated xx/xx/2021 reflects a manufactured home fee at $0. The final CD dated xx/xx/2020 reflects the manufactured home fee at $125. This is a fee increase of $125 for the 0% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a refinance case that originated on xx/xx/2021, and the SOL is expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2021 reflects manufactured home data lookup fee. Final CD dated xx/xx/2022 reflects manufactured home data lookup fee at $125.00. This is an increase in fee of +$125.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject is a purchase case originated on xx/xx/2021, and the 1-year SOL has expired."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower signed intent to proceed is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at xx" state that the manufactured home with serial xx has been affixed to the permanent foundation." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 21549700 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1748.08 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $644.70 | 2.750% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 67.857% | 67.857% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 696 | Not Applicable | 42.624% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument #x in the amount of xx<br> There is a prior Writ Of Fieri Facias (Civil Judgment) against the borrower in favor ofx which was recorded on xx/xx/2013 in the amount of $136.59.<br> The annual installment of county taxes for 2024 has been paid in the amount of $1,748.08 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $644.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $644.70 with an interest rate of 2.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>x<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 32.62%. The tape shows an increased DTI of 58.73%. Further details not provided. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. <br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2021 reflects an appraisal fee of $535.00. The CD dated 0xx/xx/2021 reflects an appraisal fee of $720.00. This is an increase in fee of $185.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/2021, and the 3-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 1876273 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $8538.58 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $1531.25 | $2107.04 | 5.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 50.000% | 50.000% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 778 | Not Applicable | Unavailable | First | Preliminary title policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 with instrument xx in the amount of $x<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $8,538.58 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,356.94 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,596.86 with an interest rate of 7.00%. The current UPB reflected as per the payment history is xx. As per tape, the deferred balance is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per tape data, the loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br>The subject loan was approved under the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This conventional ARM rate mortgage originated on xx/xx/2020 with a P&I of $1,531.25, a rate of interest of 5.00%, and a maturity date of xx/xx/2050. The current P&I, as per the latest payment history as of xx/xx/2025, is $2,596.86, and the rate of interest is 7.00%. Tape shows the loan was modified on xx/xx/2021. The modification agreement is missing from the loan file. | Hazard Insurance<br> Initial Escrow Acct Disclosure<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows HPML non-compliant. Infinity review shows HPML LVL2." | \* ComplianceEase RESPA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the homeownership counseling organizations disclosure date test due to the following findings.<br> The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan<br> originator's application date"<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the qualified mortgage interest-only test due to this loan is an interest-only loan.<br>This loan failed the written list of service providers disclosure date test for one or more of the following reasons. The written list of service providers disclosure dates is either less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. Finance charge disclosed on final CD as $x The calculated finance charge is xx for an undisclosed amount of - xx. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. <br>TILA foreclosure rescission finance charge test due to finance charge disclosed on Final TIL as xx. The calculated finance charge is xx for an undisclosed amount of - xx. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. <br>Loan failed TILA APR test due to APR calculated at 5.110% exceeding APR threshold of 5.700% by +0.590%."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails TRID total of payments test due to fees charged of xx. Exceeds fees threshold of xx by - xx.<br> Loan fails TRID rescission total of payments test due to fees charged of xx. Exceeds fees threshold of xx by - xx.<br> The subject loan is a refinance, originated on xx/xx/2020, and the 3-year SOL has expired.<br>Loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2019 delivered on xx/xx/2019, which is more than 3 business days from initial application date xx/xx/2019."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the GSE (x) Amortization Test due to the loan contains an interest-only feature and the loan is a cash-out refinance."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the CA AB 260 Higher-Priced Mortgage Loan Test (12 CFR § 1026.35(a)(1)) due to APR calculated at 5.700% exceeds the APR threshold of 5.550% by +0.150%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 5.700% exceeds the APR threshold of 5.550% by +0.150%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated at 5.700%. Exceeds APR threshold of 5.550% by +0.150%. The subject loan is escrowed."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The hazard insurance certificate is missing from the loan documents."<br> \* Note has LIBOR Index with Replacement Clause (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The note states, If the index is no longer available, the noteholder will choose a new index that is based upon comparable information. The noteholder will give notice of this choice." |  | Moderate | Pass | Fail | Fail | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 96251177 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Not Applicable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10897.51 | 05/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6427.04 | 6.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 79.800% | 79.800% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 755 | 767 | 38.132% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument # xx in the amount of xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2025 has been paid in the amount of $5,448.75 on xx/xx/2025.<br> The second installment of county taxes for 2025 is due in the amount of $5,448.76 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,427.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,427.04 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $x | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $x<br> As per the tape, the occupancy of the subject property is owner-occupied.<br> Unable to determine reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows TRID exception. Further details not provided. Infinity CE report did not fail TRID test." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 93187727 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $2674.19 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $514.14 | 4.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 78.125% | 78.125% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 725 | 719 | 26.362% | First | Final policy | Not Applicable | Not Applicable | 11/16/2022 | $111071.31 | Not Applicable | 4.625% | $508.29 | 01/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2018 and recorded on xx/xx/2018 with instrument xx in the amount of x<br> There is an active junior mortgage against the subject property in favor of the County of x which originated on xx/xx/2018 and was recorded on xx/xx/2018 with the instrument \| xx<br> There is an active utility lien against the subject property in favor of the xx, which was recorded on xx/xx/2024 in the amount of $545.09.<br> The annual installment of county taxes for 2024 was paid in the amount of $2,674.19 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $946.96 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $508.29 with an interest rate of 4.625%. The current UPB reflected as per the payment history tape data is xx. PH shows a large transaction in the amount of $5,616.80 on xx/xx/2025 which was applied for the due dates of xx/xx/2024 to xx/xx/2025. The collection comment dated xx/xx/2025 and xx/xx/2025 shows the funds received in the total amount of $5,616.80 as borrower payments. | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is the death of the co-borrower.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan was modified on xx/xx/2022.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, XX. on xx/xx/2022. As per the modified term, the new principal balance is $xx. The monthly P&I is $508.29 with an interest rate of 4.625% beginning on xx/xx/2023 and a maturity date of xx/xx/2062. There is no deferred balance and principal forgiven amount. The loan has been modified twice since origination. | Affiliated Business Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase 0% tolerance test." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the Prohibited Fees First Lien Test. The total fee charged is $1,950.00, and the allowed is $0; however, it is over by +$1,950.00. Fees Included- Administration Fee: $625 Points - loan discount Fee: $1325."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The charges that cannot increase the test are due to the increase of the fee in the final CD dated xx/xx/2018. The initial LE dated xx/xx/2018 reflects points - Loan Discount Fee $0.00 and Appraisal Re-Inspection Fee $0.00. Credit report fee: $114 The final CD dated xx/xx/2018 reflects points - Loan Discount fee: $1325, Appraisal Re-Inspection fee: $100. Credit report fee of $188.49 for 0% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case that originated on xx/xx/2018, and the SOL is 1 year expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 54397484 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $23420.17 | 05/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $14342.97 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 809 | Not Applicable | 41.753% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx<br> There is a federal tax lien against the borrower, xx which was recorded on xx/xx/2021 in the amount of $xx The SSN mentioned on supportive documents is inconsistent with the borrower's SSN."<br> There are three open code violations xx) for environmental complaints and solid waste against the subject property."<br> There is one expired permit with permit xx for electrical, which is against the subject property.<br> There are two issued permits with permit xx for residential building, permit xx3 for grading residential, which are against the subject property.<br> The annual installment of combined taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of 6.625%. The current UPB reflected as per the payment history is $| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is x<br> As per the seller's data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the CLTV of 86.153% exceeds the guideline CLTV of 80%. Further details not provided. Review of the file shows the subject loan was approved at 80% CLTV."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 71705448 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1088.03 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 683 | Not Applicable | 37.104% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2005 and recorded on xx/xx/2005 with book/pagexx in the amount of xx<br> There are two junior mortgages against the subject property in favor of xx . The first junior mortgage originated on xx/xx/2023 and was recorded on xx/xx/2023 in the amount of $xx, and the second junior mortgage originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of $xx<br> The 1st and 2nd installments of combined taxes for 2023 have been paid in the total amount of $4,178.70 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,003.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $523.20 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx, and the deferred balance is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The subject is a conventional fixed-rate mortgage originated on xx/xx/2005 with a P&I of $1,088.03, a rate of interest of 6.375%, and a maturity date of xx/xx/2035. The P&I, as per payment history, is $523.20, and the rate of interest is 3.250%. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan was modified on xx/xx/2021. The modification agreement is missing from the loan file. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows no issue or defect satisfied." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Connecticut license validation test."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 14997377 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $17054.32 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1772.38 | 1.550% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 77.863% | 77.863% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 671 | 754 | 43.869% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2021 with instrument xx in the amount of $xx<br> There is one UCC lien against the borrower,xx, which was recorded on xx/xx/2023. The amount of the UCC lien is not available on the supportive document.<br> There is one prior state tax lien against XXXX, in favor of the XXXX in the amount of $9,944.00, which was recorded on xx/xx/2013. The middle name "x." of the defendant does not match the middle name of the borrower, "x."<br> There is one prior civil judgment against the borrower, xx which was recorded on xx/xx/2018.<br> There are two judgments against the borrower, xx<br> The first judgment is in favor of xx LLC, in the amount of $xx, which was recorded on xx/xx/2022, and the second judgment is inxx in the amount of $x which was recorded on xx/xx/2022.<br> The first and second installments of town taxes for 2025 have been paid in the total amount of $8,527.16 on xx/xx/2025 and xx/xx/2025, respectively.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,383.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,772.38 with an interest rate of 1.550%. The current UPB reflected as per the payment history is $x | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Compliance Testing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows a TRID exception with an expired SOL. Further details not provided. Infinity compliance report shows the loan failed the TRID delivery and timing test and the TRID tolerance test."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails NJ prohibited fees test. The below fees were included in the test. Flood Elevation Cert paid by Borrower: $8.00 HOA Club Membership paid by Borrower: $100.00 Inspection—Home paid by Borrower: $515.00 Legal Fee (B)—Personal Rep paid by Borrower: $1,200.00 Program Lender Participation Fee paid by borrower: $1,500.00 Title Closing Protection Letter paid by Borrower: $75.00"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of Section C fees and recording fees at 484.00. The CD dated xx/xx/2020 reflects the sum of Section C and the recording fee at $1,069.00. This is a cumulative increase of +$585.00 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents. The subject loan was originated on xx/xx/2020, and the 1-year SOL has expired."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by borrower is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 60259135 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $8504.19 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1797.03 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 656 | Not Applicable | 42.201% | First | Short Form Policy | Not Applicable | Not Applicable | 10/01/2022 | $369495.93 | Not Applicable | 4.750% | $1631.54 | 10/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2019 and recorded on xx/xx/2019 with instrumentx in the amount of xx<br> There is an active junior mortgage against the subject property in favor of MERS as nominee for xx, in the amount of $x which originated on xx/xx/2022 and was recorded on xx/xx/2022 with the instrument xx<br> The annual installment of combined taxes for 2025 has been paid in the amount of $6,969.86 on xx/xx/2024.<br> The annual installment of city taxes for 2025 has been paid in the amount of $1,534.33 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,702.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,631.54 with an interest rate of 4.750%. The current UPB reflected as per the payment history tape data is $x | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan was modified on xx/xx/2022.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers,xx on xx/xx/2022. As per the modified term, the new principal balance is $xx. The monthly P&I is $1,631.54 with an interest rate of 4.750% beginning on xx/xx/2022 and a maturity date of xx/xx/2062. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows TRID exceptions. Further details not provided. Review of the Infinity CE report shows the loan did not fail any TRID exception." | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 60185017 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Kentucky | xx | xx | xx | Kentucky | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2070.67 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $604.27 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 92.657% | 92.657% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | No | Not Applicable | Unavailable | 559 | 621 | 32.629% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2016 and recorded on xx/xx/2017 with Book/Page x in the amount of $x withx<br> There is one junior mortgage against the subject property originated on xx/xx/2022 and recorded on xx/xx/2022 with Book/Page x in the amount of $x.00 with x<br> The annual installment of combined taxes for 2024 has been paid in the amount of $1,890.89 on xx/xx/2024.<br> The annual installment of city taxes for 2024 has been paid in the amount of $179.78 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $906.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $604.27 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $x, and the deferred balance is in the amount of x | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected is $x, and the deferred balance is in the amount of $x<br> The loan has not been modified since origination.<br> As per the comment dated xx/xx/2025, the reason for default isx<br> As per the comment dated xx/xx/2023, the subject property is owner-occupied.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the comment dated xx/xx/2023, the three-month deferment has been approved for the borrower. No further details provided.<br> No details pertaining to the damage to the subject property have been observed. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Application<br> Flood Certificate<br> Hazard Insurance<br> HUD-1 Closing Statement<br> Missing Required Disclosures<br> Right of Rescission | xx | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is from x, which has unlimited assignee liability for state high cost, and we are unable to test compliance due to missing HUD." | \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final CD is missing from the loan file. The available copy of the final CD does not show loan calculation details on the last page of the final CD."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows no issue or defect satisfied. Further details are not provided." | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application is missing from the loan file."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 32.62%. The tape shows an increased DTI of 194%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2016, and the 3-year SOL has expired. BWR has 3 years on the job as an office worker with x<br> \* Missing flood cert (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Flood certification document is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Evidence of hazard insurance is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by borrower is missing from the loan documents.<br>Settlement services provider list is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 34774897 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Mississippi | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $219.30 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4283.86 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 789 | 793 | 36.871% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2017 and recorded on xx/xx/2017 with instrument x in the amount of xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024/2025 has been paid in the amount of $219.30 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,471.05(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,283.86 and the interest rate is 3.875%. The current UPB reflected as per the payment history is $x | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the seller's tape, the subject property is xx.<br> xx<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 36.87%. The tape shows VOE dated within 10 days of closing is missing from the loan documents. Further details not provided. Lender defect. The subject loan originated on xx/xx/2017, and the 3-year SOL has expired.<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Intent to proceed missing from the loan file." | \* Cash out purchase (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "As per final CD loan is cash out purchase." | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 47200754 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2053.38 | xx | xx | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1391.53 | 5.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 12/07/2015 | $256408.25 | $72599.51 | 2.000% | $556.62 | 01/01/2016 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2009 and recorded on xx/xx/2009 with instrument x in the amount of x<br> There are 5 state tax liens against the borrower in favor of the Illinois Department of Revenue in the total amount of x recorded on different dates.<br> There is a credit card judgment against the borrower in favor of x recorded on xx/xx/2023.<br> The annual county taxes for 2024 have been paid in the amount of $2,053.38 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,028.72 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $556.62 with an interest rate of 2.000%. The current UPB reflected as per the payment history is $xx and deferred balance is $xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xxxxowner-occupied.<br> The loan was modified on xx/xx/2015.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the UT dated xx/xx/2025, the foreclosure was initiated in 2015. The lis pendens was filed on xx/xx/2015. The foreclosure was canceled due to loss mitigation on xx/xx/2015. No further details have been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:As per the UT dated xx/xx/2025, the foreclosure was initiated in 2015. The lis pendens was filed on xx/xx/2015. The foreclosure was canceled due to loss mitigation on xx/xx/2015. No further details have been found.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower,x., on xx/xx/2015. As per the modified term, the new principal balance is $256,408.25. The monthly P&I is $556.62 with an interest rate of 2.000% beginning on xx/xx/2016 and a maturity date of xx/xx/2055. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Credit Application<br> Final Truth in Lending Discl.<br> Flood Certificate<br> Hazard Insurance<br> HUD-1 Closing Statement<br> Initial 1003_Application<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1, along with the itemization of fees and the estimated HUD-1, is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape data shows no issue/defect satisfied. No further details have been found." | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application signed by the borrower is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan documents. x<br> \* Missing flood cert (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Flood certificate is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance certificate is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 51376445 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | No | Not Applicable | Other | xx | $0.00 | $11143.08 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Unavailable | Yes | xx | Not Applicable | $2773.33 | 6.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 80.000% | 89.375% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 729 | Not Applicable | 48.744% | First | Final policy | Not Applicable | XXXX | 06/07/2022 | $403390.01 | $61959.29 | 3.750% | $1374.35 | 07/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with instrument x in the amount of x<br> There is an active junior mortgage against the subject property in favor ofxx which originated on xx/xx/2025 and was recorded on xx/xx/2025 with the instrument xx<br> There are 02 HOA liens against the subject property in favor of xx which were recorded on xx/xx/2010 and xx/xx/2011 in the total amount of $6,015.78.<br> The 1st and 2nd installments of town taxes for 2025 have been paid in the total amount of $5,326.22 on xx/xx/2025.<br> The 3rd installment of town taxes for 2025 is due in the amount of $2,908.43 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,349.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,374.35 with an interest rate of 3.750%. The current UPB reflected as per the payment history tape data is xx and deferred balance is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx <br> The loan was modified on xx/xx/2022.<br> No foreclosure activity has been found.<br> According to the PACER, the borrower,xx , filed bankruptcy under Chapter x with the case xx on xx/xx/2008. The BK was discharged on xx/xx/2009 and terminated on xx/xx/2009.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the servicing comment dated xx/xx/2024, the property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower,xx , filed bankruptcy under Chapter xx with the case xx on xx/xx/2008. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx, and the value of the collateral is $xx. The unsecured portion is $xx. There is no comment indicating a cramdown. The BK was discharged on xx/xx/2009 and terminated on xx/xx/2009. | The modification agreement was made between the borrower, x, and the lender, x., on xx/xx/2022. As per the modified term, the new principal balance is x, out of which $x is the interest-bearing amount and the deferred amount is $x The monthly P&I is $1,374.35 with an interest rate of 3.750% beginning on xx/xx/2022 and a maturity date of xx/xx/2062. There is no principal forgiven amount. The loan has been modified twice since origination. | Right of Rescission | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no issue or defect satisfied." | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the state regulation prohibited fees test. The following fees were included in the test:<br> Flood Determination - Life of Loan Fee paid by Borrower: $19.00<br> Tax Related Service Fee paid by Borrower: $80.00<br> 4th Qtr Taxes paid by Borrower: $2,650.68<br> Closing Protection Letter paid by Borrower: $25.00<br> Notice of Settlement paid by Borrower: $20.00<br> Tax Certification paid by Borrower: $35.00"<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The ROR signed by the borrower is missing from the loan documents."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The TIL is not hand-dated by the borrower." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 28469188 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | No | Not Applicable | First |  | $0.00 | $7402.92 | 06/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1331.85 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 78.491% | 78.491% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 775 | Not Applicable | 50.554% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx with xx.<br> No active judgments or liens found.<br> The annual installment of xxtaxes for 2024 has been paid in the amount of $7,402.92 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,277.01 (PITI), which was applied for the due date of xx/xx/2025. The current interest P&I is $1,331.85 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> Unable to determine the reason for default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the occupancy of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.90% DTI. The Lender miscalculated income. Lender defect. Revised DTI is 50.38%. Subject loan originated xx/xx/2024 and the 3-year SOL is active. |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 86827273 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $18508.62 | $18508.62 | 05/19/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $8016.67 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 757 | 763 | 41.916% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The first and second installments of xx taxes for 2024/2025 are delinquent in the amount ofxx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,016.67 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $8,016.67 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> As per the tape, the subject property xx<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xx. Calculated finance charge is xx for an under disclosed amount of - xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. <br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD asxx. Calculated finance charge is $xx for an under disclosed amount of -$919.14. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br>TRID total of payment disclosed on final CD as $xx. Calculated total of payments is $xx for an under disclosed amount of -$505.31. The disclosed total of payments of -$1,162.14 is not considered accurate because it is understated by more than $100. <br> Subject is a refinance case originated on xx/xx/2022, and the 3-year SOL is active."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2022 does not reflect final inspection fee. Final CD dated xx/xx/2022 reflects final inspection fee at $200.00. This is fee increase of $200.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject is a xx case originated on xx/xx/2022, and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is xt, further details are not provided." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 60944501 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4842.84 | 06/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1535.30 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | Yes | 689 | 715 | 45.050% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrumentxx in the amount ofx withxx<br> No active judgments or liens found.<br> The annual installment of xx for 2024 has been paid in the amount of $4,842.84 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,992.33 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,535.30 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history isxx<br> Unable to determine the reason for default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is occupied xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject is a xx. The project has amenities such as an onsite restaurant, multiple pools, an oceanfront bar and dining, tennis courts, a sports lounge, and 24-hour guard security. |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 96123780 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1438.68 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2850.64 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 800 | 791 | 36.831% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 xx<br> There is a credit card judgment against the borrower xx, which was recorded on xx/xx/2017.<br> There are xx against the borrower in favor of the xx, which were recorded on different dates in xx. The SSN number provided on the document is not consistent with the borrower's SSN number.<br> The annual installment of county taxes xx has been paid in the amount of xx xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been xx at Claims Adjusting xx<br> BWR2 has xx on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx "As per tape, there is no issue for this loan or the defect has been satisfied. Further details not provided." | \* ComplianceEase Exceptions Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase xx tolerance test. Initial LE dated xx/xx/2024 reflects Points - xx . Final CD dated xx/xx/2024 reflects Points - xx . This is an increase xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and xx" |  | Moderate | Not Covered | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 98105933 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | xx | xx | Not Applicable | xx | xx | No | No | Not Applicable | First |  | $0.00 | $6672.30 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $7531.66 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | No | No | 797 | 798 | 44.079% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 xx with xx as nominee for xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xx has been paid in the amount of $6,672.30 on xx/xx/2024.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate ofxx. The current UPB reflected as per the payment history is xx | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> As per the tape, the subject property is a second home.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has been SE for xxyears at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* Missing proof of hazard insurance xx&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance policy is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay xx "The subject loan was approved at xx. Tape shows the calculated qualifying DTI ratio of xx exceeds the AUS DTI ratio of xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024 xx. BWR has been xx. Review shows ATR confirmed."<br> \* Notice of Servicing Transfer missing or unexecuted xx "Servicing transfer disclosure is missing from the loan documents." |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 88917352 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $12355.33 | xx | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2218.27 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 64.103% | 64.103% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 42.545% | First | Final policy | Not Applicable | Not Applicable | 06/20/2019 | $540382.56 | Not Applicable | 2.000% | $1636.42 | 08/01/2019 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2008 and recorded on xx/xx/2009 with xx<br> The annual installment of combined taxes for xx on xx/xx/2025.<br> The annual installment of school taxes xx xx/xx/2024.<br> The annual installment of water/sewer charges is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history tape data is xx | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx<br> As per the tape data, the subject property is owner-occupied.<br> The foreclosure was initiated with the loan in xx. As per the notice of lis pendens, the complaint was filed on xx/xx/2017. No further details provided.<br> No post-close bankruptcy record has been found.<br> The loan was modified on xx/xx/2019.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:The foreclosure was initiated with the loan in xx As per the notice of lis pendens located at xx the complaint was filed on xx/xx/2017. No further details provided.<br>Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower,xx, and the lender, xx, on xx/xx/2019. As per the modified term, the new principal balance is xx. The monthly P&I is xx with an interest rate ofx xx beginning on xx/xx/2019 and a maturity date of xx/xx/2059. There is no deferred balance and principal forgiven amount. The loan has been modified three times since origination. | HUD-1 Closing Statement<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned xx "The HUD-1 signed by the borrower is missing from the loan documents."<br> \* Loan does not conform to program guidelines xx&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows no issue or defect satisfied. Further details are not provided." | \* Missing or error on the Rate Lock Document xx&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 93142424 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5179.79 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $982.78 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 45.912% | 45.912% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 782 | 725 | 39.203% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xx has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> Unable to determine the occupancy of the subject property.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx on the job as a xx.<br> BWR 2 has xx on the job as xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx/xx/2022. Initial LE dated xx/xx/2021 reflects Points - Loan Discount Fee & State Tax/Stamps at xx.xx - xx This is fee increase of xx tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and xx.<br>Infinity ce report shows subject loan failed for xx tolerance. Further details are not provided."<br> \* Occupancy concerns - xx "The subject was approved as a second home. Tape shows the occupancy misrepresentation. Further details not provided." | \* ComplianceEase Exceptions Test Failed xx "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" xx&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Qualified mortgage lending policy points and fees test due to Fees charged xx xx<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: xx<br> \* ComplianceEase TILA Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "Finance charge disclosed on final TIL as xx. Calculated finance charge is xx for an under disclosed amount of xxx."<br> \* GSE Points and Fees Test Violations xx)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are not failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Intent to Proceed Missing xx "The borrower's intent to proceed is missing from the loan documents." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 55339345 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1564.68 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1979.09 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 687 | Not Applicable | 32.756% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes foxx have been paid in the total amount of xx on xx/xx/2024 and xx/xx/2025, respectively.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for default.<br> Unable to determine owner occupancy.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> xx. BWR has prior employment experience xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase TILA Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final TIL is xx. Calculated finance charge is xx for an under disclosed amount of xx<br> \* GSE Points and Fees Test Violations xx "Loan fails GSE xx QM points and fees test due to fees charged xx exceeds fees threshold of xx Over by xx<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) xx<br> Points - Loan Discount Fee paid by Borrower: xx<br> Underwriting Fee paid by Borrower: xx<br> \* Missing Required Disclosures xx&nbsp;&nbsp;&nbsp;&nbsp; "Your home loan toolkit / acknowledgment / disclosure tracking is missing in the loan file." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 7441384 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | No | Not Applicable | First |  | $0.00 | $14523.32 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2883.51 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 51.673% | 51.673% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 726 | Not Applicable | 46.103% | First | Final policy | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 xx<br> There is a junior mortgage active against the subject property in favor of xx originated on xx/xx/2021 recorded on xx/xx/2021 in the amount of xx <br> The 1st installment of county taxes for xx has been paid in the amount of xx on xx/xx/2025.<br> The 2nd installment of county taxes for xx is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay xx&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at xx. Tape shows bonus income miscalculation. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2020, and xx. xx<br> \* Compliance Testing xx&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date."<br> \* ComplianceEase Exceptions Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges in total cannot increase more than xx tolerance test. LE dated xx/xx/2020 reflects the sum of Section C fees and recording fees at xx. CD dated xx/xx/2020 reflects the sum of Section C and the recording fee at xx This is a cumulative increase of xx for charges that in total cannot increase more thanxx in the test. COC for the increase in fee is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds xx "Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx as the borrower's income is xx and total expenses are in the amount of xx, and the loan was underwritten by xx, and its recommendation is "Approve/Eligible" with a DTI of xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 36543890 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12286.38 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3232.05 | 4.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 90.000% | 90.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 700 | 703 | 39.085% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2017 and recorded on xx/xx/2017 xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xx has been paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx and the interest rate is xx. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows subject loan approved at xx DTI, exceeding the qualifying DTI of xx. Further details not provided. Xx | \* Missing or error on the Rate Lock Document xx&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 18850564 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kentucky | xx | xx | xx | Ohio | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1171.11 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $291.88 | 4.250% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 819 | Not Applicable | 47.582% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2019 and recorded on xx/xx/2020 xx<br> There are xx liens against the subject property xx which were recorded on different dates in the total amount of xx<br> The annual installment of combined taxes for 2024 has been paid in the amount of xxon xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay xx&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at xx. Tape shows the lender did not obtain signed and dated tax transcripts xx. Further details not provided. Lender defect. The subject originated on xx/xx/2019, xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 25706119 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4206.17 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1372.67 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 701 | 712 | 38.022% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xx has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the comment dated xx/xx/2024, the subject property is located xx. CCs do not show damages.<br> As per the seller's tape, the subject property is an investment.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay xx "The subject loan is xx and was approved at xx The tape shows an increased DTI of xx Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, xx. xx. Review shows ATR confirmed." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 92924970 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4031.50 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1290.12 | 6.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | Unavailable | Unavailable | Unavailable | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 09/01/2024 | $283240.63 | $84972.19 | 4.875% | $939.69 | 09/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2008 and recorded on xx/xx/2008 xx<br> There is an active xx against the subject property xx which was recorded on xx/xx/2023.<br> The first, second, third, and fourth installments of county taxes for xx have been paid in the total amount of xx on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx, and the deferred balance is xx. There is a deferred balance in the amount of xx, xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx, and the deferred balance is xx <br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The modification agreement was made between the borrowers,x, and the lender, x/x/2004<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and the lender xx, on xx/xx/2024. As per the modified term, the new principal balance is xx The monthly P&I is xx with an interest rate of xx beginning on xx/xx/2024 and a maturity date of xx/xx/2054. There is a deferred balance in the amount of xx | Credit Report<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance<br> Origination Appraisal<br> Right of Rescission | xx | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance xx&nbsp;&nbsp;&nbsp;&nbsp; "This loan is from the MA which has unlimited assignee liability for state high cost and we are unable to test compliance due to missing HUD. Tape shows the same." | \* Compliance Testing xx "The tape and file show the final HUD-1 is missing from the loan documents."<br> \* HUD-1 Closing Statement missing or unsigned xx&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents."<br> \* MI, FHA or MIC missing and required xx)&nbsp;&nbsp;&nbsp;&nbsp; "FHA Mortgage insurance certificate is missing from loan documents." | \* Final TIL Missing or Not Executed xx)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows xx)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by borrower is missing from the loan documents."<br> \* Missing Appraisal xx "Appraisal report is missing from the loan documents. Redfin search shows an estimated value of xx and current UPB is xx<br> \* Missing credit report xx "Credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document xx "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted xx)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 34983504 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3197.76 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1784.97 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | No | Not Applicable | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 633 | 629 | 50.160% | First | Final policy | Not Applicable | Not Applicable | 01/01/2022 | $213600.06 | Not Applicable | 3.000% | $764.65 | 01/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2008 and recorded on xx/xx/2008 at xx<br> There is an active junior mortgage against the subject property originated on xx/xx/2025 and recorded on xx/xx/2025 xx<br> The annual combined taxes for xx have been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> The loan was modified on xx/xx/2022.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers,xx , and the lender, xx, not in its individual capacity but solely as owner xx on xx/xx/2022. As per the modified term, the new principal balance is xx. The monthly P&I is xx with an interest rate of xx beginning on xx/xx/2022 and a maturity date of xx/xx/2061. There is no deferred balance and principal forgiven amount. | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no issue or defect for the subject loan."<br> \* MI, FHA or MIC missing and required xx&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage insurance certificate is missing from the loan documents."<br> \* Not all borrowers signed HUD xx&nbsp;&nbsp;&nbsp;&nbsp; "Final HUD-1 is not hand signed by borrower." | \* ComplianceEase State Regulations Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing, and do not in fact result in, a bona fide reduction of the interest rate."<br> \* GSE Points and Fees Test Violations xx&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the Rate Lock Document xx "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 29108645 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $842.00 | 05/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $950.55 | 2.875% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 69.425% | 69.425% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 745 | Not Applicable | 34.576% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 xx<br>No active judgments or liens have been found.<br>The annual installment of combined taxes for 2025 is due in the amount of xx on xx/xx/2025.<br>No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br>According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br>As per the comment dated xx/xx/2025, the subject property was damaged by water. Unable to determine estimated cost of repair. As per the collection comment dated xx/xx/2025, the borrower received a claim check in the amount of xx. No comments have been found regarding damage repaired. Unable to determine the occupancy of the subject property.<br>The loan has not been modified since origination.<br>No foreclosure activity has been found.<br>No post-close bankruptcy record has been found.<br>xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing xx&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows TRID exception SOL expired. Further details not provided. Infinity CE report did not fail TRID test." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 30942786 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | Second |  | $10712.88 | $21425.76 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5223.82 | 4.625% | 348 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 45.455% | 45.455% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 744 | 747 | 42.717% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 xx<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 xx<br> xx<br> The second installment of county taxes for xx has been delinquent in the amount of xx, which is good through xx/xx/2025.<br> The first installments of county taxes for xx have been paid in the amount of xx on xx/xx/2025.<br> xx<br> The first and second installments of county taxes for xx have been paid in the total amount of xx on xx/xx/2025 and xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> As per the seller's tape data, the subject property is owner-occupied.<br> Unable to determine RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay xx)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at xx. The tape shows xx of tax returns, and tax transcripts are missing from the loan documents. The revised DTI is xx . Lender defect. The subject loan originated on xx/xx/2022, and xx. xx<br> \* ComplianceEase Exceptions Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount.This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed xx "TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated 0xx/xx/2022. The initial LE dated xx/xx/2022 reflects a credit report fee of xx. The final CD dated 0xx/xx/2022 reflects a credit report fee of xx. This is a fee increase of xx for the xx tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents.<br>Loan failed charges than in total cannot increase more than xx tolerance test.LE dated xx/xx/2022 reflects the sum of Section C fees and Abstract fee at xx,Lenders title insurance policy at xx,Title updates at xx. CD dated 0xx/xx/2022 reflects the sum of Section C and Recording fee at xx. This is a cumulative increase of xx,Lenders title insurance at xx. This is a cumulative increase of xx,Title updates at xx This is a cumulative increase of xx for charges that in total cannot increase more than xx test. COC for increase in fee is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 57370727 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $17289.19 | $20997.15 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $9634.99 | 8.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 75.000% | 75.000% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 xx<br> There is one notice of special tax lien against the subject property xx, which was recorded on xx/xx/2025. The lien amount not provided on document.<br> The first and second installments of county taxes for xx have been paid in the total amount of xx on xx/xx/2024 and xx/xx/2025.<br> The first and second installments of county taxes for xx are delinquent in the total amount of xx , which is good through xx/xx/2025. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR does not have any employment history.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Loan Program Info Disclosure | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of loan show subject loan is xx- No Ratio and TRID SOL has expired. Further details are not provided." | \* ComplianceEase Exceptions Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx/xx/2023. Initial LE dated xx/xx/2023 reflects Mortgage Broker Fee & Sub-Escrow Fee at xx. Final CD dated xx/xx/2023 reflects Mortgage Broker Fee & Sub-Escrow Fee at xx This is fee increase of xx tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is purchase case, originated on xx/xx/2023 xx<br> \* Loan program disclosure missing or unexecuted xx&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan document."<br> \* Missing credit report xx&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from the loan file." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 20938482 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4610.42 | 06/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3786.38 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 812 | Not Applicable | 51.874% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual installments of combined taxes for xx have been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx&nbsp;&nbsp;&nbsp;&nbsp; "The seller's tape data shows no issue, and the defect is satisfied. Further details not provided." |  |  | Minimal | Not Covered | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 82506197 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3294.84 | 8.062% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 765 | Not Applicable | 49.935% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 xx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for xx have been paid in the total amount of xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the occupancy of the subject property.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay xx)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at xx. The tape shows an increase in DTI of xx. Lender defect. Further details not provided. The subject loan originated on xx/xx/2024, and xx. xx |  | \* ComplianceEase Risk Indicator is "Elevated" xx "The loan failed the qualified mortgage safe harbor threshold test due to the calculated APR of xx exceeds APR threshold of xx over by xx. The subject loan is escrowed." |  | Elevated | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 43569883 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8300.35 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2277.59 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 50.984% | 50.984% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 701 | 722 | 19.250% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2019 and recorded on xx/xx/2019 xx<br>There is a junior mortgage against the subject property xx which was recorded on xx/xx/2019 xx<br> There is a judgment against the borrower xx, which was recorded on xx/xx/2019.<br>The annual school and combined taxes for xx have been paid for a total of xx, which were due on xx/xx/2024 and xx/xx/2025.<br>No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br>According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br>The loan has not been modified since origination.<br>As per comment dated xx/xx/2025, the RFD is excessive obligations.<br>No foreclosure activity found in the loan file.<br> No bankruptcy-related information found in the loan file.<br> No details pertaining to the damage to the subject property have been observed.<br> xx.<br> xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay xx&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at xx. Tape shows insufficient assets. Bank statement in the file shows xx does not satisfy cash-to-close requirement of xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/2019,xx. xx<br> \* ComplianceEase Exceptions Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed the reimbursement amount validation test and the consummation or reimbursement date validation test.<br>Compliance failing for state regulations PA License Validation Test. In the state of PA, the lender is licensed xx. xx"<br> \* ComplianceEase TRID Tolerance Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed to meet the 0% tolerance test due to certain charges. The loan estimate dated xx/xx/2018 does not reflect the appraisal fee and processing fee. Due to CD dated xx/xx/2019, the appraisal fee and processing fee are xx. This is an increase in fees of xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance originated on xx/xx/2019, xx<br> \* Right of Rescission missing or unexecuted xx "ROR is missing from the loan file." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 64478869 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | West Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $906.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3200.24 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 794 | 815 | 48.199% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 xx<br> No active judgments or liens have been found.<br> The annual county taxes for xx were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is xx.<br> Unable to determine the occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 receives retirement and trust income.<br> BWR2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed state regulations for the brokerage/finder fee test due to fees charged xx exceed fees threshold of xx over by xx<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: xx<br> Underwriting Fee paid by Borrower: xx" | \* ComplianceEase Exceptions Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate"xx)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed qualified mortgage safe harbor threshold test due to APR calculated xx exceeds APR threshold of xx over by xx. Subject loan is escrowed."<br> \* ComplianceEase TRID Tolerance Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase xx tolerance test. Loan estimate dated xx/xx/2024 reflects appraisal fee at xx. Final CD dated xx/xx/2024 reflects appraisal fee at xx. This is an increase in fee of xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and xx." |  | Moderate | Not Covered | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 96947215 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2083.00 | 06/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2983.70 | 7.812% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 805 | 776 | 30.680% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with xx<br> No active judgments or liens were found.<br> The annual installment of county taxes for xx has been paid in the amount of xx on xx/xx/2024.<br> The annual installment of city taxes for xx has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx, which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed state regulations for brokerage/finder fee test due to fees charged xx exceed fees threshold of xx over by xx <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower:xx<br> Processing Fee paid by Borrower: xx<br> Underwriting Fee paid by Borrower: xx." |  |  | Moderate | Not Covered | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 33324399 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $12756.27 | 8.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 670 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for default. <br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No modification activity has been found.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan was approved under the no-ratio loan program.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx "Tape shows the subject was approved under the no-ratio loan program, and the TRID SOL has expired. Further details not provided." | \* ComplianceEase Exceptions Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount and Consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" xx)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date."<br> \* ComplianceEase TRID Tolerance Test Failed xx "Loan failed charges that cannot increase xx tolerance test. Initial LE dated xx/xx/2023 reflects Points - Loan Discount Fee at xx. Final CD dated xx/xx/2023 reflects Points - Loan Discount Fee at xx. This is an increase in fee of xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2023 and xx" |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 66771078 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6749.76 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2024.80 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 78.559% | 78.559% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 799 | 797 | 44.491% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with xx<br> No active judgments or liens found.<br> The annual installment of county taxes for 2024 has been paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PI), which was applied for the due date of xx/xx/2025. The current interest only payment is xx with an interest rate of xx. The current UPB reflected as per the payment history tape data is xx<br> As per collection comment dated xx/xx/2025, the payments received xx are borrower payments. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2025, the subject property needs repairs, and the loss draft fund was received in the amount of xx on xx/xx/2025. The cost of repair is not available. No comments have been found regarding repair completion.<br> As per the tape data, the subject property is owner-occupied.<br> xx<br> BWR2 receives VA benefits and social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) xx "Appraisal report shows the subject property is pending as per plan and specification. The estimated cost of completion of work is xx and the final CD reflects the escrow holdback in the amount of xx The xx completion report confirming the completion of work is missing from the loan documents. xx search shows an estimated value of xx. Current UPB is xx<br> \* Loan has escrow holdback. No proof it was released xx)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD dated xx/xx/2021 reflects an escrow holdback in the amount of xx. Proof for the release of the escrow holdback is missing from the loan documents." |  | \* ATR - Unable to determine borrower's Ability To Repay xx&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at xx. Tape shows BWR did not sign the PL statement. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021 and the xx xx. BWR2 receives VA benefits and social security income,xx<br> \* ComplianceEase TILA Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID total of payment disclosed on final CD as xx. Calculated total of payments is xx for an under disclosed amount of xx. The disclosed total of payments of xx is not considered accurate because it is understated by more than xx. Subject loan is a refinance case, originated on xx/xx/2021 xx<br> \* First Payment Date more than 2 Months after Settlement Date xx)&nbsp;&nbsp;&nbsp;&nbsp; "First payment date more than xx after settlement date."<br> \* Missing or error on the Rate Lock Document xx "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $18305.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 15117448 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2262.01 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 682 | 782 | 35.788% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 in the amount of xx<br> There is a junior mortgage against the subject property in the amount of xx which was recorded on xx/xx/2025 xx<br> The taxes information is not given. | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller tape, the property is owner occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> xx<br> xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a P&I of xx, a rate of interest of xx, and a maturity date of xx/xx/2052. The P&I as per payment history tape data is xx. As per the seller's tape data, the loan has been modified on xx/xx/2022. The modification agreement is missing from the loan file. | Affiliated Business Disclosure<br> Hazard Insurance<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay xx&nbsp;&nbsp;&nbsp;&nbsp; "Subject was approved at xx. Tape shows the lender did not verify income and employment status using reliable third-party records. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, xx. xx<br> \* ComplianceEase Exceptions Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>Compliance failing for state regulations PA License Validation Test. In the state of PA, xx<br> \* ComplianceEase TRID Tolerance Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase xx tolerance test. The loan estimate dated xx/xx/2021 reflects an appraisal fee at xx & a credit report fee at xx. The final CD dated xx/xx/2021 reflects an appraisal fee at xx & a credit report fee at xx. This is an increase in fee of xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents."<br> \* Missing proof of hazard insurance xx)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance certificate is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted xx&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted xx)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 2841102 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $1150.39 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2153.47 | 4.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 88.434% | 88.434% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 784 | 773 | 30.969% | First | Final policy | Not Applicable | Not Applicable | 10/01/2018 | Unavailable | Not Applicable | Unavailable | Unavailable | 10/01/2018 | Extend Term | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2017 and recorded on xx/xx/2017 with xx<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/2017 and recorded on xx/xx/2017 in the amount of xx <br> The annual installment of combined taxes for xx is due in the amount of xx on xx/xx/2025.<br> The annual installment of combined taxes for xx has been partially paid in the amount of xx on xx/xx/2025.<br> The annual installment of combined taxes for xx has been paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the tape data is xx<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape data, the loan was modified on xx/xx/2018.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner occupied.<br> BWR1 and BWR2 receive pension income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | As per the extension/modification agreement located at xx, the first payment of the P&I due under the note is extended from xx/xx/2018 to xx/xx/2018, and the construction completion date is extended from xx/xx/2018 to xx/xx/2018. The new maturity date is extended from xx/xx/2048 to xx/xx/2048. | Missing Initial Closing Disclosure | xx | 3: Curable |  | \* Compliance Testing xx&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows a TRID exception with an expired SOL. Further details not provided. Infinity compliance report shows the loan did perform the TRID test as the initial CD is missing from the loan documents." | \* ComplianceEase TILA Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "CE risk indicator is moderate as the loan is failing TILA APR Test due to APR calculated xx exceeds APR threshold of xx over by xx<br> \* ComplianceEase TRID Tolerance Test is Incomplete xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a refinance, originated on xx/xx/2017, xx<br> \* Missing Initial Closing Disclosure xx&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD is missing from the loan file." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 96471325 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1792.71 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 61.439% | 61.439% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 798 | 790 | 33.242% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with xx<br> There is an active junior mortgage against the subject property originated on xx/xx/2023 and recorded on xx/xx/2024 xx<br> There is one prior credit card judgment and one prior child support lien against the borrower xx which were recorded on xx/xx/2017 and xx/xx/2020 in the total amount of xx<br> The 1st and 2nd installments of combined taxes for xx have been paid in the amount of xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> As per the seller's tape data, the loan was modified on xx/xx/2021.<br> No details pertaining to the damage to the subject property have been observed.<br> xx<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The subject is a conventional fixed-rate mortgage originated on xx/xx/2021 with a P&I of xx, a rate of interest of xx, and a maturity date of xx/xx/2051. The P&I, as per payment history, is xx, and the rate of interest is xx. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan was modified. The modification agreement is missing from the loan file. | Appraisal (Incomplete)<br> Hazard Insurance<br> Initial Escrow Acct Disclosure | xx | 3: Curable |  |  | \* ComplianceEase Risk Indicator is "Elevated" xx&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed complianceEase delivery and timing test for initial CD dated xx/xx/2021. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2021, which is less than three business days before the consummation date of xx/xx/2021."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows xx&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing xx&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing proof of hazard insurance xx)&nbsp;&nbsp;&nbsp;&nbsp; "The hazard insurance certificate is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 88685070 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2846.68 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1735.33 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 794 | Not Applicable | 34.201% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 xx<br> No active judgments or liens found.<br> The 1st and 2nd installments of county taxes for xx have been paid in the total amount of xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current interest P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> Unable to determine the reason for default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay xx&nbsp;&nbsp;&nbsp;&nbsp; "The subject approved at xx. Tape shows debt miscalculation. Revised DTI is xx. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2022, xx. Xx |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 3138367 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $10.00 | $936.81 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2382.07 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 676 | 747 | 48.185% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 xx<br> There is an active junior mortgage against the subject property xx which originated on xx/xx/2024 and was recorded on xx/xx/2024 xx<br> The 1st, 2nd, 3rd, and 4th installments of town taxes for xx were paid, and the 4th installment is partially paid in the total amount of xx on different dates.<br> The 4th installment of town taxes for xx is delinquent in the total amount of xx, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx<br>| Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> xx<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated"xx&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails compliance delivery and timing test for CD dated xx/xx/2024. The document tracker is missing and xx business days were added to get the receipt date of xx/xx/2024, which is after the consummation date of xx/xx/2024."<br> \* Loan does not conform to program guidelines xx&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan program does not allow BWR's to own more than xx properties xx and the subject property is xx from the retained property. Further details not provided." | \* Higher Price Mortgage Loan xx&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test xx) due to an APR calculated at xx exceeds APR threshold of xx over by xx. The subject loan is escrowed. This loan is compliant with regulation xx. <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated xx exceeds APR threshold of xx over by xx"<br> \* Missing proof of hazard insurance xx "Evidence of hazard insurance is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 97094098 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4262.82 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2437.60 | 7.130% | 480 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 99.838% | 99.838% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xx has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx and the deferred balance is xx | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the loan was modified on xx/xx/2021.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The conventional ARM mortgage originated on xx/xx/2007 with a P&I of xx, a rate of interest of xx, and a maturity date of xx/xx/2047. The P&I as per payment history tape data is xx and the rate of interest is xx. The current UPB is reflected on tape in the amount of xx. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan has been modified. The modification agreement is missing from the loan file. | Final Truth in Lending Discl.<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows xx vs. arrears discrepancy. Further details not provided." | \* ComplianceEase TILA Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA APR test as the final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed xx "The final TIL is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document xx&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 53475663 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4305.20 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1432.96 | 3.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 631 | Not Applicable | 42.709% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 xx<br> There is a junior mortgage against the borrower xx, which was recorded on xx/xx/2024 in the amount of xx.<br> The annual 1st and 2nd installments of county taxes for xx have been paid in the total amount of xx on different dates.<br> The annual 1st installment of county taxes for xx is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> Unable to determine the reason for the default. <br> As per the tape, the occupancy of the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows mortgage insurance certificate and mortgage insurance evidence are missing. Further details not provided." | \* ComplianceEase Exceptions Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed the reimbursement amount validation test and the consummation or reimbursement date validation test."<br> \* ComplianceEase TRID Tolerance Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "Loan failure charges that cannot increase the xx tolerance test. The loan estimate dated xx/xx/2021 does not reflect the loan origination fee. The CD dated xx/xx/2021 reflects a loan origination fee of xx. This is an increase in fees of xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx/xx/2021 and xx<br> \* Higher Price Mortgage Loan xx)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test due to an APR calculated at xx, exceeding the APR threshold of xx. It is overcharged by xx The subject loan is escrowed. This loan is compliant with regulation xx<br> \* MI, FHA or MIC missing and required xx&nbsp;&nbsp;&nbsp;&nbsp; "This loan is FHA. The MI certificate is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted xx)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of servicing transfer disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 71513519 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7371.94 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5542.00 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 768 | Not Applicable | 49.367% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xx have been paid in the total amount of xx on xx/xx/2024 & xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan has no issues or defects. Further details not provided." | \* ComplianceEase TILA Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of xx" |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 85717515 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2188.84 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1694.86 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 78.553% | 78.553% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 40.534% | First | Final policy | Not Applicable | Not Applicable | 01/14/2022 | $299769.43 | $40449.43 | 3.000% | $928.33 | 01/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2008 and recorded on xx/xx/2008 xx<br> There are six civil judgments against the borrower in favor of different plaintiff, in the total amount of xx, which were recorded on different dates.<br> The annual installment of county taxes for xx has been paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xxwith an interest rate of xx. The current UPB reflected as per the payment history is xx. The deferred balance is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape data, the subject loan was modified on xx/xx/2022.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made on xx/xx/2022 between the borrower,xx", and the lender, "xx. The borrower promises to make a monthly payment of xx with the rate of interest at xx, beginning from xx/xx/2022 till the maturity date of xx/xx/2061. The new principal balance stated in the modification is in the amount of xx. The lender deferred the principal balance in the amount of xx The interest-bearing amount is xx. | Credit Report<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no issue, and the defect is satisfied. Further details not found." | \* Missing credit report xx&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document xx "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 50563811 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1889.00 | 3.990% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 84.435% | 84.435% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 691 | Not Applicable | 38.489% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2014 and recorded on xx/xx/2014 xx No active judgments or liens have been found. The annual installment of combined taxes for 2024 has been paid in the amount of xx on xx/xx/2025. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx | Collections Comments:The current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. As per the servicing comment dated xx/xx/2024, the reason for default is excessive obligation. No foreclosure activity has been found. No post-close bankruptcy record has been found. As per tape data, the subject property is owner-occupied. No details pertaining to the damage to the subject property have been observed.xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The subject is a conventional ARM-rate mortgage originated on xx/xx/2014 with a P&I of xx, a rate of interest of xx, and a maturity date of xx/xx/2045. The P&I, as per payment history, is xx, and the rate of interest is xx. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan has been modified. The modification agreement is missing from the loan file. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing xx "The tape shows a TRID exception with an expired SOL, and the subject loan is a QM loan originated on xx/xx/2014." | \* Missing or error on the Rate Lock Document xx)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 18707034 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2862.72 | 2.250% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 65.913% | 65.913% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 804 | Not Applicable | 27.982% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 xx<br> No active judgments or liens have been found. <br> The annual installment of combined taxes for xx has been paid in the amount of xx on xx/xx/2024. <br> The annual installment of utilities/MUD charges for xx was paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay xx)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved at xx. Tape and file show missing W2 and VOE. Lender defect. Subject originated xx<br> \* ComplianceEase Exceptions Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed xx)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects Trust Review Fee [Custom Fee] at xx. Final CD dated xx/xx/2021 reflects Trust Review Fee [Custom Fee] at xx. This is fee increase of xx forxx tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is purchase case, originated on xx/xx/2021 and the xx |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 12947718 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1548.90 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 768 | Not Applicable | 31.377% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 xx<br> No active judgments or liens have been found.<br> The annual installment of water/sewer charges for xx has been delinquent in the total amount of xx , which is good through xx/xx/2025.<br> The 1st and 2nd installments of county taxes for xx have been paid in the total amount of xx on xx/xx/2024 and xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount ofxx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. Unable to determine RFD.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found. xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure | xx | 3: Curable |  | \* Compliance Testing xx)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increasexx and xx tolerance test." | \* ComplianceEase Exceptions Test Failed&nbsp;&nbsp;&nbsp;&nbsp; xx "This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test."<br> \* ComplianceEase TRID Tolerance Test Failed xx&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect points-loan discount fee at xx and transfer taxes at xx. CD dated xx/xx/2022, the points-loan discount fee-are at xx, and the transfer taxes are at xx. This is an increase in fees of xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/2022, and the SOL has expired."<br> \* Required Affiliated Business Disclosure missing/unexecuted xx "Affiliated business disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 36317596 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $6381.40 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2247.84 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 58.462% | 58.462% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 657 | Not Applicable | 62.197% | First | Final policy | Not Applicable | Not Applicable | 01/01/2017 | $353722.74 | Not Applicable | 2.000% | $1071.16 | 01/01/2017 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2008 xx<br> There is a state tax lien against the borrower xx, which was recorded on xx/xx/2016 in the amount ofxx. The xx is not mentioned on the supportive document.<br> The annual county taxes forxx were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2017.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrower, xx, and the lender, xx., with an effective date of xx/xx/2017, and the new modified unpaid principal balance is xx. The modified monthly P&I of xx with an interest rate of xx starting on xx/xx/2017, which will be changed in xx steps until the new maturity date of xx/xx/2056. The rate will change in xx steps, which end with xx. There is no deferred balance and principal forgiven amount. The loan has been modified xx time since origination. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan has no issues or defects. Further details not provided." | \* Missing or error on the Rate Lock Document xx&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 71727756 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3410.79 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1917.21 | 6.125% | 480 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 64.085% | First | Short Form Policy | Not Applicable | Not Applicable | 07/20/2018 | $316961.73 | $94782.05 | 3.500% | $860.70 | 09/01/2018 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2008 and recorded on xx/xx/2008 xx<br> There are 2 HOA liens against the subject propertyxx The first was recorded on xx/xx/2014 in the amount of xx and the second in the amount of xx which was recorded on xx/xx/2018.<br> There is a municipal lien against the subject property in the amount of xx which was recorded on xx/xx/2025 in favor of xx.<br> There is a writ of fieri facias judgment against the borrower in the amount of xx which was recorded on xx/xx/2014xx<br> The annual installment of combined taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount ofxx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx and deferred balance is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> The loan was modified on xx/xx/2018.<br> As per the seller's tape, the property is owner occupied. <br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower xx and the lender xx., on xx/xx/2018. As per the modified term, the new principal balance is xx. The monthly P&I is xx with an interest rate of xx beginning on xx/xx/2018 and a maturity date of xx/xx/2058. There is deferred balance in the amount of xx and interest bearing amount is xx. The loan has been modified twice since origination. | Initial 1003_Application<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx "Tape shows no issue satisfied defect. Further details not provided." | \* MI, FHA or MIC missing and requiredxx "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing Initial 1003_Application xx)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document xx)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 41894805 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2175.40 | 7.250% | 480 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 104.001% | 104.001% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and recorded on xx/xx/2006 xx<br> There are two state tax liens against the borrower xx, which were recorded on xx/xx/2018 and xx/xx/2019 in the total amount of xx<br> The 1st and 2nd installments of county taxes for xx have been paid in the total amount ofxx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower has been delinquent with the loan for xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx, which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. As per tape data, the deferred balance is xx | Collections Comments:The current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower has been delinquent with the loan for xx month, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> Unable to determine the reason for default.<br> No post-close bankruptcy record has been found.<br> The foreclosure was initiated on this loan in xx, and the notice of default and election to sell located at xx was filed on xx/xx/2009. As per the document xx, the notice of default and election to sell has been canceled on xx/xx/2009. The foreclosure case was re-initiated in xx, and notice of the trustee's sale xx xx/xx/2010, and the sale was scheduled for xx/xx/2010. Unable to confirm the outcome of the foreclosure process.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:The foreclosure was initiated on this loan in xx and the notice of default and election to sell xx was filed on xx/xx/2009. As per the document xx, the notice of default and election to sell has been canceled on xx/xx/2009. The foreclosure case was re-initiated in xx, and notice of the trustee's sale xx was filed on xx/xx/2010, and the sale was scheduled for xx/xx/2010. Unable to confirm the outcome of the foreclosure process.<br> Bankruptcy Comments:Not Applicable | The subject is a conventional ARM-rate mortgage originated on xx/xx/2006 with a P&I of xx, a rate of interest of xx, and a maturity date of xx/xx/2046. The P&I, as per payment history, is xx, and the rate of interest is xx There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan was modified on xx/xx/2021. The modification agreement is missing from the loan file. | Initial 1003_Application<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines xx&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows DSI vs. arrears discrepancy. Further details were not provided." | \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 14341499 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7351.21 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1702.41 | 2.750% | 240 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 33.909% | 33.909% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 754 | 772 | 35.794% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xx has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history isxx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> xx.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial 1003_Application<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) xx&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan closed without an appraisal. The PIW signed by the borrower is missing from the loan documents. xx search shows an estimated value of xx. The current UPB is xx" | \* ATR - Unable to determine borrower's Ability To Repay xx)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at xx%. Tape shows the lender did not verify thexx as the xx confirming the income loss are missing. Lender defect. The subject loan was originated on xx/xx/2021, and the xx. xx<br> \* Compliance Testing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails compliance delivery and timing test for the CD dated xx/xx/2021. The document tracker is missing and xx business days were added to get the receipt date of xx/xx/2021, which is after the consummation date of 0xx/xx/2021."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase xx tolerance test. Initial LE dated xx/xx/2020 reflects Points - Loan Discount Fee at xx. Final CD dated 0xx/xx/2021 reflects Points - Loan Discount Fee at xx. This is an increase in fee of xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on 0xx/xx/2021 and xx<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Intent to proceed is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 31600002 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7412.10 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2524.07 | 4.250% | 120 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 24.008% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for xx has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at xx. Tape shows the paystub, and the WVOE is missing from the loan file. Lender defect. The subject loan originated on xx/xx/2023, and xx. xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Qualified mortgage lending policy points and fees test due to Fees charged xxExceeds Fees threshold ofxx Over by xx <br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: xx<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase xx tolerance test. Loan estimate dated xx/xx/2023 reflect Points - Loan Discount Fee at xx. CD dated 0xx/xx/2023 reflects Points - Loan Discount Fee at xx. This is an increase in fee ofxx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged xx. Exceeds Fees threshold of xx Over by xx<br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: xx<br>Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to Fees charged $9,856.00. Exceeds Fees threshold of $7,049.92 Over by +$2,806.08. <br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $9,856.00."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 55578074 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1020.67 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $990.65 | 2.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 34.414% | 34.414% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 746 | Not Applicable | 39.510% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2021 xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for xx have been paid in the total amount of xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security and pension income. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 2: Acceptable with Warnings |  |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan closed with PIW. Zillow search shows an estimated value of xx. Current UPB xx"<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the reimbursement amount validation, and the closing or reimbursement date validation test."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the charges that cannot increase test due to an increase or addition of a charge in the amount of xx and the charges that in total cannot increase more than xx test due to an increase or addition of a charge in the amount of xx. The subject is a refinance transaction originated on xx/xx/2020, xx<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed GSE QM points and fees test due to fees charged of xx exceeds fees threshold ofxx<br> The below fees are included in the test:<br> Mortgage Broker Fee (Indirect) xx<br> Points - Loan Discount Fee paid by Borrower:xx<br>The loan failed QM lending policy points and fees test points and fees test due to fees charged of xx exceeds fees threshold of $6,844.03 by $4,446.77.<br> The below fees are included in the test:<br> Mortgage Broker Fee (Indirect) $6,642.50<br> Points - Loan Discount Fee paid by Borrower: $4,648.30" |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 17295318 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | No | Not Applicable | Other |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $1294.24 | 5.250% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 68.511% | 68.511% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 715 | 687 | 38.832% | First | Final policy | Not Applicable | Not Applicable | 01/01/2022 | $218786.99 | $35486.99 | 3.000% | $656.19 | 01/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2005 and recorded on xx/xx/2005 xx<br> There is a junior mortgage against the subject property that was originated on xx/xx/2022 and recorded on xx/xx/2023 xx<br> There is a civil judgment against the borrower xx recorded on xx/xx/2015.<br> There are xx state tax liens against the borrowerxx recorded on xx/xx/2017, xx/xx/2019, and xx/xx/2019.<br> The tax status is to follow.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xxPITI), which was applied for the due date of xx/xx/2025. The current P&I is xxand the interest rate is xx. The current UPB reflected as per the payment history is xx and the deferred balance isxx | Collections Comments:According to the tape, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx and the deferred balance is xx<br> As per the seller's tape, the subject property is owner occupied.<br> The loan was modified on xx/xx/2022.<br> As per the comment dated xx/xx/2024, there is a payment dispute.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> According to the PACER, the borrower, xx, filed bankruptcy under xx. The BK was dismissed on xx/xx/2015 and terminated on xx/xx/2015.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower, xx on xx/xx/2015. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is xx. The POC was filed by the creditor, xx, with the secured claim amount of xx and the arrearage amount of xx. The Chapter 13 plan was filed on xx/xx/2015. The debtor has promised to pay the trustee the amount of $100.00 per month for 6 months and $1,500.00 per month for 54 months. The Chapter 13 trustee's final report was filed on xx/xx/2015. There is no comment indicating a cramdown. The BK was dismissed on xx/xx/2015 and terminated on xx/xx/2015.<br>| The modification agreement was made between the borrowers, xx," and the lender, xx, on xx/xx/2022. As per the modified term, the new principal balance is xx, with the deferred principal balance of xx and the interest-bearing principal balance of xx. The monthly P&I is xx with an interest rate of xx beginning on xx/xx/2022 and a maturity date of xx/xx/2061. There is no principal forgiven amount. The loan has been modified four times since origination. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no issue, and the defect is satisfied. Further details not found." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 20936028 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | Not Applicable | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2686.97 | 2.875% | 240 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 50.000% | 50.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | No | No | Unavailable | Not Applicable | 23.364% | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 in the amount of xxxx<br> No active judgments or liens were found.<br> The annual installment of county taxes for xx has been exempted.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx%. The current UPB reflected as per the payment history tape data isxx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR receives SSI, or retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Credit Report<br> Notice of Servicing Transfer | xx | 4: Unacceptable | \* Type of Ownership is Leasehold or Cooperative (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The title defect of the UT report dated xx/xx/2025 shows that the property is a unit in a cooperative. The subject loan originated on xx/xx/2022 with a maturity date of xx/xx/2042. As per the lease agreement located at xx, the lease terms started on xx/xx/2022 and will continue until xx/xx/2031." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2022 reflects the sum of Section C fees at xx. CD dated xx/xx/2022 reflects the sum of Section C fee atxx. This is a cumulative increase of xx for charges that in total cannot increase more thanxx test. COC for increase in fee is missing from the loan documents."<br> \* Mortgage Riders incomplete / inaccurate (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage riders are missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents" | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed state regulations interest rate test due to the loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the property is located. Interest rate charged xx exceeds threshold ofxxover by xx<br> ."<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Credit Report is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 60367351 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7033.58 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1082.28 | 2.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 729 | 711 | 48.553% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 xx<br> There is a junior UCC lien against the subject property ixx, which was recorded on xx/xx/2024.<br> The annual installment of county taxes for xxhas been paid in the amount ofxx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate ofxx. The current UPB is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> According to the updated title report dated xx/xx/2025, there are two notices of commencement filed in xx, Florida, against the subject propertyxx for metal and flat re-roof and for replacement of windows and doors, which were recorded on xx/xx/2024 and xx/xx/2024. The amount is not mentioned in the supportive document. The file does not show completion. CCs do not show damages.<br> The loan has not been modified.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property is owner occupied.<br> xx<br> xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the loan file show the mortgage insurance certificate and mortgage insurance evidence are missing. Further details are not provided." | \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is FHA. MI certificate is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 97239580 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4000.28 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $1239.00 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 90.000% | 90.000% | Full Documentation | No | Not Applicable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 65.386% | First | Short Form Policy | Not Applicable | Not Applicable | 02/07/2018 | $199918.46 | $26505.65 | 3.875% | $711.34 | 03/01/2018 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 xx<br> There is a writ of xx(civil judgment) against the borrower in favor of x for the amount of xxrecorded on xx/xx/2009.<br> There is a UCC lien against the borrowerxx recorded on xx/xx/2022. The UCC amount is not provided.<br> The annual installment of county taxes for 2024 has been paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx and the interest rate is xx. The current UPB reflected as per the payment history is xx and the deferred balance is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history isxxand the deferred balance is xx.<br> As per the seller's tape, the subject property is owner occupied. <br> The loan was modified on xx/xx/2018.<br> As per the comment dated xx/xx/2025, the subject property was damaged due to water on xx/xx/2025. The check was received in the amount of xxNo details have been found regarding the completion of repairs.<br> No foreclosure activity has been found.<br> According to the PACER, the borrowers, xx, filed bankruptcy underxxon xx/xx/2015. The BK was discharged on xx/xx/2020 and terminated on xx/xx/2020.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrowers, xx, filed bankruptcy under xxon xx/xx/2015. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is xxThe POC was filed by the creditor, xx, on xx/xx/2016, with the secured claim amount of xx and the arrearage amount ofxx. The amended POC was filed by the creditor, xx on xx/xx/2016, with the secured claim amount ofxx and the arrearage amount of xx. xxn was filed on xx/xx/2015. xx plan was filed on xx/xx/2016, and the plan was confirmed on xx/xx/2016. The debtor has promised to pay the trustee the amount of xx for xx months. Txx was filed on xx/xx/2019. There is no comment indicating a cramdown. The BK was discharged on xx/xx/2020 and terminated on xx/xx/2020. <br> The borrower filed prior bankruptcy on xx/xx/2009, and the BK was discharged on xx/xx/2009, and the case was terminated on xx/xx/2009. | The modification agreement was made between the borrowers, xx and xx," and the lender, XXX, on xx/xx/2018. As per the modified term, the new principal balance is xx, with the deferred principal balance of xx and the interest-bearing principal balance of xx. The monthly P&I is xx with an interest rate of xx beginning on xx/xx/2018 and a maturity date of xx/xx/2058. There is no principal forgiven amount. The loan has been modified twice since origination. | HUD-1 Closing Statement<br> Mortgage Insurance | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "File missing final HUD. CE was tested using the latest itemization in the file."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no issue, and the defect is satisfied. Further details not found." | \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The mortgage insurance certificate is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $32950.71 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 35673386 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3136.97 | 06/05/2025 | Unavailable | Unavailable | Modification/Short Sale Pending | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1522.34 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 64.227% | 64.227% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 538 | Not Applicable | 47.880% | First | Short Form Policy | Not Applicable | Not Applicable | 05/01/2017 | $219532.51 | $64055.00 | 2.000% | $470.83 | 05/01/2017 | Change of Terms | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2005 and recorded on xx/xx/2006xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024/2025 has been paid in the amount ofxx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate ofxx. The current UPB reflected as per the payment history is xx and deferred balance is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape data, the loan was modified on xx/xx/2017.<br> As per tape data, the subject property is owner-occupied.<br> The foreclosure was initiated in 2022. As per the UT report dated xx/xx/2025, lis pendens was filed on xx/xx/2022. Further details are not available.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:The foreclosure was initiated in 2022. As per the UT report dated xx/xx/2025, lis pendens was filed on xx/xx/2022. Further details are not available.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx, and the lender, Loan Servicer for XXX, on xx/xx/2017. As per the modified term, the new principal balance is xx The monthly P&I is xx with an interest rate of xx beginning on xx/xx/2017 and a maturity date of xx/xx/2057. The deferred balance is xx, and there is no principal forgiven amount. The loan has been modified once since origination. |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no issue, and the defect is satisfied. Further details not found." |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 72456269 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6506.59 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $907.18 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 714 | Not Applicable | 44.750% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 xx<br> No active judgments or liens have been found. <br> The annual installment of county taxes forxx has been paid in the amount of xxon xx/xx/2025. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate of xx%. The current UPB reflected as per the payment history isxx | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB isxx. <br> As per the tape data, the subject property occupancy is owner-occupied. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 45%. Tape shows increased DTI of 54.15%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has been SE for 4.6 years at Baldwin Real Estate, FICO 714, 0X30 in the last 24 months, and $40K equity in the subject."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as xx. Calculated finance charge is xx for an under disclosed amount of -$230.00."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Your home loan toolkit disclosure tracking is missing in the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 2204392 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2257.79 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $891.11 | 3.500% | 300 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 71.200% | 71.200% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 724 | 716 | 48.848% | First | Final policy | Not Applicable | Not Applicable | 04/01/2023 | $179469.39 | Not Applicable | 3.500% | $695.25 | 04/01/2023 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 xx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for xx have been paid in the total amount ofxx on different dates.<br> The 1st installment of county taxes for xxis due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history isxx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> According to the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the reason for the default.<br> The loan was modified on xx/xx/2023.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx, and the lenderxx., on xx/xx/2023. As per the modified term, the new principal balance is xx. The monthly P&I isxx with an interest rate ofxx beginning on xx/xx/2023 and a maturity date of xx/xx/2063. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase 0% tolerance test."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect relock at market rate [Custom Fee] atxx Lender's title Insurance Policy at xx, and Title-Closing/Escrow [Custom Fee] at xx. Due to CD dated xx/xx/2021, it reflects a relock at market rate [custom fee] at xx a lender's title insurance policy at xx, and title closing/escrow [custom fee] at xx0. This is an increase in fee of xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance originated on xx/xx/2021, and the SOL has expired." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 29834616 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4818.11 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $946.02 | 4.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 73.600% | 73.600% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 808 | Not Applicable | 22.580% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2019 and recorded on xx/xx/2019 xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for xx has been paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate of xx. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at xx. Tape shows revised DTI of xx, which exceeds loan program guideline limit of xx, and supporting documents for other income ofxxused for qualification are missing. Further details not provided. Lender defect. The subject originated on xx/xx/2019, andxx. BWR has been a property assistant for xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TRID Rate Lock Disclosure Delivery Date Test xx. A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate-dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/2018."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increasexx tolerance test. The loan estimate dated xx/xx/2019 reflects a point-processing fee of xx and an appraisal fee of xx. CD dated xx/xx/2019 reflects a point-processing fee at xx and an appraisal fee at xx. This is an increase in fees of xx for charges that cannot increase." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 76353748 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $9100.68 | xx | xx | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1358.58 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | No | Not Applicable | Unavailable | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 654 | Not Applicable | 42.560% | First | Final policy | Not Applicable | Not Applicable | 08/01/2010 | $246824.08 | $33800.00 | 4.625% | $930.70 | 08/01/2010 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2005 and recorded on xx/xx/2005 xx<br> No active judgments or liens found.<br> The 3rd installment of town taxes for xx is due in the amount of xx on xx/xx/2025.<br> The 1st and 2nd installments of town taxes forxxhave been paid in the total amount of xx on xx/xx/2025.<br> The annual utilities charges for xxare due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current interest P&I isxx with an interest rate of xx The current UPB reflected as per the payment history tape data isxx, and the deferred amount is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx<br> The loan was modified on xx/xx/2010.<br> The foreclosure was initiated on the loan in xx, and the notice of lis pendens was filed on xx/xx/2008 with thexx. As per the discharge of lis pendens document, the lis pendency has been cancelled on xx/xx/2010. Again, the foreclosure case was resumed, and the notice of lis pendens was filed on xx/xx/2010 with the docket number XXX. As per the discharge of lis pendens document, the lis pendency has been cancelled on xx/xx/2010. Further details not provided.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> Foreclosure Comments:The foreclosure was initiated on the loan in xx and the notice of lis pendens,xx, was filed on xx/xx/2008 with xx. As per the discharge of lis pendensxx, the lis pendency has been cancelled on xx/xx/2010. Again, the foreclosure case was resumed, and the notice of lis pendens,xx was filed on xx/xx/2010 xx. No recent sale has been scheduled as per the latest comment. As per the discharge of lis pendens xx, the lis pendency has been cancelled on xx/xx/2010. Further details not provided.<br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrower, xx, and the lender, xx, with an effective date of xx/xx/2010, and the new modified unpaid principal balance is xx, out of which xx is the interest-bearing amount and the deferred amount isxxThe modified monthly P&I of xx with an interest rate of xx starting on xx/xx/2010, which will be changed in xx steps until the new maturity date of xx/xx/2050. The rate will change in xx steps, which end withxx. There is no principal forgiven amount. The loan has been modified twice since origination. | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows subject property is in UAL state and missing HUD-1. Further details not provided." | \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT violating predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 79395966 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1041.60 | 2.875% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 68.536% | 68.536% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 679 | Not Applicable | 32.423% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 withxx<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/1998 and recorded on xx/xx/1998 in the amount ofxx .<br> The annual installment of combined taxes forxx has been exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate ofxx%. The current UPB reflected as per the payment history xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives SSI, or VA compensation.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Home Equity Consumer Disclosure is missing from the loan file (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The home equity consumer disclosure is missing from the loan file."<br> \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home equity loan copies of documents are missing from the loan file."<br> \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home equity Loan interest and fees pre-closing disclosure is missing from the loan file." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject approved at xx Tape shows income debt miscalculation. Further details not provided. Lender defect. The revised DTI is xx. The subject loan was originated on xx/xx/2021, and txx. BWR receives SSI, or VA compensation, has a xx, and haxx equity in the subject."<br> \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The home equity loan notice of address for borrower notification of violation is missing from the loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Mortgage Riders incomplete / inaccurate (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage riders are incomplete/inaccurate." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 85759334 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $965.49 | 6.540% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 89.118% | 89.118% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 01/23/2024 | $111632.22 | $10074.27 | 4.000% | $424.45 | 03/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2004 and recorded on xx/xx/2005 xx<br> There is a junior mortgage active against the subject property xx, a corporation originated on xx/xx/2005 and recorded on xx/xx/2005 in the amount of xx<br> There is a junior mortgage active against the subject propertyxx, originated on xx/xx/2022 and recorded on xx/xx/2022 in the amount ofxx<br> There is a junior UCC lien against the subject property in favor of XXXX, recorded on xx/xx/2024.<br> There are xx junior civil judgments active against the subject borrower, xx, recorded on xx/xx/2017 and xx/xx/2018.<br> The taxes are to follow.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I isxxwith an interest rate of xx. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history isxx<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> According to the PACER, the borrower, xx, filed bankruptcy under xxon xx/xx/2014. The BK was dismissed on xx/xx/2014 and terminated on xx/xx/2014.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower, xx, filed bankruptcy underxx on xx/xx/2014. The BK was dismissed on xx/xx/2014 and terminated on xx/xx/2014. | The modification agreement was made between the borrower, xx, and the lender, xx., on xx/xx/2024. As per the modified term, the new principal balance is xx. The monthly P&I is xx with an interest rate ofxxbeginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is a deferred balance in the amount of xx and no principal forgiven amount. The interest-bearing amount is xx The loan has been modified thrice since origination. | Balloon Rider<br> Missing or error on the Rate Lock<br> Right of Rescission | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape defect shows no issue/defect satisfied. No further details have been found." | \* Balloon Rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Balloon rider is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The right of rescission is missing from the loan documents."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The truth in lending is not hand-dated by the borrower." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 72279047 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4645.78 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1935.26 | 3.625% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 87.143% | 87.143% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 814 | 789 | 44.027% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2015 and recorded on xx/xx/2015 xx<br> There is a child support lien xx, which was recorded on xx/xx/2017. The supportive document does not reflect the lien amount. The SSN mentioned on supportive documents is inconsistent with the borrower's SSN.<br> The 1st and 2nd installments of county taxes for 2024/2025 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate of xx. The current UPB reflected as per the payment history isxx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> As per tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Good Faith Estimate<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and file show the AUS recommendation for the subject loan is Refer with a DTI of xx." | \* Good Faith Estimate missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final GFE is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer is missing from loan documents."<br> \* Qualified Mortgage DTI exceeds xx (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx, as the borrower's income isxxand total expenses are in the amount of xx. The loan was underwritten by AUS, and its recommendation is "Referred" with a DTI ofxx." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 91425417 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $481.01 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $502.35 | 4.750% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 74.077% | 74.077% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | Yes | 674 | 722 | 36.043% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2017 and recorded on xx/xx/2017 xx<br> No active judgments or liens found.<br> The annual installment of combined taxes for xx has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan did not fail TRID test."<br> \* Type of Ownership is Leasehold Or Cooperative (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject leasehold agreement is in the file (Located at Lnxx page #13), and the leasehold term expires on xx/xx/2048, and the mortgage matures on xx/xx/2048. Elevated for client review." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. The subject loan is a refinance, originated on xx/xx/2017, and the SOL is expired."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the TILA finance charge test due to calculated finance charge of xx exceeds the disclosed finance charge of xx by xx. Loan failed the TILA APR test due to calculated APR of 4.993% exceeds the disclosed APR of 4.447% by -0.546%."<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 16171239 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1955.88 | 2.250% | 120 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 52.500% | 52.500% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 783 | 732 | 36.317% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021xx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for xxhave been paid in the amount ofxx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history isxx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB is xx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved atxx. Tape shows the calculated investor qualifying DTI ratio of xxexceeds the approved DTI of xx and missing VOE. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021 andxx xx. xx<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 17546819 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $582.05 | $4247.45 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1150.55 | 2.500% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 34.510% | 34.510% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 652 | Not Applicable | 30.257% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument #xx in the amount of xx .<br> No active judgments or liens have been found.<br> The first, second, third, and fourth installments of county taxes foxx have been paid in the amount of $xx on different dates.<br> The annual installment of water/sewer charges is delinquent in the amount of xxwith a shut-off status of active as of xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate ofxx. The current UPB reflected as per the payment history is xx | Collections Comments:BWR has xx months on the job as a VP of BI & data strategy with XXX. <br> xx<br> xx<br>According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history isxx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure | xx | 2: Acceptable with Warnings |  |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB: xx<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved atxx. Tape shows increased DTI ofxx Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and xx xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase xxolerance test. The loan estimate dated xx/xx/2021 reflects points—loan discount fee at xxThe CD dated xx/xx/2021 reflects points—a loan discount fee at xxThis is an increase in fee of +xxfor charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/2021, and xx<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 5363453 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $3427.68 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $888.62 | 5.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 746 | Not Applicable | 45.929% | First | Final policy | Not Applicable | Not Applicable | 04/01/2021 | $161591.87 | Not Applicable | 3.000% | $578.47 | 04/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2018 and recorded on xx/xx/2018 xx<br>There is one active HOA lien against the subject propertyxx., recorded on xx/xx/2022 in the amount of xx<br> There are two active junior UCC financing statements against the borrower in favor of XXXX recorded on xx/xx/2020 and xx/xx/2021.<br> The annual installment of combined taxes for 2024 has been paid in the amount of xxon xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB, reflected as per the payment history, is xx<br> As per collection comment dated xx/xx/2023, the payments received in Dec xx are borrower payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> As per the comment dated xx/xx/2024, the reason for default is unemployment.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. <br> As per servicing comment dated xx/xx/2023, the subject property is occupied by unknown.<br>BWR has 8 months on the job as a xx. BWR had multiple jobs in the pastxx years in the same line of work.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, XXX, and the lender, XXX, on xx/xx/2021. As per the modified term, the new principal balance isxx. The monthly P&I is xx with an interest rate of xx beginning on xx/xx/2021 and a maturity date of xx/xx/2061. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at xx%. The tape and review of the file show the letter of employment gaps and source of the earnest money deposit are missing. Revised DTI is 47.81%. Further details not provided. Lender defect. The subject originated on xx/xx/2018, and the xxxx. Bxx<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed ComplianceEase delivery and timing test for initial CD dated xx/xx/2018. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2018 which is on the consummation date xx/xx/2018."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are not failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds xx (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx, as the borrower's income is xx and total expenses are in the amount of xx and the loan was underwritten by xx) and its recommendation is approve/eligible with a DTI of xx." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 21123716 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2174.64 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1093.64 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 667 | 666 | 48.457% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2019 and recorded on xx/xx/2019 xx<br> There is a civil judgment against borrower xx which was recorded on xx/xx/2021 in the amount ofxx<br> The annual installment ofxx taxes for the combined has been paid in the amount ofxx on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount ofxx(PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate of xx. The current UPB reflected as per the payment history isxx | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current P&I is $xx with an interest rate of xx. The current UPB reflected as per the payment history is xx<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2021.<br> Unable to determine owner occupancy.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 and BWR2 receive pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a P&I ofxx, a rate of interest ofxx, and a maturity date of xx/xx/2049. The P&I as per payment history tape data is xx and the rate of interest is xx. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan has been modified on xx/xx/2021. The modification agreement is missing from the loan file. | Hazard Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no issue, and the defect is satisfied. Further details not found." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx/xx/2019. Initial LE dated xx/xx/2019 reflects Points - Loan Discount Fee & State Tax/Stamps at $0.00 & $0.00. Final CD dated xx/xx/2019 reflects Points - Loan Discount Fee & State Tax/Stamps atxx.00. This is fee increase ofxx for xx tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is purchase case, originated on xx/xx/2019 and xx<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2019 reflects the sum of Section C fees and Recording fee at xx. CD dated xx/xx/2019 reflects the sum of Section C and Recording fee atxx. This is a cumulative increase of $309.62 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test xxdue to an APR calculated atxx exceeds APR threshold ofxx% over byxx. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Evidence of hazard insurance is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 15583430 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1602.50 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1110.49 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 84.762% | 84.762% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 681 | Not Applicable | 65.504% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Not Applicable | Unavailable | Unavailable | 08/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with instrument xx in the amount of xx<br> There is a divorce judgment against the borrower in favor of xx, which was recorded on xx/xx/1994 in the amount of $0.00. <br> There is a credit card judgment against the borrower in favor of xx, N.A., which was recorded on xx/xx/2016 in the amount of xx. <br> The annual installment of county xx for 2024 has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $906.07 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $510.60 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the seller's tape data, the loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> According to servicing comments dated xx/xx/2021, the subject property was damaged due to hurricane. As per the servicing comment dated xx/xx/2021, the loss claim funds were received in the amount of $6,232.39. No comments have been found regarding repair completion. Subsequent comments do not show damage.<br> As per the tape data, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage originated on xx/xx/2007 with a P&I of $1,110.49, a rate of interest of 6.375%, and a maturity date of xx/xx/2037. The P&I, as per the payment history, is $510.60, and the rate of interest is 2.875%. The current UPB reflected as per the payment history is $135,325.40. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan was modified on xx/xx/2021 with a maturity date of xx/xx/2061. The modification agreement is missing from the loan file. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no issue or defect satisfied. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $6232.39 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 45600212 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $887.49 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $578.31 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 60.000% | 60.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 673 | Not Applicable | 49.513% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx with xx<br> There is one junior mortgage against the property in favor ofxx, which was recorded on xx/xx/2024 for the amount of xx<br> The first installment of county taxes for 2023/2024 has been paid in the amount of $464.03 on xx/xx/2024.<br> The first installment of county taxes for 2024/2025 has been paid in the amount of $488.12 on xx/xx/2025.<br> The second installment of county taxes for 2023/2024 has been paid in the amount of $423.46 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $886.13 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $578.31 with an interest rate of 3.125%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 14.83 years on the job as an agent with XXX.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase 0% tolerance test." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.51%. The tape reflects an increased DTI of 59.39%. Further details not provided. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has 14.83 years on the job as an agent with State Farm Insurance, a FICO score of 673, 0X30 in the last 24 months, $99K equity in the subject, and $1,768 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount Fee. CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $1,518.75. This is an increase in fees of $1,518.75 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance, originated on xx/xx/2022, and the 3-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 19295155 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2001.71 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $725.91 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 731 | Not Applicable | 32.726% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx with xx<br> There is one junior partial claim mortgage against the subject property originated on xx/xx/2023 in favor of xx in the amount of xx, which was recorded on xx/xx/2023. <br> The annual county taxes for 2025 have been paid on xx/xx/2025.<br> The annual water taxes for 2025 are due in the amount of $328.57 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $988.64 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $725.91 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. No details pertaining to the damage to the subject property have been observed. As per the tape data, the subject property is owner occupied. <br> BWR has been SE for 3.33 years as a driver. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete because the initial CD is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial closing disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 32.72%. The tape shows SE income could not be verified using reasonably reliable third-party records. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL will expire on 8/XX/25. BWR has been SE for 3.33 years as a driver, has a FICO of 731, has had 0X30 in the last 24 months, and has $7K equity in the subject. The review shows ATR confirmed."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Compliance is failing for state regulations PA license validation test." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 6705153 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Iowa | xx | xx | xx | Iowa | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1784.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $322.54 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 86.630% | 86.630% | Full Documentation | No | Not Applicable | Unavailable | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 31.024% | First | Short Form Policy | Not Applicable | Not Applicable | 04/01/2022 | $77000.07 | $11640.07 | 3.000% | $233.98 | 05/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2013 and recorded on xx/xx/2013 with xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The 1st installment of combined taxes for 2023 was paid in the amount of $892.00 on xx/xx/2024.<br> The 2nd installment of combined taxes for 2023 was paid in the amount of $892.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $620.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $233.98 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx and the deferred amount is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $620.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $233.98 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx and the deferred amount is xx<br> The reason for default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> No evidence has been found regarding litigation and contested matters.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx on xx/xx/2022. As per the modified term, the new principal balance is xx, out of which xx is the interest bearing amount and the deferred amount is xx The monthly P&I is $233.98 with an interest rate of 3.000% beginning on xx/xx/2022 and a maturity date of xx/xx/2062. There is no principal forgiven amount. The loan has been modified once since origination. | Good Faith Estimate<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance<br> Origination Appraisal | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no issue. Further details not provided." | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails prohibited fees test. The below fees were included in the test: Tax Service Fee paid by Borrower: $79.00 Lender's Title Insurance Policy paid by Borrower: $300.00"<br> \* Good Faith Estimate missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final good faith estimate is missing from the loan document."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Initial Good Faith Estimate is Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial good faith estimate is missing from the loan document."<br> \* Initial Truth in Lending Disclosure is Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial truth in lending is missing from the loan document."<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal document is missing."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 2281418 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $2229.28 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $641.11 | 5.570% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 47.458% | 47.458% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 67.309% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2018 and recorded on xx/xx/2018 with instrument xx in the amount of xxwith xx<br> There is a prior mortgage against the property in favor of xx., which is recorded on xx/xx/2001 and in the amount of xx<br> There is a junior judgment against the borrower in favor of xx, which is recorded on xx/xx/2019 in the amount of xx<br> The annual installment of county taxes for 2025 has been paid in the amount of $1,114.64 on xx/xx/2025.<br> The annual installment of county taxes for 2025 is due in the amount of $1,114.64 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $821.53 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $606.68 with an interest rate of 5.570%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a P&I of $641.11, a rate of interest of 5.570%, and a maturity date of xx/xx/2048. The P&I as per payment history tape data is $606.68, and the rate of interest is 5.570%. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan has been modified. The modification agreement is missing from the loan file. | Credit Report<br> Origination Appraisal<br> Transmittal (1008) | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 67.30%. Tape shows the total DTI exceeds the allowable DTI of 43%, and review of the file shows ATR could not be determined as AUS, 1008, and loan approval is missing from the loan documents. Further details not provided. Lender defect. The subject loan originated on xx/xx/2018 and the 3-year SOL has expired. BWR receives social security income, FICO 786 and 0X30 over the last 24 months."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 67.30%, as the borrower's income is xx and total expenses are in the amount of xx and AUS/LP report is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan documents. Zillow search shows an estimated value of xx Current UPB is $91K."<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The credit report is missing from the loan file."<br> \* Transmittal (1008) is Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final transmittal summary is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 91095835 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $19116.36 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4216.04 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 66.667% | 66.667% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 684 | Not Applicable | 43.938% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 in the amount of xx<br> No active judgments or liens have been found.<br> The 1st and 2nd annual installments of town taxes for 2024 have been paid in the amount of xx on xx/xx/2024 and xx/xx/2025.<br> No prior year delinquent taxes have been found.  | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,986.61 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,216.04 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The RFD is unable to be determined.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the property is owner occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 5.16 years on the job as a chief technology officer with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan was originated on xx/xx/2021. Tape shows EPD. According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects points - loan discount fee at $0.00. CD dated xx/xx/2021 reflects points - loan discount fee at $6410.25. This is an increase in fee of $6410.25 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents." | \* ComplianceEase Exceptions Test Failed (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations." | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 66008438 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1618.85 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1397.47 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.932% | 75.932% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 53.539% | First | Final policy | Not Applicable | Not Applicable | 11/10/2021 | $195242.87 | Not Applicable | 3.000% | $698.94 | 12/01/2021 | Financial Hardship | As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2003 and recorded on xx/xx/2003 with instrument xx in the amount of xx<br> There are two junior mortgages against the subject property in favor of xx The first junior mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of xx And the second junior mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of xx<br> The first installment of county taxes for 2025 is paid in the amount of $809.43 on xx/xx/2025.<br> The second installment of county taxes for 2025 is due in the amount of $809.42 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,004.34 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $698.94, and the interest rate is 3.000%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> The loan was modified on xx/xx/2021.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified between the borrower and lender on xx/xx/2021. As per this modification agreement, the new principal balance is xx, and the borrower promised to pay principal and interest in the amount of $698.94 at a rate of 3.000% beginning on xx/xx/2021. According to this agreement, the new maturity date will be xx/xx/2061. There is no deferred or forgiven amount. | Final Truth in Lending Discl.<br> Initial 1003_Application<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows "defect satisfied." Further details were not provided."<br> \* Not all borrowers signed HUD (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Final HUD-1 is not signed by the borrower." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA APR test due to final TIL is missing from loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from loan documents."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial 1003 signed by loan originator is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from loan documents."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR transaction date is xx/xx/2003, note date is xx/xx/2003 and HUD-1 shows settlement date is xx/xx/2003." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 22182269 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $429.51 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $413.94 | 7.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | Unavailable | Unavailable | Unavailable | First | Short Form Policy | Not Applicable | XXXX | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and recorded on xx/xx/2006 with instrument xx in the amount of xx with xx<br> There are six water/sewer liens against the subject property in favor of xx which were recorded on different dates in the total amount of xx<br> The annual first installment of county taxes for 2024/2025 has been paid in the amount of $429.51 on xx/xx/2025.<br> The annual second installment of county taxes for 2024/2025 is due in the amount of $429.51 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $454.92 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $230.14 with an interest rate of 3.000%. The current UPB reflected as per the tape data is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape, the loan was modified on xx/xx/2010.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional ARM mortgage with a P&I of $413.94, a rate of interest of 7.50000%, and a maturity date of xx/xx/2036. The P&I, as per payment history tape data, is $230.14, and the rate of interest is 3.000%. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan has been modified on xx/xx/2010. The modification agreement is missing from the loan file. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is NOO. The tape and review of the file show the final HUD-1 is missing from the loan documents, and the subject property is located in a xx . Further details not provided."<br> \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1, along with the itemization of fees and estimated HUD-1, is missing from the loan documents." | \* Credit score not provided (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The credit report is missing from the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final TIL is missing from the loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 75937575 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $6127.50 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $3085.96 | 7.458% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 10/01/2018 | $403590.59 | $58590.59 | 4.000% | $1647.09 | 11/01/2018 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and recorded on xx/xx/2006 with instrument xx in the amount of xx with xx<br> There is an active junior mortgage against the subject property that originated on xx/xx/2008 and was recorded on xx/xx/2008 with xx <br> There is a hospital, medical, or attorney lien against the borrower in favor of xx, which was recorded on xx/xx/2011.<br> There are five civil judgments against borrower in favor of different plaintiffs for the total amount of xx which were recorded on different dates.<br> Parcel xx<br> The first and second installments of town taxes for 2025 have been paid in the total amount of $3,005.00 on xx/xx/2025 and xx/xx/2025.<br> Parcel #xx<br> The first and second installments of town taxes for 2025 have been paid in the total amount of $58.75 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,157.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,647.09 with an interest rate of 4.000%. The current UPB is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the RFD is excessive obligation.<br> No details pertaining to the damage to the subject property have been observed.<br> The modification agreement was made between the borrowers and the lender on xx/xx/2018. <br> No foreclosure activity has been found.<br> According to the PACER, the borrower, xx filed bankruptcy under xx with the case xx on xx/xx/2017. The BK was discharged on xx/xx/2021 and terminated on xx/xx/2021.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower, xx, filed bankruptcy under Chapter 13 with the case # xx on xx/xx/2017. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is xx. The POC was filed by the creditor, xx, on xx/xx/2018, with the secured claim amount of xx and the arrearage amount of xx. The Chapter 13 plan was confirmed on xx/xx/2018. The BK was discharged on xx/xx/2021 and terminated on xx/xx/2021.<br>| The modification agreement was made between the borrowers and the lender on xx/xx/2018. As per the modified term, the new principal balance is xx. The monthly P&I is $1,647.09 with an interest rate of 4.000% beginning on xx/xx/2018 and a maturity date of xx/xx/2034. There is a deferred balance in the amount of xx, and the principal forgiven amount is xx. There is a balloon payment in the amount of xx | Credit Report<br> HUD-1 Closing Statement<br> Initial 1003_Application<br> Missing or error on the Rate Lock<br> Origination Appraisal<br> Right of Rescission | xx | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is from the state of xx which has unlimited assignee liability for state high cost, and we are unable to test compliance due to missing HUD." | \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Final HUD-1, along with the estimated HUD-1 and fee itemization, is missing from the loan documents. Tape shows HUD-1 is missing, and the subject property is located in a xx state." | \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB is $300K."<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 66990287 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $9010.62 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $2750.00 | Not Applicable | 5.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 54.545% | 54.545% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 706 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2019 and recorded on xx/xx/2019 with instrument #xx in the amount of xx with xx<br> There is a notice of special tax lien against the subject property in favor of the xx which was recorded on xx/xx/2016.<br> The first and second installments of county taxes for 2024/2025 have been paid in the amount of $9,010.62 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,812.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,433.95 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx and the deferred balance is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The deferment agreement between xx which was recorded on xx/xx/2022, has a deferment amount of xx, and 22 payments have been deferred, which is located at xx <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The subject loan closed as a no-ratio loan, and ATR is not applicable. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan closed as non-compliant HPML. Infinity compliance test result shows the loan failed HPML test." | \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 6.119% exceeds APR threshold of 5.570% over by +0.549. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 93641432 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Delaware | xx | xx | xx | Delaware | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2324.72 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1119.81 | 5.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 117.996% | 117.996% | Full Documentation | No | Not Applicable | Unavailable | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 800 | Not Applicable | 31.137% | First | Short Form Policy | Not Applicable | Not Applicable | 08/01/2021 | $206448.42 | Not Applicable | 2.875% | $641.01 | 08/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2013 and recorded on xx/xx/2013 with instrument xx in the amount of xx with xx<br> There is one prior UCC lien against the property in favor of xx which was recorded on xx/xx/2009.<br> There is one junior UCC lien against the property in favor of xx which was recorded on xx/xx/2014.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $2,324.72 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,073.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $641.01 with an interest rate of 2.870%. The current UPB reflected as per the payment history is xx and deferred balance is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the loan was modified on xx/xx/2021.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, on xx/xx/2021. As per the modified term, the new principal balance is xx The monthly P&I is $641.01 with an interest rate of 2.875% beginning on xx/xx/2021 and a maturity date of xx/xx/2061. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Good Faith Estimate<br> Missing or error on the Rate Lock<br> Mortgage Insurance<br> Origination Appraisal | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the seller's tape, the defect shows no issue or defect satisfied. Further details not provided." | \* Good Faith Estimate missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final good faith estimate is missing from the loan documents."<br> \* Initial Truth in Lending Disclosure is Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial Truth in Lending Disclosure is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal is missing"<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 33600191 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | Yes | Yes | Not Applicable | Other | xx | $0.00 | $1562.90 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $863.53 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 623 | Not Applicable | 49.366% | First | Final policy | Not Applicable | Not Applicable | 09/01/2021 | $126490.87 | $5490.87 | 3.125% | $441.92 | 09/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and recorded on xx/xx/2006 with instrument xx 8in the amount of xx with xx.<br> There are two HOA foreclosure lis pendens active against the subject property in favor of xx which were recorded on xx/xx/2009 and xx/xx/2011. HOA lien information is not provided in the notice of lis pendens. No further details are provided.<br> The annual installment of combined taxes for 2023 has been paid in the amount of $1,562.90 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $611.82 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $441.92 with an interest rate of 3.130%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the current occupancy is owner-occupied.<br> As per the comment dated xx/xx/2025, the property is damaged due to flood. No further details are found.<br> The loan was modified on xx/xx/2021.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, on xx/xx/2021. As per the modified term, the new principal balance is xx. The monthly P&I is $441.92 with an interest rate of 3.125% beginning on xx/xx/2021 and a maturity date of xx/xx/2061. There is a deferred balance of xx and no principal forgiven amount. The loan has been modified twice since origination. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape defect shows no issue/defect satisfied. Further details are not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Connecticut license validation test. (CT HB 5577 Section 39(b)) First mortgage lender licenses and secondary mortgage lender licenses in existence on xx, 2008 shall be deemed on and after xx 2008, to be a mortgage lender license."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 55012143 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3201.87 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $994.51 | 4.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 83.163% | 94.788% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 732 | Not Applicable | 177.404% | First | Short Form Policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2016 and recorded on xx/xx/2016 with instrument # xx in the amount of xx<br> No active judgments or liens have been found. <br> The 1st installment of county taxes for 2024-2025 has been paid in the amount of $3,201.87 on xx/xx/2025.<br> The 2nd installment of county taxes for 2024-2025 is due in the amount of $3,201.87 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.&nbsp;&nbsp;&nbsp;&nbsp; | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1631.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $994.51 with an interest rate of 4.125%. The current UPB reflected as per the payment history is xx<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> Unable to determine the occupancy of the subject property. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> According to the PACER, the borrower, xx,' filed bankruptcy under Chapter 7 with the xx on xx/xx/2019. The BK was discharged on xx/xx/2020 and terminated on xx/xx/2020.<br> BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower,xx on xx/xx/2019. The borrower did not file Schedule D of the voluntary petition. The Chapter 7 plan was filed on xx/xx/2019. This plan was not confirmed yet. There is no comment indicating a cramdown. The BK was discharged on xx/xx/2020 and terminated on xx/xx/2020. | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan is closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of xx Current UPB is $164K."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 177.40%. Tape shows ATR issue. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2016, and the 3-year SOL has expired. BWR receives SSI income, FICO 732, and 1X30 in the last 24 months."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2015 does not reflect Rate Lock Fee. Final CD dated 0xx/xx/2016 reflects Rate Lock Fee at $512.99. This is an increased fee in the amount of +$512.99 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on 0xx/xx/2016, and the 3-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 177.404%, as the borrower's income is xx and total expenses are in the amount of xx. The AUS report is missing from the loan documents. The subject loan was originated on xx/xx/2016, and the 3-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 38158658 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $510.69 | xx | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $667.00 | 9.630% | 300 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 66.460% | 66.460% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2005 and recorded on xx/xx/2005 with instrument xx in the amount of xx with xx<br> There is a junior mortgage against the subject property that was originated on xx/xx/2018 and recorded on xx/xx/2018 with instrument xx<br> There is a UCC lien against the subject propert in favor of xx, recorded on xx/xx/2024. <br> The annual installment of county taxes for 2024 has been paid in the amount of $490.26 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $766.24(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $586.05 with and interest rate is 8.149%. The current UPB reflected as per the payment history is xx and the deferred balance is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx and the deferred balance is xx<br> As per the seller's tape, the subject property is owner occupied.<br> Unable to determine the reason for the default.<br> As per the seller's tape, the loan was modified on xx/xx/2021.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the notice of lis pendens located at xx" the foreclosure was initiated in 2014 and the complaint was filed on xx/xx/2014. As per the document located at xx the foreclosure was dismissed on xx/xx/2014. <br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:As per the notice of lis pendens located at xx the foreclosure was initiated in 2014 and the complaint was filed on xx/xx/2014. As per the document located at xx the foreclosure was dismissed on xx/xx/2014. Further details are not provided.<br> Bankruptcy Comments:Not Applicable | This is a conventional ARM mortgage with a P&I of $667.00, a rate of interest of 9.630%, and a maturity date of xx/xx/2030. The P&I as per payment history tape data is $586.05, and the rate of interest is not available. There is a difference in P&I with respect to the note. As per the seller's tape, the loan was modified on xx/xx/2021. The tape shows the deferred balance is xx The modification agreement is missing from the loan file. | Final Truth in Lending Discl. | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows a DSI vs. arrears discrepancy. Further details not provided." | \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 14679119 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $4178.57 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1246.79 | 4.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | No | No | 724 | Not Applicable | 22.150% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with xx in the amount of xx with xx<br> There is an active water/sewer lien against the subject property in favor of xxwhich was recorded on xx/xx/2024 in the amount of xx. UT shows an alert for unit 4 missing from the property address on the water/sewer lien document. <br> The 1st and 2nd installments of county taxes for 2025 are due in the amount of $4,178.57 on xx/xx/2025 and xx/xx/2025. <br> The annual 1st and 2nd installments of county taxes for 2024 have been paid in the amounts of $3,925.10 on xx/xx/2024 and xx/xx/2024. <br> The annual installment of water/sewer charges for 2025 has been delinquent in the total amount of $98.84, which is good through xx/xx/2025.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan. and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,773.89 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,246.79 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified. <br> No foreclosure activity has been found. <br> No bankruptcy activity has been found.<br> BWR has 32 years on the job as an xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> HUD-1 Closing Statement | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is HPML non-compliant. Infinity compliance report shows the loan failed the HPML test. Further details are not provided."<br> \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Final closing disclosure missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA APR test due to APR calculated 5.372% exceeds APR threshold 4.730% over by +0.642%."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase more than 10% tolerance test. LE dated xx/xx/2021 reflects the sum of Section C fees at $3,046.98. CD dated xx/xx/2021 reflects the sum of Section C fee at $2,645.50. This is a cumulative increase of +$401.48 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 5.372% exceeds the APR threshold of 4.490% by +0.882%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d)." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 27248531 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10097.15 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1298.64 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 802 | 790 | 43.863% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2016 and recorded on xx/xx/2016 in the amount of xx There is a state tax lien against the borrower in favor of xx which was recorded on xx/xx/2025. There is a prior state tax lien against the borrower in favor of xx' in the total amount of xx, which was recorded on xx/xx/2005. There is a prior judgment in the amount of $1,100.00 in favor of xx which was recorded on xx/xx/2016. There is a child support lien in the amount of xx which was recorded on xx/xx/2018 in favor of xx The 1st and 2nd annual installments of town taxes for 2024 have been paid in the amount of $4,972.81 on xx/xx/2025 and xx/xx/2025. The 3rd annual installment of town taxes for 2024 is due in the amount of $2,562.17 on xx/xx/2025. The annual installment of utility charges for 2024 is due in the amount of $276.75 on xx/xx/2025. No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,193.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,298.64 with an interest rate of 3.500%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx No foreclosure activity has been found. No post-close bankruptcy record has been found. As per the seller's tape, the property is owner occupied. No details pertaining to the damage to the subject property have been observed. xx has 34.03 years on the job as an ophthalmologist with xx has 34.03 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows qualifying assets for closing are less than cash from the borrower. Assets are insufficient for closing. Bank statements in the file show $86K, and the cash-to-close requirement is $82K. Further details not provided. The subject loan originated on xx/xx/2016."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the state regulations prohibited fees test. The following fees were included in the test: HOA Capital Contribution paid by Borrower: $250.00 Maintenance - Dec HOA Dues paid by Borrower: $300.00 Optional Legal Fee paid by Borrower: $1,165.00." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 43.86%. Tape shows SE income documentation is not sufficient, as the BWR's strength of SE business reflects a significant decline in earnings. Revised DTI is 52.29%. Further details not provided. BWR defect. The subject originated on xx/xx/2016, and the 3-year SOL has expired. BWR1 has been SE for 34.03 years at xx BWR2 has 34.03 years on the job as a xx, a FICO of 790, $124K equity in the subject, 0X30 over the last 24 months, and a residual income of xx." |  | Moderate | Not Covered | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 3600870 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11650.26 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4736.42 | 6.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 56.834% | 56.834% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 762 | 781 | 20.474% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx with xx<br> There is a junior mortgage against the subject property that was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount ofxx<br> The first installment of county taxes for 2025 has been paid in the amount of $5,825.13 on xx/xx/2025.<br> The second installment of county taxes for 2025 is due in the amount of $5,825.13 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,468.93(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,736.42 and the interest rate is 6.000%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> As per the seller's tape, the subject property is owner occupied.<br> As per the comment dated xx/xx/2025, there is a payment dispute.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 and BWR2 have been SE for 18.58 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan was changed from conventional fixed rate to ARM and the required ARM loan program disclosure was not provided within the 3 days. Further details not provided." | \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 31519475 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $19077.24 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2909.07 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 54.118% | 54.118% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 786 | Not Applicable | 36.475% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The first, second, third, and fourth installments of town taxes for 2025 have been paid in the total amount of xx on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,249.45 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,909.07 with an interest rate of 3.000%. The current UPB is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7.55 years on the job as a manager at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Hazard Insurance | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows TRID exception. Further details not provided. Infinity CE report shows the loan failed the TRID tolerance test." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2020 reflects Credit Report Fee at $16.00. Final CD dated xx/xx/2020 reflects Credit Report Fee at $16.40. This is an increase in fee of +$0.40 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/2020 and the 3-year SOL has expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Intent to proceed is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance policy is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 30034381 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6262.46 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1357.26 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 694 | 715 | 42.931% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 with xx<br> There is one junior mortgage against the subject property, which was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount ofxx<br> The 1st and 2nd installments of combined taxes for 2024 are due in the amount of $6,262.46 on xx/xx/2025 and xx/xx/2026. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,247.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,357.26 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> As per the tape data, the subject property is owner- occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 6.76 years on the job as a district paint manager at xx<br> BWR2 has 17.55 years on the job as an xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file shows the MI certificate is missing from the loan documents. Further details not provided." | \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "MI certificate is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 64907885 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3413.50 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | Unavailable | 7.600% | 360 |  | xx | xx |  | HELOC | ARM |  | Cash Out | 52.692% | 52.692% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 12/01/2022 | $117392.83 | $17187.06 | 3.375% | $391.06 | 12/01/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with instrument xx in the amount of xxwith xx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of combined taxes for 2023 were paid in the total amount of $3,413.50 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $707.90 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $391.06 with an interest rate of 3.375%. The current UPB reflected as per the payment history isxx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> According to the PACER, the borrower, xx, filed bankruptcy under Chapter 7 with the xx on xx/xx/2015. The BK was discharged on xx/xx/2015 and terminated on xx/xx/2015.<br> As per tape data, the property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower, xx, filed bankruptcy under Chapter 7 with thexx on xx/xx/2015. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $0.00. The BK was discharged on xx/xx/2015 and terminated on xx/xx/2015. | The recast agreement was made between the borrower and the lender on xx/xx/2022. As per the modified term, the new principal balance isxx, out of which xx is the interest-bearing amount and the deferred amount is xx. The monthly P&I is $391.06 with an interest rate of 3.375% beginning on xx/xx/2022 and a maturity date of xx/xx/2056. There is no principal forgiven amount. | Condo/PUD Rider<br> Initial 1003_Application<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per tape data, there is no issue or defect satisfied. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Connecticut license validation test due to the first mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and after July 1st, 2008, to be a mortgage lender license."<br> \* Condo / PUD rider Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Condominium rider is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan documents. Zillow search shows an estimated value of $XXXX. Current UPB $90K."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial 1003 signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand-dated by the borrower." |  | Moderate | Not Covered | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 77581508 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $463.63 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 86.041% | 86.041% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 669 | Not Applicable | 67.532% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2017 and recorded on xx/xx/2017 with instrument xxin the amount of xx<br> The water/sewer charges for 2025 is delinquent in the amount of $157.42 on xx/xx/2025. <br> No active judgments or liens have been found. <br> The annual installment of county taxes for 2025 has been paid in the amount of $2,980.17 on xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $819.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $463.63 with an interest rate of 3.50%. The current UPB reflected as per the payment history isxx and deferred balance isxx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the reason for default is excessive obligations.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4 years on the job as a taxi driver with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing Initial LE<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Missing Appraisal (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal is missing." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $XXXX. Current UPB: $84K."<br> \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 67.53%. ATR could not be determined as the income docs and asset docs are inconsistent. Further details not provided. Lender defect. The subject loan originated on xx/xx/2017, and the 3-year SOL has expired. BWR has 4 years on the job as a taxi driver with xx, FICO 669, and 0X30 in the last 24 months."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Compliance is failing for state regulationsxx license validation test."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. Finance charge disclosed on final CD as xx. The calculated finance charge is xx for an undisclosed amount of -$114.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. <br>The loan failed TILA foreclosure rescission finance charge of xx exceeds disclosed finance charge of xx by -$79.00.<br>The subject loan is a refinance, originated on xx/xx/2017, and the 3-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete due to initial LE is missing from the loan documents."<br> \* Missing Initial LE (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial loan estimate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The settlement service providers list is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 67.53%, as the borrower's income is xx and total expenses are in the amount of xx, and the loan was underwritten by DU xx, and its recommendation is "Approve/Eligible" with a DTI of 67.53%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 73718584 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Not Applicable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5085.43 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2907.25 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 752 | 763 | 49.835% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with xx<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2025 has been paid in the amount of $2,542.71 on xx/xx/2025.<br> The 2nd installment of county taxes for 2025 is due in the amount of $2,542.72 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,271.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,907.25 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.58 years on the job as a xx at the XX of xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.83%. Tape shows the calculated investor qualifying DTI ratio of 51.66% exceeds approved DTI of 49.84%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023 and the 3-year SOL is active. BWR has 2.58 years on the job as a xx at the City of xx, FICO 752 and $98K equity in the subject. Review shows ATR confirmed."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$389.47. Subject loan is a purchase case, originated on xx/xx/2023 and the 1-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2023 reflects Points - Loan Discount Fee at $1,170.00. Final CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $1,868.18. This is an increase in fee of +$698.18 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2023 and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 65349874 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | Not Applicable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5474.42 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2162.94 | 3.000% | 240 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 33.058% | 33.058% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 804 | 814 | 39.854% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 were paid in the amount of $5,474.42 on xx/xx/2024.<br> The annual town taxes for 2024 were paid in the amount of $482.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,162.94 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,162.94 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,162.94 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,162.94 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx<br> The reason for default is not available.<br> No evidence has been found regarding foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> No information has been found regarding litigation and contested matters.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has 1 year on the job as an xx. Previously, BWR had 20 years on the job as data files director with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 19.88%. The tape shows income could not be verified as the WVOE is more than 90 days at closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL will expire on xx/xx/2025. BWR has 1 year on the job as an analytics director with xx, FICO 804, 0X30 in the last 24 months, and $848 equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflect Transfer Taxes Fee at $2,020.00. CD dated 7/XX/22 reflects Transfer Taxes Fee at $2,360.00. This is an increase in fee of $340.00 for charges that cannot increase. <br> Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2022 reflects the sum of Section C fees at $2,415.90 CD dated xx/xx/2022 reflects the sum of Section C at $1,009.80. This is a cumulative increase of +$1,406.10 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed TRID total of payments test due to charge xx allow xx less by -$3,071.95.<br> A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/2021, xx/xx/2021 and xx/xx/2021." |  | Moderate | Pass | Fail | No Result | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 58965256 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6480.78 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2156.87 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 770 | Not Applicable | 19.046% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 with instrument xx<br> There are two state tax liens against the borrower in favor of the xx which were recorded on xx/xx/2023 in the total amount of xx<br> The second installment of county taxes for 2024, is due in the amount of $3,246.89, on xx/xx/2025.<br> The first installments of county taxes for 2024 have been paid in the amount of $3,246.89 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,009.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,156.87 with an interest rate of 3.125%. The current UPB is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, the RFD is excessive obligation.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 8 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file show 2 months of assets are missing from the loan documents. The bank statement in the file shows $61K in assets; a down payment of $26K satisfies the cash-to-close requirement of $29K. Further details not provided. BWR has been an SE for 8 years at xx, with a FICO score of 770 and $79K equity in the subject."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance policy is missing from the loan documents." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2020 does not reflect Inspection Fee. Final CD dated xx/xx/2020 reflects Inspection Fee at $125.00. This is an increase in fee of +$125.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2020 and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 69025683 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Not Applicable | xx | xx | No | No | Not Applicable | First |  | $673.81 | $1347.62 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2484.36 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | No | No | 789 | 761 | 39.571% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in book 1212, xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2025 has been paid in the amount of $673.81 on xx/xx/2025.<br> The second installment of county taxes for 2025 has been delinquent in the total amount of $673.81, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,746.44 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,484.36 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine occupancy of the property.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1.33 years on the job as xx Previously, BWR1 had 6.5 years on the job as a xx Additionally, BWR1 receives retirement income.<br> BWR2 has 5.5 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceed fees threshold of xx over by +$321.03.<br> The below fees were included in this test:<br> Commitment Fee paid by Borrower: $995.00<br> Loan Origination Fee paid by Borrower: $5,531.76<br> Points - Loan Discount Fee paid by Borrower: $3,983.85.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged xx exceed fees threshold of xx over by +$321.03.<br> The below fees were included in this test:<br> Commitment Fee paid by Borrower: $995.00<br> Loan Origination Fee paid by Borrower: $5,531.76<br> Points - Loan Discount Fee paid by Borrower: $3,983.85."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan has no issues or defects. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees at $2,025.00. CD dated xx/xx/2024 reflects the sum of Section C fee at $2,312.00. This is a cumulative increase of +$84.50 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on 0xx/xx/2024 and the 1-year SOL has expired."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance policy is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 6277106 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $6022.26 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $777.53 | 1.000% | 480 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 703 | 609 | 20.920% | First | Final policy | Not Applicable | Not Applicable | 04/28/2011 | $345279.88 | Not Applicable | 3.875% | $863.20 | 06/01/2016 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with xx<br> There is a junior mortgage against the subject property that was originated on xx/xx/2007 and recorded on xx/xx/2007 in the amount of xx<br> The annual installment of combined taxes for 2024 has been paid in the amount of $5,717.74 on xx/xx/2024.<br> The first and second installments of county taxes for 2025 are due in the amount of $6,022.26 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,613.76(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $863.20 and the interest rate is 3.875%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> As per the seller's tape, the subject property is owner occupied.<br> The loan was modified on xx/xx/2011.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers,xx, on xx/xx/2011. As per the modified term, the new principal balance is xx The commencement date is xx/xx/2011 and continues through xx/xx/2016. The monthly P&I is $863.20 with an interest rate of 3.875% beginning on xx/xx/2016 and a maturity date of xx/xx/2047. There is no deferred balance and principal forgiven amount. | Final Truth in Lending Discl. | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan not amortizing according to the terms of the note/modification." | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the prepayment term test due to loan has prepayment of 12 months."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA APR test due to calculated APR of 0.000% exceeds the disclosed APR of 3.446% under disclosed by -3.446%. The final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 16119274 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $2902.80 | 06/02/2025 | xx | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1010.45 | 6.625% | 480 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 69.106% | 69.106% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 654 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2008 and recorded on xx/xx/2008 with instrument xx in the amount of xx<br> There are 4 active municipal liens against the subject property in favor of the xx, a municipal corporation, which were recorded on different dates in the total amount of xx<br> There are two code enforcement liens against the subject property in favor of the xx which were recorded on xx/xx/2012 in the total amount of xx<br> The first installment of county taxes for 2024 has been paid in the amount of $1,596.54 on xx/xx/2025.<br> The annual installments of water/sewer charges for 2025 have been delinquent in the amount of $9,278.92, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $890.89 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $459.92 with an interest rate of 2.00%. The current UPB reflected as per the payment history is xx and deferred balance is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape data, the loan was modified on xx/xx/2021.<br> As per the seller's tape, the subject property is owner-occupied.<br>As per the updated title report dated xx/xx/2025, the foreclosure was initiated on the loan in 2015. The complaint was filed on xx/xx/2015. The complaint was amended on xx/xx/2016. The foreclosure was dismissed on xx/xx/2017 due to a loss mitigation workout.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:As per the updated title report dated xx/xx/2025, the foreclosure was initiated on the loan in 2015. The complaint was filed on xx/xx/2015. The complaint was amended on xx/xx/2016. The foreclosure was dismissed on xx/xx/2017 due to a loss mitigation workout.<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a P&I of $1,010.5, a rate of interest of 6.625%, and a maturity date of xx/xx/2048. The P&I as per payment history tape data is $459.92, and the rate of interest is 2.00%. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan has been modified on xx/xx/2021. The modification agreement is missing from the loan file. |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no issues or defects on the subject loan. Further details not provided." |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 12019959 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oklahoma | xx | xx | xx | Oklahoma | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2754.06 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $839.99 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 79.167% | 79.167% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 750 | Not Applicable | 48.410% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with Instrument xx in the amount of xx There is a state tax lien against the borrower in favor of the xx, recorded on xx/xx/2025, in the amount of xx . There is a notice of renewal of judgment against the borrower in favor of xx which was recorded on xx/xx/2023, in the total amount of xx. There is an active UCC filing against the subject property in favor of xx, which was recorded on xx/xx/2023. There is also a prior active UCC filing against the subject property in favor of xx which was recorded on xx/xx/2021. The annual installment of combined taxes for 2024 has been paid in the amount of $2,754.06 on xx/xx/2025. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,525.67 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $839.99 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. No details pertaining to the damage to the subject property have been observed. As per seller's tape, the subject property is owner-occupied. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. <br> BWR has 18 years on the job as an xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase 0% tolerance test." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject was approved at 43.47%. Tape shows revised DTI of 50.32%. Further details not provided. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has 18 years on the job as an xx with xx, FICO 750, 0X30 in the last 24 months, $62K equity in the subject, and $1,971 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase test due to increase of fee in Final CD dated 0xx/xx/2022. Initial LE dated xx/xx/2021 reflects Appraisal Review Fee at $0.00. Final CD dated 0xx/xx/2022 reflects Appraisal Review Fee at $715.15. This is fee increase of $715.15 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is refinance case, originated on xx/xx/2022 and the SOL is 3 year expired."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 80707808 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $3398.32 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $699.82 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | Unavailable | Unavailable | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 804 | 802 | 24.705% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx. No active judgments or liens have been found. The annual installment of county taxes for 2024 has been paid in the amount of $3,262.39 on xx/xx/2024. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,681.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $683.28 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> As per the seller's tape data, the subject property is owner-occupied.<br> Unable to determine the RFD. <br> No details pertaining to the damage to the subject property have been observed. <br> As per the seller's tape data, the loan has been modified on xx/xx/2021. <br> No foreclosure activity has been found. No post-close bankruptcy record has been found. BWR receives SSI and pension income.<br> BWR1 receives SSI and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a P&I of $699.82, a rate of interest of 3.25000%, and a maturity date of xx/xx/2051. The P&I as per payment history tape data is $683.28, and the rate of interest is 3.250%. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan has been modified on xx/xx/2021. The borrower made payment through an unexecuted note, which is located at xx showing P&I $683.28. The modification agreement is missing from the loan file. | Affiliated Business Disclosure<br> Hazard Insurance<br> Origination Appraisal | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the seller's tape, no issue or defect was satisfied. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the charges that cannot increase 0% tolerance test. The loan estimate (LE) dated xx/xx/2021 reflects a credit report fee of $17.00 and does not reflect intangible tax of $321.60 & state tax/stamps of $562.80. The Closing Disclosure (CD) dated xx/xx/2021 reflects a credit report fee of $17.12 & an intangible tax of $321.60 & state tax/stamps of $562.80. This represents an increase in fees of $884.52 for charges that cannot increase. A valid change of circumstance (COC) for the increase in fee is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is missing from the loan file. Zillow shows an estimated value amount of xx. The current UPB is xx."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Evidence of hazard insurance is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 69212071 | xx | PH+SC | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 05/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of 7.250%. The current UPB is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is xx with an interest rate of 7.250%. The current UPB is xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 43549143 | xx | PH+SC | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/15/2025 | Not Applicable | Not Applicable | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,935.13 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,171.88 with an interest rate of 5.250%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the FC was initiated on the loan on xx/xx/2024. The complaint was filed on xx/xx/2024. As per the comment dated xx/xx/2024, the FC was closed as the loan was reinstated.<br> As per the comment dated xx/xx/2025, the RFD is curtailment of income.<br> As per the comment dated xx/xx/2024, the subject property occupied by unknown party.<br> As per the tape, the loan was modified on xx/xx/2020.<br> No details pertaining to the damage to the subject property have been observed.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:As per the comment dated xx/xx/2024, the FC was initiated on the loan on xx/xx/2024. The complaint was filed on xx/xx/2024. As per the comment dated xx/xx/2024, the FC was closed as the loan was reinstated.<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 5080780 | xx | PH+SC | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 05/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,214.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,431.39 with an interest rate of 7.125%. The current UPB reflected as per the tape is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the tape is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 48221426 | xx | PH+SC | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 05/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $9,495.82 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $8,351.97 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape data, the subject property is owner occupied.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 63415662 | xx | PH+SC | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Connecticut | xx | xx | xx |  | xx | xx |  |  |  |  |  |  |  | 04/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx |  |  |  |  |  | xx | xx |  |  |  |  |  |  |  |  | Not Applicable |  |  |  | Not Applicable |  |  |  | xx | xx |  | Not Applicable | Not Applicable |  |  |  |  |  | Not Applicable |  |  | Not Applicable |  |  |  |  |  |  |  | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,788.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,621.15 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No comments have been found regarding foreclosure and bankruptcy.<br> The RFD is unable to be determined. <br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape data, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 18474123 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nebraska | xx | xx | xx | Arizona | xx | xx | No | No | Not Applicable | Second |  | $0.00 | $719.50 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2338.75 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 48.557% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 in the amount of xx<br> There is an active prior mortgage against the subject property that originated on xx/xx/2023 in favor of xx which was recorded on xx/xx/2023. The loan amount is not mentioned on the mortgage document. <br> There is a prior civil judgment against the borrower in favor of xx, which was recorded on xx/xx/2024. The amount of judgment is not mentioned in the supportive documents.<br> There are two civil judgments found against the prior owner in favor of xx., recorded on xx/xx/2024 and xx/xx/2024. The amount of judgment is not mentioned in the supportive documents.<br> The 1st installment of county taxes for 2024 has been paid in the amount of $359.75 on xx/xx/2025.<br> The 2nd installment of county taxes for 2024 is due in the amount of $359.75 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment date is xx/xx/2025. According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $2,339.00 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 2.25 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the source of funds does not meet guidelines. Review of loan file shows bank statements in the loan file shows xx. Final CD shows cash to close requirement of $40K. Verified gifts of $42k satisfy the cash to close requirement. Further details not provided. Subject loan originated on xx/xx/2025. BWR has 2.25 years on the job as a xx, FICO 759 and $83K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/2025 and the SOL is 1-year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect Appraisal Re-Inspection fee. Final CD dated xx/xx/2025 reflects Appraisal Re-Inspection fee at $175.00. This is an increase in fee of $175.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2025 and the SOL is 1-year." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 63089864 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | 05/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1117.35 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 692 | Not Applicable | 29.659% | First | Title Search | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The subject property is a unit in a co-op.<br> According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 in the amount of xx<br> No active judgments or liens have been found.<br> This is a Co-op Property, with no taxes.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,117.35 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,117.35 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape data, the occupancy of the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been employed as senior director with the xx for 4 months. Previously, BWR was employed for 4.75 years with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Type of Ownership is Leasehold Or Cooperative (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan originated on xx/xx/2024 with a maturity date of xx/xx/2054. As per the lease agreement located at xx the ground lease is held by XX, and the leasehold expires on xx/xx/2035." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance is incomplete due to initial CD is missing from loan documents. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Intent to proceed is missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Seller tape shows the closing attorney misplaced the original assignment of lease from the seller to the buyer, and Chase would not accept a post-funding executed document. The investor was not willing to purchase, and the lender did not approve selling co-op loans to Freddie Mac. Further details not provided."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial CD is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from loan documents."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Settlement service providers list and purchase home loan toolkit is missing from loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 9153510 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | No | Not Applicable | First |  | $0.00 | $486.40 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1154.10 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.000% | 94.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 782 | Not Applicable | 41.435% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx. No active judgments or liens have been found. The combined annual taxes for 2024 were paid in the amount of $486.40 on xx/xx/2024. No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2025, we are unable to determine the next due date, the last payment received. The current P&I is $1,154.10 and the interest rate is 5.99%. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:Unable to determine the current status of the loan. According to payment history tape data as of xx/xx/2025, we are unable to determine the next due date, the last payment received. The current UPB reflected as per the payment history tape data is xx. As per the seller's tape data, the subject property is owner-occupied. Unable to determine the reason for default. No details pertaining to the damage to the subject property have been observed. No foreclosure activity has been found. No post-close bankruptcy record has been found. BWR has 7.08 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show BWR has only one open authorized user account. Review shows ATR confirmed as WVOE supports income."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 39773827 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5066.43 | 08/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3482.69 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 709 | 730 | 48.519% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $5,066.43 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,196.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,482.69 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> BWR1 has been SE for 15.08 years at XXX.<br> BWR2 has 1.75 years on the job as a receptionist with xx<br> Previously, BWR2 had 5 months on the job as a style consultant with XXX.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 48.51%. Tape shows income miscalculation. Review shows lender excluded liabilities and did not include rental loss in DTI. Revised DTI 62.58%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has been SE for 15.08 years at xx. BWR2 has 1.75 years on the job as a receptionist with xx, FICO 709, and $29K equity in the subject." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the qualified mortgage lending policy points and fees test due to the fees charged, xx, exceed the fees threshold of xx by +$259.66. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: xx Processing Fee paid by Borrower: $605.00 Underwriting Fee paid by Borrower: $995.00"<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to the fees charged, xx, exceed the fees threshold of xx by +$259.66. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: xx Processing Fee paid by Borrower: $605.00 Underwriting Fee paid by Borrower: $995.00" |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 29254067 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4286.57 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1307.58 | 4.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 776 | 704 | 41.819% | First | Final policy | Not Applicable | Not Applicable | 02/05/2024 | $254721.10 | Not Applicable | 4.125% | $1084.47 | 02/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2016 and recorded on xx/xx/2016 with xx<br> There is one state tax lien against the borrower, xx which was recorded on xx/xx/2024.<br> There are two civil judgments against the borrower, xx, in favor of the xx in the total amount of $210.00, which were recorded on xx/xx/2020 and xx/xx/2020.<br> There is one civil judgment against xx in favor of xx for the amount of xx, which was recorded on xx/xx/2024. The name of the defendant does not match the name of the borrower.<br> The first installment of combined taxes for 2025 has been paid in the amount of $4,286.58 on xx/xx/2024.<br> The second installment of combined taxes for 2025 is due in the amount of $4,286.57 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,279.45 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,084.47 with an interest rate of 4.125%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is collection.<br> According to the payment history as of xx/xx/2025, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2024, the reason for default is the illness of the mortgagor.<br> The loan was modified on xx/xx/2024.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the comment dated xx/xx/2024, the subject property was damaged. There were oxidational stains present, siding damage, and moss on the roof. No comment has been found regarding the estimated cost of repairs. No comment has been found regarding completion of repairs.<br> As per the comment dated xx/xx/2024, the subject property is occupied by an unknown party.<br>BWR1 has 9.5 months on the job as an installer with xx. BWR has prior employment experience as an installer with xx<br> BWR2 has 1.25 years on the job as a librarian with xx. Previously, BWR2 had 1.08 years on the job as a librarian with the xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx and the lender,xx, on xx/xx/2024. As per the modified term, the new principal balance is xx The monthly P&I is $1,084.47 with an interest rate of 4.125% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Missing Initial Closing Disclosure<br> Missing Initial LE<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 41.81%. Tape shows hourly wage income of BWR1 and BWR2 is not supported by 1-year history. Further details not provided. Lender defect. The subject loan originated on xx/xx/2016, and the 3-year SOL has expired. BWR1 has 9.5 months on the job as an installer with XXXX, BWR2 has 1.25 years on the job as a librarian with XXXX, FICO 704, and $34K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the New York subprime home loan initial loan estimate delivery date validation test, as the initial loan estimate delivery date is required to determine the fully indexed rate as used in the New York subprime home loan definition."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete, as the initial LE and initial CD are missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2016 and the 1-year SOL is expired."<br> \* Missing Initial Closing Disclosure (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial CD is missing from the loan documents."<br> \* Missing Initial LE (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial LE is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 24665485 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1286.02 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $735.67 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 50.000% | 50.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 777 | Not Applicable | 25.586% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $1,286.02 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $735.66 P&I, which was applied for the due date of xx/xx/2025. The current P&I is $735.67 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives VA benefits, non-educational income, and pension income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial LE<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows BWR intends to pay off the loan shortly after closing. Further details not provided."<br> \* Missing Initial LE (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial LE is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete, as the initial LE is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2023 and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 1362087 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $468.67 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $417.32 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 25.838% | 25.838% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | No | Not Applicable | Unavailable | 812 | Not Applicable | 35.799% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $468.67 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $417.32 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $417.32 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> Unable to determine the reason for default.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 10 months on the job as a xx. Previously, BWR was a xx for 14 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Flood Certificate<br> Initial 1003_Application<br> Missing Initial LE<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete, as the initial LE is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Missing flood cert (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The flood certificate is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial application signed by the loan originator is missing from the loan documents."<br> \* Missing Initial LE (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial LE is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The servicing transfer disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 35.79%. Tape shows income miscalculation revised DTI of 50%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has 10 months on the job as a xx FICO 812, 1X30 since inception, $200K equity in the subject, and $1,107 residual income. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 58653767 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3857.40 | 04/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $648.60 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 26.475% | 26.475% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 791 | 786 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 have been paid in the amount of $3,703.10 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,048.60 (P&I), which was applied for the due date of xx/xx/2025. The current P&I is $648.60 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR2 has 2.58 years on the job as an xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows a compliance error in disclosing the loan. Infinity compliance testing report does not fail any compliance tests. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 53499301 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | No | Not Applicable | First |  | $0.00 | $5600.49 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1171.31 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 36.517% | 36.517% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 785 | Not Applicable | 49.776% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with xx in the amount of xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $5,432.48 on 12/19/224.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,200.00, which was applied for the due date of xx/xx/2025. The current P&I is $1,171.31 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the property is owner-occupied.<br> BWR receives SSI and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.78%. The Lender miscalculated SSI. Lender defect. Revised DTI 54.56%. Subject loan originated xx/xx/2024 and the 3-year SOL is active. The BWR receives annuity, retirement and SSI, FICO 785, $2,335 residual income, 0X30 since inception and $340K equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 85749302 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1136.19 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1227.22 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.223% | 95.223% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 717 | Not Applicable | 43.186% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $1,136.19 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,227.22, which was applied for the due date of xx/xx/2025. The current P&I is $1,227.22 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 5 months on the job as a xx Previously, BWR had multiple jobs in the last two years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 43.18%. The tape shows the credit report expired prior to closing and an increased DTI of 46.44%. Further details not provided. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 5 months on the job xx FICO 717, 0X30 in the last 24 months, $16K equity in the subject, and $2,253 residual income. Review shows ATR confirmed."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 40851282 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $390.04 | 05/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1953.04 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 783 | 737 | 43.658% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $390.04 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,953.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,953.04 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 14.33 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The seller's tape data shows early payoff. The borrower inaccurately communicated that they were going to pay off the loan shortly after closing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 37413523 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7966.51 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2618.29 | 6.188% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 86.473% | 86.473% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 633 | Not Applicable | 42.143% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $7,966.51 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower has been delinquent with the loan for 1 month, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,580.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,618.29 with an interest rate of 6.188%. The current UPB reflected as per the payment history is xx. PH for the month of December 2024 shows a bulk payment in the amount of xx, which was applied for the due dates of xx/xx/2024 to xx/xx/2024. As per the comments dated xx/xx/2024, these are the borrower's payments. | Collections Comments:According to the servicing comments, the current status of the loan is collection. <br> According to payment history as of xx/xx/2025, the borrower has been delinquent with the loan for 1 month, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2024, the reason for default is curtailment of income. <br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> BWR has been SE as a realtor for 2.25 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 42.14%. Tape shows SE income miscalculation as the lender qualified BWR using only 1-year tax return instead of 2-year tax return. Revised DTI is 64.91%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023 and the 3-year SOL is active. BWR has been SE as a realtor for 2.25 years, FICO 633, $81K equity in the subject and $2154 residual income." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The seller's tape data shows EPD, borrower was revolving 30-day late, not insured. Borrower has a history of revolving late. According to payment history as of xx/xx/2025, the borrower has been delinquent with the loan for 1 month, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflects Transfer Taxes at $2,354.00. CD dated xx/xx/2023 reflects Transfer Taxes at $2,357.43. This is an increase in fee of +$3.43 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2023 and the 1-year SOL has expired."<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Mortgage insurance certificate is missing from loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 21328762 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3138.22 | 05/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1906.83 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 681 | 758 | 49.162% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> No active judgments or liens have been found.<br> The 2nd installment of combined taxes for 2024 is due in the total amount of $1,569.11 on xx/xx/2025.<br> The 1st installment of combined taxes for 2024 was paid in the amount of $1,569.11 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,491.34 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,906.83 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR1 has 11 months on the job as an outside account executive at xx. Previously, BWR1 had multiple jobs in the last 2 years.<br> BWR2 has been SE for 3.58 years at XXX.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.16%. The Lender used commission income with less than 1 year of earning commission. Lender defect. Revised DTI 64.80%. Subject loan originated xx/xx/2024 and the 3-year SOL is active. The BWR is employed with xx only for 11 months, BWR2 is xx for 3.7 years, FICO 681, 0x30 since inception, $1,730 residual income and $17K equity in the subject." |  |  |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 13273768 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Idaho | xx | xx | xx | Idaho | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $144.58 | 05/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2054.22 | 6.500% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | 97.015% | 97.015% | Full Documentation | Not Applicable | xx | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 653 | 684 | 55.315% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024 has been paid in the amount of $72.29 on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of $72.29 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,350.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,054.22 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> BWR1 receives VA benefits non-educational.<br> BWR2 receives pension and VA benefits non-educational.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject VA loan was approved at 55.32%. The Lender excluded liabilities. Lender defect. Revised DTI 65.81%. Subject loan originated xx/xx/2025 and the 3-year SOL is active. Both BWR's receive VA benefits and BWR2 also receives a pension, FICO 653, $3,147 residual income and $10K equity in the subject." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. The subject loan is a refinance, originated on xx/xx/2025, and the SOL is 3-year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2024 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2025 reflects Points - Loan Discount Fee at $3,497.00. This is an increase in fees of $3,497.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/2025, and the SOL is 3-year."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and review of the net tangible benefit worksheet show the BWR received no benefit through refinancing of the loan. Review of file shows BWR received $1490 cash at closing. Further details not provided." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 39559542 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oklahoma | xx | xx | xx | Oklahoma | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3723.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2305.45 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 28.242% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $3,723.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $2,305.45 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.25 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan approved without a FICO score on BWR and the home buyer education certificate is missing. Further details not provided." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed QM safe harbor threshold test due to APR calculated of 8.568% exceeds APR threshold of 8.160% over by +0.408%."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.904% exceeds APR threshold of 8.160% over by +0.744%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed OK xx Higher-Priced mortgage loan threshold test due to APR calculated of 8.904% exceeds APR threshold of 8.160% over by +0.744%."<br> \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at xx" the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at xx state that the manufactured home with serial # xx has been affixed to the permanent foundation." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 2792562 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $14646.45 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2807.41 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 51.724% | 51.724% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 747 | Not Applicable | 12.580% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with Instrument xx in the amount of xx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 have been paid in the amount of xx on xx/xx/2025.<br> The annual school taxes for 2024 are exempt.<br> No prior year's delinquent taxes have been found. | As per the seller's tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine last payment received date. The current P&I is $2,807.41, and the interest rate is 6.375%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the seller's tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per comment dated xx/xx/2024, occupancy of subject property is vacant.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 10.33 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Missing Required State Disclosures | xx | 4: Unacceptable | \* ComplianceEase State/Local Predatory Test Failed (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails the TX Constitution A6 Required Fees Test due to fees charged xx exceed fees threshold of $9,000.00 over by $3,937.50.<br> Discount point acknowledgment disclosure is available; the signed rate lock agreement and par rate pricing sheet are missing from the loan documents.<br> The below fees were included in the test: Appraisal Re-inspection fee paid by borrower: $175.00 Attorney fee paid by borrower: $200.00 Credit Report Fee paid by Borrower: $37.00 Guaranty Fee paid by Borrower: $2.00 Lender Fee paid by Borrower: $1,795.00 Mortgage Broker Fee paid by Borrower: $6,309.00 Points—Loan Discount Fee paid by Borrower: $3,937.50 Recording fee paid by borrower: $160.00 Settlement or Closing Fee paid by borrower: $250.00 Tax service fee paid by borrower: $64.00 Title Courier Fee paid by borrower: $8.00<br> Per statute, the 4-year SOL is active." | \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home equity loan interest and fees pre-closing disclosure is missing from the loan documents."<br> \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home equity loan notice of address for borrower notification of violation is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the calculated initial P&I amount does not match the initial P&I payment amount. Further details not provided."<br> \* Missing Required State Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file show the Texas F2 notice of home equity disclosure is missing from the loan documents, as receipt of the disclosure at least 12 days prior to closing is not evidenced in the file." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial CD is missing from the loan documents."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) because an APR calculated at 6.710% exceeds the APR threshold of 5.990% by +0.720%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d)."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file shows homeownership counseling disclosure is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file show initial CD is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows service providers list is missing. Review of the loan file shows service providers list is available in the loan documents." |  | Significant | Pass | Pass | No Result | Fail | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 85205751 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | Second | xx | $0.00 | $8906.20 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2500.28 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.960% | 96.976% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 701 | Not Applicable | 48.909% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> There is an active junior mortgage against the subject property, which was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx with the xx<br> There is a prior civil judgment against the borrower in favor of xx, which was recorded on xx/xx/2020 in the amount of xx<br> There is an active water lien against the subject property in favor of the xx, which was recorded on xx/xx/2024 in the amount of xx<br> The first and second installments of combined taxes for 2023 and 2024 have been paid in the amount of xx on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,671.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,500.28 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 15.91 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 48.90%. Tape shows unable to verify non-BWR spouse pays Ally Financial car payment. Lender defect. The subject loan originated on xx/xx/2024 and the 3-year SOL is active. BWR has 15.91 years on the job as axx FICO 701, 0X30 since inception and $13K equity in the subject. Review shows post=closing doc in file shows non-BWR spouse pays Ally. ATR confirmed."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.643% exceeds APR threshold of 8.440% over by +0.203%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 93116387 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1029.49 | 05/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1013.64 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 776 | Not Applicable | 49.654% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of xx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $1,029.49 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,330.02 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,013.64 with an interest rate of 6.630%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found related to damage or repairs.<br> As per the tape, the subject property is owner-occupied.<br> BWR has 3.25 years on the job as an xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.65%. Tape shows miscalculation of BWR's income. Credit docs in file corrupted; unable to review. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024 and the 3-year SOL is active. BWR has 3.25 years on the job as an xx FICO 776, 0X30 since inception and $6K equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 67958033 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6301.02 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2005.03 | 8.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 704 | 720 | 43.470% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx<br> There are 7 prior state tax liens against the borrower in favor of the xx, which were recorded on different dates in the total amount of xx<br> The first installment of combined taxes for 2024 has been paid in the amount of $3,465.56 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,665.33 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,005.03 with an interest rate of 8.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the occupancy is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> BWR1 has 7 months on the job as a xx. Previously, BWR had 8.25 years on the job as a xx<br> BWR2 has 4 months on the job as a xx BWR2 had multiple jobs in the past 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the assets does not meet the 3 months of minimum reserve required. Verified assets shortfall for closing. Bank statement shows xx in assets and the cash-to-close requirement is xx. Further details not provided. BWR1 has 7 months on the job as a xx and BWR2 has 4 months on the job as xx FICO 704."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test.<br> Initial LE dated xx/xx/2025 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2025 reflects Points - Loan Discount Fee at $1,281.00.<br> Initial LE dated xx/xx/2025 does not reflect Funding, Wire, or Disbursement Fee. Final CD dated xx/xx/2025 reflects Funding, Wire, or Disbursement Fee at $995.00. <br> This is a cumulative increase in fee of +$2,276.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2025 and the 1-year SOL is active."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling organizations disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing Appraisal (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan documents. Zillow search shows an estimated value of $XX. Current UPB is $251K."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.241% exceeding the APR threshold of 8.570% by +0.671%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d)." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 39410952 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Washington D.C. | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1463.80 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $964.09 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 20.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 694 | Not Applicable | 37.098% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2025 with xx<br> There is a civil judgment against the borrower in favor of xx, which was recorded on xx/xx/2025. The amount of the lien is not available on the supporting document.<br> The annual installment of county taxes for 2025 has been paid in the total amount of $1,463.80 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,288.84 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $964.09 with an interest rate of 7.125%. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 8.75 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject was approved as OO. Tape shows BWR did not move into subject right after closing. Tape shows BWR has since moved into the subject. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 37.09%. Tape shows the subject is NOO as BWR did not move into the property right after closing. Causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024 and the 3-year SOL is active. BWR has been SE for 8.75 years atxx FICO 694 and $15K equity in the subject."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 7.779% exceeding the APR threshold of 7.620% by +0.159%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 28270712 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Utah | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $850.60 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1240.12 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 780 | Not Applicable | 23.026% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $850.60 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, with the first payment date xx/xx/2025. According to the payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current monthly P&I is $1,240.12, and the rate of interest is 6.75000%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2025, with the first payment date xx/xx/2025. According to the payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> BWR has 1 month on the job as a xx Previously, BWR had 2.75 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the borrower's credit score is being assessed based on their role as an authorized user on an existing credit account. Review shows ATR confirmed."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance certificate is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 36616793 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | Other |  | $2146.53 | $12672.18 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2469.48 | 7.250% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | Yes | 709 | Not Applicable | 55.914% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx<br> There are 02 active mortgages against the subject property, which were recorded prior to the subject mortgage. The first prior mortgage was originated on xx/xx/2020 and recorded on xx/xx/2021 in the amount of xx with instrument xx, and the second prior mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 in the amount of xx with instrument xx<br> There are 04 credit card judgments against the subject borrower in favor of different plaintiffs, which were recorded on different dates in the total amount of xx<br> The 1st, 2nd, 3rd, and 4th installments of town taxes for 2024 and 2025 were paid in the total amount of $8,463.95 on xx/xx/2025.<br> The 3rd installment of town taxes has been partially paid in the amount of $0.96 on xx/xx/2025.<br> The 3rd installment of town taxes has a balance due in the amount of $454.24 on xx/xx/2025.<br> The 3rd installment of town taxes has been due in the total amount of $2,840.15, is due on xx/xx/2025.<br> The 1st and 2nd installments of town taxes for 2025 are delinquent in the total amount of $2,146.53, which were due on xx/xx/2025 and good through xx/xx/2025.<br> The annual utilities/MUD charges for 2025 have been delinquent in the amount of $1,912.21, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,324.15 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,469.48 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the property is owner-occupied.<br> BWR receives social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the state regulations for the prohibited fees test. <br> The following fee was included in the test:<br> Title CPL Fee paid by Borrower: $75.00."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan does meet the VA net tangible benefit for guaranty. Further details not provided. The file shows BWR received $13 cash at closing and no personal debts were paid off through the subject loan."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "VA loan guaranty certificate is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 55.91%. The tape reflects an increased DTI of 57%. Further details not provided. The subject loan originated on xx/xx/2025 and the 3-year SOL is active. BWR receives social security and retirement income. FICO 709, 0X30 since inception. Review shows ATR confirmed." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 50946257 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $798.41 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1958.66 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 100.880% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 705 | 678 | 49.201% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx.<br> There is an active junior mortgage against the subject property in favor of xx in the amount of xx which originated on xx/xx/2024 and recorded on xx/xx/2024 with the instrument # xx<br> The 1st and 2nd installments of county taxes for 2025 were paid in the total amount of $798.41 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,445.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,958.66 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $ xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. <br> The loan has not been modified since origination.The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has xx on the job as a xx at xx. BWR1 had prior employment experience in the same profession at xx for xx<br> BWR2 has xx on the job as a xx at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.20%. The lender used bonus and OT income without a xx history. Revised DTI xx. The subject loan originated on xx/xx/2024, and the xx SOL is active. The BWR is employed with xx as a xx for xx; BWR 2 is employed with xx as a xx for xx, FICO 685, $1,989 residual income, and $0K equity in the subject due to DPA." |  | \* LTV / CLTV > 100% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Collateral Value used for Underwriting: $XX. Amount of Secondary Lien(s): $XX Loan Amount: $XX. CLTV 100.880%. The current UPB is $284K."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 46236260 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3449.90 | 05/20/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4280.31 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 787 | Not Applicable | 42.043% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 have been paid in the amount of $3,449.90 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025 with the loan amount of $XX and the first payment date is xx/xx/2025. According to payment history tape data as of xx/xx/2025, the current P&I is $4,280.31 with an interest rate of 6.500%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2025 with the loan amount of $xx and the first payment date is xx/xx/2025. The current UPB is xx.<br> As per seller's tape data, the subject property is owner-occupied.<br> No details have been found regarding bankruptcy and foreclosure. <br> No details have been found regarding damage.<br> BWR has xx month on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report in the loan file is as-is. The photo addendum of the appraisal report shows the fireplace needs to be installed on the property. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows homebuyer education was not completed prior to the note date as required by the guidelines. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Revised Loan Estimate is missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The revised loan estimate dated xx/xx/2025 is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 58093354 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2344.51 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2066.97 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.400% | 94.400% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 758 | Not Applicable | 49.996% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $2,344.51 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,530.14 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $2,066.97, and the interest rate is 7.125%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has xx years on the job as xx at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.99%. Tape shows BWR changed her employment 4 days prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024 and the 3-year SOL is active. BWR has XX years on the job as a XX at XX, FICO 758, 0X30 since inception and $21K equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 75263161 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington D.C. | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4667.57 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5674.17 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 4 Family | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 49.955% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable |  |  |  |  |  |  | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2025 has been paid in the amount of $4,667.57 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,608.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,674.17 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx months on the job as an xx with thexx. Previously, BWR had X years on the job as an xx with thexx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the discount fee test due to fees charged, xx, exceeding the fees threshold of $9,338.50 by +xx. The below fees were included in the test: Commitment Fee paid by Borrower: $995.00 Document Preparation Fee paid by Borrower: $350.00 Points—Loan Discount Fee paid by Borrower: $2,326.27 Points—Loan Discount Fee paid by Seller: xx Processing Fee paid by Borrower: $595.00 Underwriting Fee paid by Borrower: $1,045.00" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.99% DTI. The Lender miscalculated rental income and relied on post-closing salary increase. Lender defect. Revised DTI 55.27%. Subject loan originated xx/xx/2024 and the XX SOL is active. The BWR is employed with the XX as an XX for XX FICO 759, $5,443 residual income, 0X30 since inception and $49.1K equity in the subject. BWR also has XX prior years as an XX at XX. Review shows ATR confirmed."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 87332234 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First | xx | $0.00 | $4935.64 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3747.22 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 753 | 654 | 49.582% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with xx<br> There is a state tax lien against the borrower in favor of the xx which was recorded on xx/xx/2018 in the amount of xx.<br> There is a prior child support lien against the borrower in favor of the County of xx, which was recorded on xx/xx/2019. Supportive document does provide the judgment amount. <br> The first installment of County taxes for 2024/2025 has been paid in the amount of $2,467.82 on xx/xx/2024.<br> The second installment of County taxes for 2024/2025 is due in the amount of $2,467.82 on xx/xx/2025.<br> The first installment of Utilities/MUD taxes for 2024/2025 is delinquent in the amount of $864.39 on xx/xx/2025.<br> The second installment of Utilities/MUD taxes for 2024/2025 is due in the amount of $785.82 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,820.32 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,747.22 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. <br> Unable to determine RFD. <br> As per tape data, the subject property has been occupied by the owner. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found. <br> BWR1 has xx years on the job as an xx at xx<br> BWR2 has xx years on the job as a xx at xx<br> BWR3 has been xx for xx at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.58%. The Lender miscalculated employment and rental income. Lender defect. Revised DTI 57.74%. Subject loan originated xx/xx/2024 and the 3-year SOL is active. The BWR is employed with xx as a xx for xx years, BWR 2 is xxin a xx for xx and BWR 3 is employed with xx for xx , FICO 654, $5,007 residual income and $61.8K equity in the subject." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 does not reflect Mortgage Broker Fee. Final CD dated xx/xx/2024 reflects Mortgage Broker Fee at xx. This is an increase in fee of +xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL is active.<br>TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/2024. Initial CD dated xx/xx/2024 reflects lender credit at $6,602.09. Final CD dated xx/xx/2024 reflects lender credit at $3,860.03. This is decrease of $2,742.06 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL is active."<br> \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of $994.78." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 3474660 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3641.50 | 6.500% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | 98.821% | 98.821% | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 561 | 582 | 44.013% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with Instrument # xx in the amount of $xx with xx<br> There is an active prior UCC lien found against the subject property in favor ofxx which was recorded on xx/xx/2024.<br> The first and second installments of city taxes for 2025 are exempt.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,778.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,641.50 with an interest rate of 6.500%. The current UPB reflected as per payment history is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 receives VA compensation and social security income. BWR2 has xx on the job as a xx with xx as xx. Additionally, BWR2 receives social security and caregiver income. Previously, BWR2 had xx years on the job as an xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject VA loan was approved at 59.77%. The lender added BWR2's income two times. Lender defect. Revised DTI 61.79%. The subject loan originated x/x/25, and the xx SOL is active. BWR receives SSI & VA benefits, BWR2 receives SSI and income for caring for BWR1 through xx for xx, FICO 561, 0X30 since inception, and $6K equity in the subject." | \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test, as the finance charge disclosed on the final CD was xx. The calculated finance charge is xx for an undisclosed amount of -$300.05. <br> The loan failed the TILA foreclosure rescission finance test, as the finance charge disclosed on the final CD was xx. The calculated finance charge is xx for an undisclosed amount of -$265.05. <br>Subject loan is refinance case, originated on xx/xx/2025 and the SOL is 3 years."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "VA guaranty certificate is missing from the loan documents." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 93799404 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1322.00 | 05/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1463.04 | 6.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 98.188% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 764 | 619 | 56.522% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024-2025 has been paid in the amount of $661.00 on xx/xx/2025.<br> The second installment of county taxes for 2024-2025 is due in the amount of $661.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1735.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,463.04 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found<br> BWR1 has been xx as a xx for xx years. Additionally, BWR1 receives child support income.<br> BWR2 has xx years on the job as an xx at xx. Previously, BWR2 had xx years on the job as an xx at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject FHA loan was approved at 56.52% DTI. The Lender excluded a payment on a large charge-off account as required by DU. Revised DTI 64.21%. Lender defect. Subject loan originated xx/xx/2024 and the 3-year SOL is active. The BWR is xx with xx for xxyears, BWR 2 is employed withxx as an xx for xx years FICO 619, $2,084 residual income, 0X30 since inception and $4,300 equity in the subject." | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file show the revised LE and initial CD were issued on same date. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the revised LE delivery date test due to the revised loan estimate delivery date is same as the initial CD delivery date."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $5,408.00. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $5,467.54.<br> Loan estimate dated xx/xx/2024 reflects Appraisal Fee at $575.00. CD dated xx/xx/2024 reflects Appraisal Fee at $750.00.<br> This is a cumulative increase in fee of $234.54 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL is active.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $1,040.00. CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $1,391.50. This is a cumulative increase of $247.50 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL is active."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA MI certificate is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 38797513 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | First |  | $0.45 | $4431.08 | 06/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1841.85 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 60.752% | 60.752% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 715 | 757 | 48.704% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument #xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The first, second, third, and fourth (partial payment) installments of county taxes for 2025 have been paid in the total amount of $4,430.63.<br> The fourth installment (remaining amount) of county taxes for 2025 is delinquent in the amount of $0.45, which is good through xx/xx/2025. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,841.85 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,841.85 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape data, the subject property is occupied by an unknown party.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has xx years on the job as a xx at xx<br> BWR2 has been self-employed as a xx for xx years<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 48.26% DTI. The Lender did not obtain 2 years tax returns for BWR2's SE or obtain evidence the business has been operating for 5 years. Lender defect. Revised DTI unknown. Subject loan originated X/X/25 and the 3-year SOL is active. BWR1 is employed with xx as a xx for X years, BWR2 is SE xx purportedly for xx years, FICO 715, and $176.6K equity in the subject." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 35973583 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kentucky | xx | xx | xx | Kentucky | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1870.75 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1193.81 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 72.917% | 72.917% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 738 | Not Applicable | 37.431% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument # xx in the amount of $xxwith xx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 have been paid in the amount of $1,870.75 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,526.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,193.81 with an interest rate of 7.250%. The current UPB reflected as per payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has X months on the job as an X at X. BWR has prior employment experience as a X with X between xx/xx/2023 and xx/xx/2024 for X months. BWR's prior employment experience as a X with X between xx/xx/2022 and xx/xx/2023 for X years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject property is a manufactured home, and the subject loan closed at 72% LTV with the 30-year term that exceeds the maximum LTV of 65% and the term of 20 years for a manufactured home." | \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at "X," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at X" state that the manufactured home with serial # xx has been affixed to the permanent foundation." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 26820404 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5370.59 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2302.78 | 6.250% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 618 | Not Applicable | 43.056% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with the instrument #xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $5,155.77 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,475.40 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,302.78 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR receives VA benefits and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject VA loan was closed with LP Refer findings at 44% DTI due to credit history, LTV of 100% and DTI. The Lender did not obtain LOE's for prior delinquency on a mortgage that was modified with significant late payments and multiple charge-off accounts. In addition, the first payment on the current mortgage was payable\*/2024 and the BWR opened 2 new installment accounts in \*/2025. Lender defect. Subject loan originated xx/xx/2025 and the 3-year SOL is active. The BWR receives VA Benefits and Pension income, FICO 618, and has $0 equity in the subject." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed Loan Origination Fee Test due to fees charged $4,595.00 exceed fees threshold of $3,740.00 over by +$855.00.<br> The below fees were included in this test:<br> Engineer Certification paid by Borrower: $600.00<br> Mortgage Broker Fee paid by Borrower: $3,025.00<br> Rate Lock Fee paid by Borrower: $95.00<br> Settlement or Closing Fee paid by Borrower: $450.00<br> Title - Document Storage/ Archive paid by Borrower: $75.00<br> Well and Septic Inspection paid by Borrower: $350.00."<br> \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$1,919.84. Subject loan is a refinance case, originated on xx/xx/2025 and the 3-year SOL is active.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$1,884.84. Subject loan is a refinance case, originated on xx/xx/2025 and the 3-year SOL is active.<br>TRID total of payment disclosed on final CD as xx. Calculated total of payments is xx for an under disclosed amount of -$285.00. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100. Subject loan is a refinance case, originated on xx/xx/2025 and the 3-year SOL is active."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2025 does not reflect Rate Lock Fee. CD dated xx/xx/2025 reflects Rate Lock Fee at $95.00.<br> Loan estimate dated xx/xx/2025 reflects Transfer Taxes at $1,980.00. CD dated xx/xx/2025 reflects Transfer Taxes at $2,057.00.<br> This is a cumulative increase in fee of $172.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/2025 and the 3-year SOL is active.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2025 reflects the sum of Section C fees and Recording fee at $3,583.00. CD dated xx/xx/2025 reflects the sum of Section C and Recording fee at $4,243.75. This is a cumulative increase of $302.45 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/2025 and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "In VA refinance loans, there should be a waiting period or gap between the 210-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied. and the loan is short for 13 days." | \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at X the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at X" state that the manufactured home with serial # xx has been affixed to the permanent foundation." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 97661630 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4735.86 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1824.95 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Primary | Yes | Yes | No | 775 | Not Applicable | 42.083% | First | Commitment | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument #xx in the amount of $xx with xx<br> There is a prior mechanics lien against the subject property in favor of xx<br> The annual installment of county taxes for 2024 has been paid in the amount of $4,546.42 on xx/xx/2024.<br> No prior year's delinquent taxes have been found.<br>| The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:According to the tape, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx.<br> As per the seller's tape, the subject property is owner-occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Property Marketability Issues (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject condo project is non-warrantable. A review of the condo questionnaire shows a special assessment of $XX is planned for paying the loan that funded the roof replacement, parking lot project, and replacement of light fixture repairs. Further details not provided. Elevated for client review." | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the compliance delivery and timing test for the revised CD dated xx/xx/2025. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2025, which is after the consummation date of xx/xx/2025."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID violation is due to a decrease in lender credit on the closing disclosure dated xx/xx/2025. The initial LE dated xx/xx/2025 reflects a lender credit of $210.25, and the final CD dated xx/xx/2025 reflects a lender credit of $0.00. This is a decrease of +$210.25 for a fee that has a 0% tolerance test.<br>The subject loan is a purchase originated on xx/xx/2025, and the SOL is 1 year." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 98478217 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3744.40 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $877.91 | 6.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 72.243% | 72.243% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 666 | Not Applicable | 49.746% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with xx<br> There is a code enforcement lien against the subject property in favor of xx., which was recorded on xx/xx/2018 in the amount of $6,940.95.<br> There is a prior credit card judgment active in favor of xx in the amount of $2,420.85, recorded on xx/xx/2018.<br> The 3rd and 4th installments of town taxes for 2025 have been paid in the amount of $1,872.20 on xx/xx/2025 and xx/xx/2025.<br> The annual installment of utility/MUD charges for 2025 is due in the amount of $198.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,340.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $877.91 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to servicing comments, the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx months on the job as a xx with xx. Previously, BWR had xx years on the job as a xx with xx<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan was not insured due to loan amount miscalculation. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA mortgage insurance certificate is missing from the loan documents." | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed state regulations for prohibited test.<br> Below fees were included in the test:<br> Title - E Doc Fee paid by Borrower: $50.00<br> Title - Tax Certification Fee paid by Borrower: $50.00" |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 32380238 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1282.66 | 06/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1789.81 | 6.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 690 | Not Applicable | 41.071% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument# xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024-2025 have been paid in the amount of $1,282.66 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,142.16 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,789.81 and the interest rate is 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2024, the subject property is owner occupied. <br> The loan has not been modified since origination.<br> As per the comment dated xx/xx/2025, the subject property was damaged due to water on xx/xx/2024. The property needs repairs. The insurance claim was filed in the amount of xx, and the loss draft check was received in the amount of xx on xx/xx/2025. No details have been found regarding completion of repairs.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has xx years on the job as a xx with xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS<br> Mortgage Insurance<br> Transmittal (1008) | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan failed the FHA's 90-day flipping rule. The review of the appraisal report shows the date of the prior sale or transfer is xx/xx/2024 in the amount of $200K. The subject's appraised value on xx/xx/2024 was $XX. Zillow search shows an estimated value of $XX. Current UPB is $281K."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "AUS report is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Transmittal summary is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $14466.57 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 79043529 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4718.06 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1412.11 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 68.092% | 68.092% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 730 | Not Applicable | 49.792% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with xx<br> There is a state tax lien against the borrower in the amount of $3,929.11 in favor of xx, which was recorded on xx/xx/2024.<br> The first and second installments of county taxes for 2024 have been paid in the total amount of $4,718.06 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,902.83 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,412.11 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR receives social security and retirement income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $6,882.00 exceed fees threshold of $5,985.59 over by +$896.41.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,382.00<br> Processing Fee paid by Borrower: $1,125.00<br> Underwriting Fee paid by Borrower: $375.00."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $6,882.00 exceed fees threshold of $5,985.59 over by +$896.41.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,382.00<br> Processing Fee paid by Borrower: $1,125.00<br> Underwriting Fee paid by Borrower: $375.00."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* ROR not hand dated by borrower(s) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand-dated by the borrower." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.79%. Tape shows undisclosed debt opened prior to closing. Revised DTI is 62.59%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR receives social security and retirement income, FICO 730, 0X30 since inception, $99K equity in the subject, and $1,446 residual income." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 95574869 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9423.46 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3180.47 | 6.625% | 240 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 67.584% | 67.584% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 747 | Not Applicable | 48.585% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx / xx in the amount of $xx with xx<br> There is a junior mortgage in the amount of $xx which was recorded on xx/xx/2025 in favor of xx<br> The annual 1st and 2nd installments of town taxes for 2024 have been paid in the amount of $4711.73 on xx/xx/2025 and xx/xx/2025.<br> The annual installment of utility charges for 2024 is delinquent in the amount of $495.19 with good through xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,123.14 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,180.47 with an interest rate of 6.62500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The RFD is unable to be determined.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> BWR has xx years on the job as a xx at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Hazard Insurance | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $XX. Current UPB is $402K."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fee was included in the test:<br> Processing Fee paid by Lender: $1,500.00."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance is missing from the loan documents."<br> \* ROR not hand dated by borrower(s) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand-dated by the borrower." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 48.58%. Tape shows undisclosed debt opened prior to closing. Revised DTI is 60.88%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has XX years on the job as a XX at XX, a FICO score of 747, 1X30 since inception, and $5,012 residual income." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 25432886 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3705.56 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1190.93 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 699 | 739 | 42.872% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of xx with xx.<br> No active judgments or liens have been found.<br> The annual 1st and 2nd installments of county taxes for 2024 have been paid in the amount of $3705.56 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,668.41 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,190.93 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the property is owner-occupied.<br> The occupancy is unable to determine.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has xx months on the job as a laborer at xx. Previously, BWR was a full-time student at xx for X months and prior to that, BWR was a xx at xx for X years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is subject to the completion of missing drywall and is considered a safety issue. The photo addendum of the appraisal report shows missing drywall in the kitchen. The estimated cost to cure is $XX. Available 1004D do not confirm the repairs are completed. The updated 1004D confirming repairs have been completed is missing from the loan documents and the final CD does not reflect the cost to cure amount."<br> \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject approved as OO. Tape shows BWR1 did not occupy the subject, and only BWR2 occupies the property. Further details not provided. Elevated for client review." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on CD dated xx/xx/2024. Initial CD dated 008/XX/2024 reflects lender credit at $411.70. Final CD dated xx/xx/2024 reflects lender credit at $72.00. This is decrease of -$339.70 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL is active."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 42.87%. Tape shows undisclosed debt opened prior to closing. Revised DTI is 75%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024 and the 3-year SOL is active. BWR has X months on the job as a X at X, FICO 699, 0X30 since inception, $7K equity in the subject and $1,170 residual income."<br> \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD dated xx/xx/2024 reflects cash to the amount of $0.34." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 72774715 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5287.32 | 05/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1096.91 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 45.941% | 45.941% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 581 | 677 | 33.859% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument #xx in the amount of $xx with xx<br> There are 3 prior civil and credit card judgments active against the borrower, xx, in favor of different plaintiffs in the amounts of $700.00, $1235.31, and $852.85, which were recorded on xx/xx/2003, xx/xx/2009, and xx/xx/2009. <br> The first and second installments of town taxes for 2025 have been paid in the total amount of $2,643.66 on xx/xx/2025 and xx/xx/2025, respectively.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,713.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,096.91 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape data, the subject property is owner-occupied. <br> BWR1 has been xx years on the job as an unknown with xx BWR 2 has been xx years on the job as an employee with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 33.85%. Tape shows BWR2 was released from the liability on the subject note. Revised DTI is 92%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR1 has been on the job for xx with xx BWR 2 has been on the job for xx years with xx and FICO 581." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the state regulations for the first lien prohibited fees test.<br> The following fees was included in the test:<br> Processing Fee paid by Borrower: $1,500.00"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx/xx/2025. Initial LE dated xx/xx/2025 reflects Points - Loan Discount Fee and Processing Fee<br> at $2,816.00 and $1,408.00. Final CD dated xx/xx/2025 reflects Points - Loan Discount Fee and Processing Fee at $3,215.90 and $1,500.00. This is fee increase of total $491.90 for 0% tolerance test. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is refinance case, originated on xx/xx/2025 and the SOL is 3 years."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $4,715.90 exceeds fees threshold of $4,667.03 over by +$48.87. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,215.90<br> Processing Fee paid by Borrower: $1,500.00<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $4,715.90 exceeds fees threshold of $4,667.03 over by +$48.87. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,215.90<br> Processing Fee paid by Borrower: $1,500.00"<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 99329844 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2878.67 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2133.64 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 3 Family | xx | xx | Primary | Yes | Yes | No | 792 | Not Applicable | 49.047% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The 2024 county annual taxes were paid in the amount of $2,763.52 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,709.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,133.64 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is illness of the mortgagor.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has xx years on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Required Disclosures | xx | 3: Curable |  | \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Your home loan toolkit / acknowledgment / disclosure tracking is missing in the loan file." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.04%. Tape shows undisclosed debt opened prior to closing. Revised DTI is 59.51%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 7 years on the job as a cashier assistant with Costco Wholesale Corporation, FICO 792, 1X30 since inception, $22K equity in the subject, and $2,271 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect the loan origination fee. CD dated xx/xx/2024 reflects a loan origination fee of $4,894.02. This is an increase in fees of $4,894.02 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2024. The initial LE dated xx/xx/2024 reflects lender credit at $625.00. The final CD, dated xx/xx/2022, reflects lender credit at $0.00, this is a decrease of $625.00 for a fee that has a 0% tolerance test.<br>Subject loan is a purchase case that originated on xx/xx/2024, and the SOL is 1 year."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged xx, exceeds fees threshold of xx Over by +$2,658.24. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $4,894.02<br> Mortgage Broker Fee (Indirect) $6,735.00<br> Underwriting Fee paid by Borrower: $1,050.00" |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 34343409 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5909.65 | 05/28/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1804.39 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 746 | 782 | 36.293% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with Book/Page # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were paid in the amount of $5,909.65 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,468.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,804.39 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Borrower has xx years on the job as an xx with xx<br> Co-borrower has been xx for xx years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the qualified mortgage lending policy points and fees test due to fees charged, $8,276.38, exceed the fees threshold of $7,760.34 by +$516.04. The below fees were included in the test: Mortgage Broker Fee (Indirect) $7,184.38 Points—Loan Discount Fee paid by Borrower: $1,092.00"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2025 reflects points—loan discount fee at $381.00. CD dated xx/xx/2025 reflects points—loan discount fee at $1,092.00. This is an increase in fee of +$711.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The TRID violation is due to a decrease in lender credit on the closing disclosure dated xx/xx/2025. The revised LE dated xx/xx/2025 reflects a lender credit of $1,085.40. The final CD, dated xx/xx/2025, reflects the lender at $0.00. This is a decrease of +$1,085.40 for a fee that has a 0% tolerance test.<br>Subject loan is a purchase case originated on 0xx/xx/2025, and the 1-year SOL is active."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged, $8,276.38, exceed the fees threshold of $7,760.34 by +$516.04. The below fees were included in the test: Mortgage Broker Fee (Indirect) $7,184.38 Points—Loan Discount Fee paid by Borrower: $1,092.00"<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows BWR2 did not sign all required application documents. Review of the file shows BWR2 has not signed the initial application document."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The hazard insurance certificate is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 70350498 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2069.18 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1313.55 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 733 | Not Applicable | 42.769% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with Book/Page #xx in the amount of $xx with xx<br> No active judgments or liens have been found. <br> The annual installment of combined taxes for 2024 has been paid in the amount of $2,069.18 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,707.76 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,313.55 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> The appraisal report is as is, and the photo addendum shows that the property needs repairs for the damaged tile floor in the rec room. CCs do not show damage to the subject property.<br> BWR has been xx for xx years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as-is. The photo addendum of the appraisal report shows damaged and broken tile floor in the rec room that is a safety concern. The estimated cost to cure is $1,500. 1004D is missing from the loan documents and the final CD does not reflect the escrow holdback amount." | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $6,420.37 exceed fees threshold of $5,746.25 over by +$674.12. <br> The following fees were included in the test:<br> Mortgage Broker Fee (Indirect) $4,581.80<br> Points - Loan Discount Fee paid by Borrower: $1,838.57.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $6,420.37 exceed fees threshold of $5,746.25 over by +$674.12. <br> The following fees were included in the test:<br> Mortgage Broker Fee (Indirect) $4,581.80<br> Points - Loan Discount Fee paid by Borrower: $1,838.57." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 42.76%. Tape shows alimony and child support income was not included in DTI. Revised DTI is 67%. Lender defect. The subject loan originated on xx/xx/2023 and the 3-year SOL is active. BWR has been XX for XX years at XX, FICO 733, $8K equity in the subject and $854 residual income. Review shows ATR confirmed."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $1500.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 27678535 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $3537.48 | xx | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $993.01 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 626 | Not Applicable | 44.979% | First | Final policy | Not Applicable | Not Applicable | Unavailable | $193329.59 | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2018 and recorded on xx/xx/2018 with instrument # xx in the amount of $xx with xx No active judgments or liens have been found. The county taxes for 2024 have been paid in the amount of $3,537.48 on xx/xx/2024. The water sewer charges have been delinquent in the total amount of $247.09, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,437.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $678.24 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx and the deferred balance is $XX The deferred agreements dated xx/xx/2023 & xx/xx/2025 are located at XX . The payment history reflects that the due dates were advanced from xx/xx/2024 to xx/xx/2025 due to these deferred agreement. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx and the deferred balance is $xx. The deferred agreements dated xx/xx/2023 & xx/xx/2025 are located at xx. The loan was modified on xx/xx/2021. The tape data reflects that the loan was modified on xx/xx/2025 with a UPB of xx. The modification agreement is missing from the loan file. The comment dated xx/xx/2024 reflects that the reason for default is curtailment of income. No details pertaining to the damage to the subject property have been observed. As per the comment dated xx/xx/2025, the foreclosure was put on hold for loss mitigation. Further details not provided. No post-close bankruptcy record has been found. BWR has xx years on the job as a xx at xx<br> Foreclosure Comments:As per the comment dated xx/xx/2025, the foreclosure put on hold for loss mitigation. Further details not provided. <br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a P&I of $993.01, a rate of interest of 5.625%, and a maturity date of xx/xx/2048. The P&I, as per payment history tape data, is $678.24, and the rate of interest is 2.875%. There is a difference in P&I and rate of interest with respect to the note. As per the modification agreement dated xx/xx/2021 located at XX ," the P&I and interest rate are the same as the current P&I and interest rate. The tape data reflects that the loan was modified on xx/xx/2025 with a UPB of $198,774.00. The modification agreement is missing from the loan file. | Hazard Insurance | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 44.97%. Tape shows income miscalculation. Revised DTI is 50%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2018, and the 3-year SOL has expired. BWR has X years on the job as a XX at XX, FICO 626, $45K equity in the subject, and $902.46 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as xx. The calculated finance charge is xx for an under disclosed amount of -$6178.64. Loan failed TILA foreclosure rescission finance charge of xx exceeds the disclosed finance charge of xx by -$6,143.64. Loan failed the TILA APR test because the APR calculated at 5.741% exceeds the APR threshold of 6.076% by -0.335%. The subject loan is a refinance case that originated on xx/xx/2018, and the SOL of 3 years has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges in total cannot increase more than 10% in the tolerance test. The LE dated xx/xx/2018 reflects the sum of Section C fees and recording fees at $1,995.13. The CD dated xx/xx/2018 reflects the sum of Section C and the recording fee at $0.00. This is a cumulative increase of $1,995.13 for charges that in total cannot increase more than 10% test. COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case that originated on xx/xx/2018, and the SOL of 3 years has expired."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated at 6.076% Exceeds APR threshold of 6.070% by +0.006%. Subject loan is escrowed."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance is missing from the loan file."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 44.97%, as the borrower's income is $4,012.80 and total expenses are in the amount of $1,805.73. The loan was underwritten by AUS XX and its recommendation is "Approve/Eligible" with a DTI of 44.99%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 18323198 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4995.90 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1079.61 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.872% | 94.872% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 711 | Not Applicable | 35.826% | First | Final policy | Not Applicable | Not Applicable | 06/01/2024 | $191500.85 | $7200.00 | 5.750% | $982.12 | 07/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument #xxin the amount of $xx with xx<br> There is a child support lien against the borrower in favor of the Office of the Attorney General by assignment from xx, which was recorded on xx/xx/2023 in the amount of $9,960.00.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $4,995.90 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,734.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $982.12 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. The due dates were advanced from xx/xx/2024 to xx/xx/2024 due to modification. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan was modified on xx/xx/2024.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2025, the reason for default is excessive obligation.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been xx with xx for xx years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, XX and the lender, XX, on xx/xx/2024. As per the modified term, the new principal balance is $XX . The interest-bearing amount is $XX , and the deferred amount is $XX The monthly P&I is $982.12 with an interest rate of 5.750% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no principal forgiven amount. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 35.82%. The tape shows the lender did not include child support debt properly in DTI calculations. The revised DTI is 48.96%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has been XX with XX for 4.67 years, FICO 711, $11K equity in the subject, and $2,462 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflects appraisal fee at $790.00. Final CD dated xx/xx/2022 reflects appraisal fee at $930.00. This is an increase in fee of $140.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2022 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by borrower is missing from loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 45810620 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4831.46 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1597.16 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 767 | Not Applicable | 50.312% | First | Final policy | Not Applicable | Not Applicable | 09/30/2024 | $293429.82 | $17800.00 | 5.875% | $1492.60 | 11/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument # xx in the amount of $xx with xx<br> There is a civil judgment active against the borrower xx in favor of xx in the amount of $8,446.66 on xx/xx/2022.<br> The annual county taxes for 2024 have been paid in the amount of $4,831.46 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,398.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,492.60 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2023, the RFD is a disaster.<br> The loan was modified on xx/xx/2024.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2023, the subject property was damaged due to a flood on xx/xx/2023. The estimated cost of repairs is $xx. As per the exterior inspection reports dated xx/xx/2023 and xx/xx/2024 located at xx " and xx" the subject property is in good condition with no damages having been reported. The interior inspection report is required to validate the repairs. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been xx for xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, XX and the lender, XX on xx/xx/2024. As per the modified term, the new principal balance is $XX The monthly P&I is $1,492.60 with an interest rate of 5.875% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. Tape shows the subject is NOO due to misrepresentation. Elevated for client review."<br> \* Subject Property has been determine uninhabitable/Unsuitable to live in (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "As per the comment dated xx/xx/2023, the subject property was damaged by flooding and not livable. As per the comment dated xx/xx/2023, the subject property was damaged due to a flood on xx/xx/2023. The estimated cost of repairs is xx. No evidence has been found for repairs completion." | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged: xx fees threshold: $7,773.08 over by +$2,276.92. The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $8,775.00<br> Processing Fee paid by Borrower: $900.00<br> Underwriting Fee paid by Borrower: $375.00<br>The loan failed the qualified mortgage lending policy points and fees test due to fees charged of xx, exceeding the fees threshold of $7,773.08 over by +$2,276.92. The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $8,775.00<br> Processing Fee paid by Borrower: $900.00<br> Underwriting Fee paid by Borrower: $375.00"<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 50.31%. Tape shows subject is NOO due to misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has been SE for 10 years with xx, FICO 767, and $25K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2022 reflects Points - Loan Discount Fee at $8,100.00 and Appraisal Fee at $650.00. The final CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $8,775.00 and Appraisal Fee at $835.00. This is an increase in fees of $860.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/2022, and the SOL of 1 year has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $72074.43 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 34133007 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7361.54 | xx | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $592.29 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.283% | 95.283% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 709 | Not Applicable | 32.471% | First | Final policy | Not Applicable | Not Applicable | 03/01/2025 | $88814.57 | $9096.81 | 6.625% | $473.83 | 04/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual 1st installment of combined taxes for 2024 has been paid in the amount of $3,680.77 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,324.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $473.83 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx and deferred balance is $9,096.81. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The RFD is unable to be determined.<br> As per the comment dated xx/xx/2024, the foreclosure was initiated. The loan was modified and FC was placed on hold. <br> No post-close bankruptcy record has been found.<br> The loan was modified on xx/xx/2025.<br> As per the comment dated xx/xx/2025, the property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has xx years on the job as a xx with xx<br> Foreclosure Comments:As per the comment dated xx/xx/2024, the foreclosure was initiated. The loan was modified and FC was placed on hold. <br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower XX and the lender XX on xx/xx/2025. As per the modified term, the new principal balance is $XX The monthly P&I is $473.83 with an interest rate of 6.625%, beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is deferred balance in the amount of $XX and interest bearing amount is $XX The loan has been modified once since origination. |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 32.47%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the XX-year SOL is active. BWR has XX years on the job as a XX with XX, FICO 709, and $10K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2023 does not reflect Points - Loan Discount Fee. Final CD dated 0xx/xx/2023 reflects Points - Loan Discount Fee at $679.00. This is an increase in fee of +$679.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on Closing Disclosure dated 0xx/xx/2023. Initial LE dated xx/xx/2023 reflects lender credit at $44.00. Final CD dated 0xx/xx/2023 reflects lender credit at $1.00. This is decrease of +$43.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br>The subject loan is a purchase case, originated on 0xx/xx/2023 and the XX-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 50845 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4880.97 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 800 | 787 | 45.683% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,698.29 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,480.97 with an interest rate of 7.250%. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has xx years on the job as an xx at xx<br> BWR2 has xx years on the job as a xx at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is as-is. The photo addendum of the appraisal report shows missing smoke & carbon monoxide detector. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents and the final CD does not reflect the escrow holdback amount."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 45.68%. Tape shows the lender miscalculated BWR2's income. Lender defect. Revised DTI 56.23%. Subject loan originated on xx/xx/2024 and the 3-year SOL is active. BWR1 has been employed with XX as an XX for X years; BWR2 has been employed with XX as a therapist for XX years, FICO 787, 0X30 since inception, $8,545 residual income and $79.5K equity in the subject. The payments on the loan are current."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Pennsylvania license validation test.<br>Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of -$125.05. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $7,155.00. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $8,943.75 Loan estimate dated xx/xx/2024 reflects Credit Report Fee at $150.00. CD dated xx/xx/2024 reflects Credit Report Fee at $209.00 This is a cumulative increase in fees of +$1,847.75 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 69649019 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2841.44 | 06/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1750.06 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 775 | Not Applicable | 49.674% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2025 have been paid in the total amount of $2,841.44 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,223.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,750.06 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is investment.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved 50%. The lender excluded the departing residence payment that was pending sale. Lender defect. Revised DTI 63.43%. The subject loan originated xx/xx/2025, and the xx-year SOL is active. BWR has been employed with xx for xx years with an unknown title, FICO 775, $2,582 residual income, and $66K equity in the subject." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 90959756 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $882.00 | 06/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1024.50 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 51.613% | 51.613% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 798 | Not Applicable | 27.998% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with xx<br> No active liens or judgments have been found.<br> The annual county taxes for 2024 have been paid in the amount of $613.00 on xx/xx/2025.<br> The annual city taxes for 2024 have been paid in the amount of $269.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,241.67 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,024.50 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to servicing comments, the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as an xx of xx at xx. Additionally, BWR has been xxas a xx for xx years and has xx years on the job as a xx at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and PH shows an EPD but is now current. The borrower made the true 1st payment on time. The first payment (1/1) due to the investor was made on 2/3. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 62996461 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Not Applicable | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $508.68 | 06/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1215.32 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 63.793% | 63.793% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 661 | Not Applicable | 35.738% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with Instrument # xx in the amount of xx<br> There is an active prior mortgage against the subject property originated on xx/xx/1977 and recorded on xx/xx/1977 with Instrument # xx in the amount of $xx, with the lender xx, an xx<br> The annual county taxes for 2024 have been paid in the amount of $525.64 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,362.79 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,215.32 with an interest rate of 6.875%. The current UPB reflected as per payment history is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx months on the job as a xx with xx. Additionally, BWR has xx years on the job as a xx with xx on xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 40.72%. The tape shows BWR is employed by a family member, and the lender did not obtain tax returns. Further details not provided. The revised DTI is 46.82%. Lender defect. The subject loan originated on xx/xx/2025, and the xx SOL is active. BWR has xx months on the job as a xx with xx. Additionally, BWR has xx years on the job as xx with xx on xx, FICO 661, 0X30 since inception, $105K equity in the subject, and $1,763 residual income." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Compliance failing for State Regulations AZ License Validation Test."<br> \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as xx. The calculated finance charge is xx for an undisclosed amount of $5,622.24."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges in total cannot increase more than 10% in the tolerance test. LE dated xx/xx/2025 reflects the sum of Section C fees at $2,473.00. The CD dated xx/xx/2025 reflects the sum of the section fee at $1,824.90. This is a cumulative increase of $648.1 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and file show the subject condo project is in a flood zone, and the flood insurance was not obtained for the condo project at closing. Further details not provided." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 80270620 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2052.87 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2904.02 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 809 | 806 | 44.273% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with Instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024 have been paid in the total amount of $2,052.87 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, with the first payment date xx/xx/2025. According to the payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current monthly P&I is $2,904.02, and the rate of interest is 7.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2025, with the first payment date xx/xx/2025. According to the payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx months on the job as a xx with xx. Previously, BWR had xx years on the job as a xx with xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 44.27%. Tape and file show BWR was qualified based on future employment with family business. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the xx-year SOL is active. BWR has xx months on the job as a xx with xx, FICO 806, and $473K equity in the subject." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 64465876 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nebraska | xx | xx | xx | Nebraska | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $13534.26 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5147.21 | 7.125% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 98.581% | 98.581% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 795 | 796 | 38.914% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument # xx in the amount of $xx with xx<br> There is an active prior mortgage against the subject property, which was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of $xx with xx<br> The first and second installments of county taxes for 2024 have been paid in the total amount of xx on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. The current P&I is $5,147.21 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> BWR1 receives VA benefits and pension income. <br> BWR2 has xx years on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan does not meet VA seasoning period requirements. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 64284543 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Not Applicable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $840.49 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2525.60 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 732 | 696 | 46.194% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xxin the amount of $xx with xx<br> No active judgments or liens have been found.<br> The first, second, and third installments of county taxes for 2024 have been paid in the amount of $840.49 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. We are unable to determine the last payment received. The current P&I is $2,525.60 with an interest rate of 6.990%. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has xx years on the job as a xx with xx, and BWR2 has xx years on the job as anxx at xx. BWR3 receives SSI, pension, and VA benefits income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Hazard Insurance<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails ComplianceEase charges that cannot increase and charges that cannot increase more than 10% due to loan failed initial loan estimate delivery and timing test."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance policy is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 46.19%. Tape shows BWR1 and BWR2 were not employed at closing. Revised DTI is 66.44%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the X-year SOL is active. BWR1 has XX years on the job as a XX with XX, and BWR2 has XX years on the job as an XX at XX. BWR3 receives SSI, pension, and VA benefits income, FICO 696, and $21K equity in the subject."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 9284325 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1065.83 | 4.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | Not Applicable | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 718 | 784 | 48.089% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2019 and recorded on xx/xx/2019 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,526.29 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,065.83 with an interest rate of 4.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2025, the property is owner-occupied.<br> As per the servicing comment dated xx/xx/2025, the borrower's income has been impacted due to the Covid-19 pandemic.<br> BWR has X months on the job as a xx . Additionally, BWR has been xx for xx years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 48.08%. Tape shows the lender did not establish the continuance of variable and secondary incomes, which is used for qualifying. Further details not provided. Lender defect. The subject loan originated on xx/xx/2019 and the XX-year SOL has expired. BWR has X months on the job as a XX at XX, FICO 718 and $37K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Compliance failing for State Regulations PA License Validation Test."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.08%, as the borrower's income is $5,163.85 and total expenses are in the amount of $2,490.08. The loan was underwritten by LP located at XX and its recommendation is "Approve/Eligible" with a DTI of 48.08%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 32332279 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9772.84 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4374.02 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 761 | Not Applicable | 43.595% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx<br> There are six prior state tax liens in the total amount of $xx in favor of the xx , which were recorded on different dates. The SSN of the defendant does not match the SSN of the borrower.<br> There is one UCC lien against the subject property in favor of xx, which was recorded on xx/xx/2025.<br> The first and second installments of county taxes have been paid in the total amount of $9,772.84 on xx/xx/2024 and xx/xx/2025, respectively.<br> There is one prior child support lien in favor of the XXXX., which was recorded on xx/xx/2020. The SSN of the defendant does not match the SSN of the borrower.<br> There is one prior civil judgment in favor of xx in the amount of $xx, which was recorded on xx/xx/2016. The SSN of the defendant does not match the SSN of the borrower.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,694.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,374.02 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has xx years on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 44%. Tape shows income misrepresentation due to income documents were fabricated. BWR defect. The subject loan originated on xx/xx/2024, and theXX-year SOL is active. BWR has XX years on the job as a XX with In XX, FICO 761, 0X30 since inception, and $29K equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 86079882 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Mexico | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1216.32 | 07/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1663.15 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 787 | Not Applicable | 46.255% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument #xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024 have been paid in the amount of $1,216.32 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,996.93(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,663.15 and the interest rate is 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.41 years on the job as a pilot at xx. Additionally, BWR had 13.58 years on the job as a pilot in the XX.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 46.25% DTI. The Lender included income from the Army when the BWR had been discharged 7/XX/24, prior to closing. Lender defect. Revised DTI 89.08%. Subject loan originated xx/xx/2025 and the xx-year SOL is active. The BWR is employed withxx for xx years as a xx, FICO 787, $588 residual income and $60.2K equity in the subject." | \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XX. Comp #1, with a sales price of $XX, is closest to the subject property. Zillow search shows an estimated value of $XX. Current UPB is $239K." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 96310635 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8511.01 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6993.09 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 781 | 789 | 36.009% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $8,511.01 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,762.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,993.09 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as a xx with xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails ComplianceEase charges that cannot increase test and charges that cannot increase more than 10% due to loan failed initial loan estimate delivery and timing test."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Evidence of hazard insurance is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 78730462 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5739.28 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2475.91 | 6.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | No | No | 757 | Not Applicable | 54.763% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $5,739.28 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,134.44 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,475.91 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the RFD.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is ineligible for sale to FHA, as the condo project is not approved by the HUD Review and Approval Process (HRAP) and Single Unit Approval (SUA). File and DU report show the subject loan closed with a case number with the property type submitted as PUD. Zillow search shows an estimated value of $XX. Current UPB is $395K." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount and Consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails ComplianceEase charges that cannot increase test and charges that cannot increase more than 10% due to loan failed initial loan estimate delivery and timing test."<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "MI certificate is missing from the loan file." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 74904297 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3368.91 | 06/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4802.52 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 669 | Not Applicable | 46.737% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument #xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2025 has been paid in the amount of $3,369.10 on xx/xx/2025.<br> The annual installment of county taxes for 2025 is due in the amount of $3,368.91 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,605.42 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,802.52 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2025, the RFD is a servicing-related issue.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has xx years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 46.73%. The tape shows miscalculation of rental loss and an undisclosed debt opened prior to closing. Revised DTI is 84%. Further details not provided. The subject originated on xx/xx/2023, and the xx SOL is active. BWR has xx years on the job as a xx | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan closed without an appraisal. The PIW signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value of $XX. The current UPB is $693K."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of xx exceeds fees threshold of xx over by +$5,766.46. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $355.00<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $675.00<br> Underwriting Fee paid by Borrower: $675.00<br>Loan fails QM lending policy points and fees test due to fees charged of xx exceeds fees threshold of xx over by +$5,766.46. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $355.00<br> Points - Loan Discount Fee paid by Borrower: xx<br> Processing Fee paid by Borrower: $675.00<br> Underwriting Fee paid by Borrower: $675.00" |  | \* Settlement date is different from note date (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD reflects closing date as 10/13/2023. Notary's signature date on the mortgage/deed of trust is 10/13/2023. Note date is 10/12/2023." | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 13126270 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3366.33 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1687.60 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 731 | Not Applicable | 49.903% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of $xx with xx <br> No active judgments or liens have been found. The annual installment of combined taxes for 2024 has been paid in the amount of $3,366.33 on xx/xx/2024. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,552.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,687.60 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> As per the collection comment dated xx/xx/2024, the reason for default is excessive obligations. <br> As per the collection comment dated xx/xx/2024, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has been xx for xx years with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii)) The revised closing disclosure delivery requires a new waiting period and The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 9873756 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2795.69 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 730 | Not Applicable | 36.445% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument # xx in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The 1st installment of combined taxes for 2025 has been paid in the amount of $6.28 on xx/xx/2025.<br> The 2nd installment of combined taxes for 2025 has been paid in the amount of $6.28 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,850.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,795.69 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the collection comment dated xx/xx/2025. The RFD is excessive obligations.<br> No details pertaining to the damage to the subject property have been observed. As per the collection comment dated xx/xx/2025, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been xx for xx years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 36%. Tape shows the lender did not document 5 years of SE history and used only a 1-year tax return instead of the required 2 years. Further details not provided. Lender defect. Subject loan originated on xx/xx/2025, and the xx SOL is active. BWR has been xx for xx years at FPD Logistics Inc, FICO 730, and $90K equity in the subject." |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the written list of service providers disclosure date test for less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction.<br>TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated xx/xx/2025. The initial LE dated xx/xx/2025 reflects Points—Loan Discount Fee, Administration Fee for Improvements [Custom Fee], Document Delivery Fee [Custom Fee], and Tax Service at $0.00, $0.00, $0.00, $64.00 & $0.00. The final CD dated xx/xx/2025 reflects Points—Loan Discount Fee, Administration Fee for Improvements [Custom Fee], Document Delivery Fee [Custom Fee], and Tax Service at $4,285.48, $100.00, $60.00, $80.00, & $150.00. This is a fee increase of $4,285.48, $100.00, $60.00, $16.00 & $150.00 for the 0% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case that originated on xx/xx/2025, and the SOL is 1 year active.<br>Loan failed charges cannot increase more than 10% in the tolerance test. LE dated xx/xx/2025 reflects the sum of Section C fees and the recording fee at $2258.50. The CD dated xx/xx/2025 reflects the sum of Section C and the recording fee at $2030.00. This is a cumulative increase of $23.50 for charges that in total cannot increase more than 10% per test. COC for the increase in fee is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 52359356 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1920.93 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 65.502% | 65.502% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 787 | 790 | 49.935% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $3,439.39 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,364.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,920.93 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> The seller's tape shows repairs related to the subject property roof. As per tape, there's nothing in the file to document if the repairs are considered critical. Further details are not provided.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as a xx of xx. Previously, BWR had xx years on the job as xx at xx<br> BWR2 has been xx for xx years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows condo questionnaire shows special assessments for re-roofing have been planned and no evidence is available to confirm if the repairs are considered critical. The inspection report verifying the completion of work is missing. Zillow search shows an estimated value of $XX. Current UPB is $296K." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 does not reflect Processing Fee. CD dated xx/xx/2024 reflects Processing Fee at $750.00.<br> Loan estimate dated xx/xx/2024 reflects Tax Certification Fee at $64.00. CD dated xx/xx/2024 reflects Tax Certification Fee at $75.00.<br> This is a cumulative increase in fee of $761.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the XX SOL has expired."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 6899322 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Hawaii | xx | xx | xx | Hawaii | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3233.85 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 759 | Not Applicable | 42.767% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx<br> There are two prior active mortgages against the subject property, which were recorded prior to the subject mortgage. The subject mortgage was recorded on 0xx/xx/2024. The prior mortgages were originated on xx/xx/2019 and xx/xx/2022 and recorded on xx/xx/2019 and xx/xx/2022 in the amounts of xx and xx with xx<br> The annual installment of county taxes for 2024 has been paid in the amount of $300 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,501.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,233.85 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> Unable to confirm occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as NOO at 42.76%. The tape shows rental loss income miscalculation. Revised DTI is 51.99%. Further details not provided. Lender defect. The subject originated on xx/xx/2024, and the XX SOL is active. BWR has XX years on the job as a XX with XX FICO 759, 0X30 since inception, $124K equity in the subject, and a residual income of $1,995." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 43710661 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Utah | xx | xx | xx | Utah | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1410.50 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1939.51 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 69.231% | 69.231% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 751 | Not Applicable | 41.960% | First | Final policy | Not Applicable | Not Applicable | 04/05/2024 | $339752.55 | Not Applicable | 6.250% | $1928.91 | 05/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument/book/page # xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $1,173.76 on xx/xx/2024.<br> The annual installment of combined taxes for 2025 is due in the amount of $1,410.50 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,156.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,928.91 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> According to the CC, the subject property is owner-occupied.<br> The reason for default is excessive obligations.<br> The loan has been modified since origination on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been xx with xx for xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender,xx on xx/xx/2024. As per the modified term, the new principal balance is $xx The monthly P&I is #1928.91 with an interest rate of 6.2500% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Seller tape shows the loan didn't meet cash-out guidelines. Further details not provided." | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 32747925 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1952.10 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 735 | Not Applicable | 48.816% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The 1st annual installment of county taxes for 2024/2025 has been paid in the amount of $1,170.60 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,660.48 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,952.10 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> According to the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as a xx with xx . BWR has prior employment experience as a xx with xx between xx/xx/2015 to xx/xx/2024.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49%. Tape shows income miscalculation. Revised DTI is 76.32%. Lender defect. The subject loan originated on xx/xx/2024, and the xx SOL is active. BWR has xx years on the job as a xx with xx , FICO 735, 0X30 since inception, $23K equity in the subject, and $1,336 residual income." |  | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed the reimbursement amount validation test and the consummation or reimbursement date validation test."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test. The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is understated by more than -$150.00."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges in total cannot increase more than 10% tolerance test. The LE dated xx/xx/2024 reflects the sum of Section C fees +$3,484.00. The CD dated xx/xx/2024 reflects the sum of Section C fees $4,009.00. This is a cumulative increase of $176.60 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents.<br> Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2024 does reflect Points - Loan Discount Fee of $0.00. The CD dated xx/xx/2024 reflects Points - Loan Discount Fee of $2,810.58. This is an increase in the fee of $2,810.58 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan document." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 18283891 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $5286.84 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $848.65 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 789 | Not Applicable | 49.593% | First | Final policy | Not Applicable | Not Applicable | 12/01/2024 | $215764.64 | Not Applicable | 3.250% | $803.81 | 12/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $5,075.37 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,919.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $803.81 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> As per collection comment dated xx/xx/2024, the subject property is vacant.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security income. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, XX and the lender, XX, on xx/xx/2024. As per the modified term, the new principal balance is XX The monthly P&I is $803.81 with an interest rate of 3.250% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. | Initial Escrow Acct Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.59%. The tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the XX SOL has expired. BWR receives social security income, FICO 789, and $46K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final TIL is xx. The calculated finance charge is xx for an under disclosed amount of -$481.50."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2021 reflects the point-pest inspection fee at $0.00, the city/county tax/stamps fee at $0.00, and the intangible tax fee at $0.00. The CD dated 0xx/xx/2021 reflects point-of-sale inspection fees at $150.00, city/county tax/stamps fees at $682.50, and intangible tax fees at $390.00. This is an increase in fee of $1,222.50 for charges that cannot increase."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan document." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 34128026 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4414.62 | 07/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2766.95 | 5.990% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | 67.941% | 67.941% | Full Documentation | Yes | xx | xx | 25.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 728 | 746 | 100.000% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument # xx in the amount of $xx with xx. No active judgments or liens have been found. The annual installment of combined taxes for 2024 has been paid in the amount of $4,414.62 on xx/xx/2025. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,322.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,766.95 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | Collections Comments: According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. No details pertaining to the damage to the subject property have been observed. As per tape data, the subject property is owner-occupied. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found.<br> BWR has xx years on the job as xx with xx. Additionally, BWR receives VA benefits income. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails. Loan Origination Fee Test due to fees charged: $7,764.74 Exceeds the fees threshold of $4,620.00 by +$3,144.74. <br>Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA Finance Charge Test due to the finance charge disclosed on the Final CD as xx. The calculated finance charge is xx for an under disclosed amount of $766.50. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing.<br>The CE risk indicator is critical, as the loan is failing the TILA Foreclosure Rescission Finance Charge Test. Total fees charged are xx, and allowed is xx; however, it is overcharged by $731.50."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2025 reflects a loan origination fee of $6,224.00. The CD dated xx/xx/2025 reflects a loan origination fee of $6,361.74. This is an increase in fee of $137.74 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2025 does not reflect the application fee. CD dated xx/xx/2025 reflects an application fee of $800.00. This is an increase in fee of $800.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan does not meet VA seasoning period requirements." |  |  | Moderate | Pass | Fail | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 74687683 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3095.00 | 07/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $839.06 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Investor | Yes | Yes | No | 764 | 808 | 33.399% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx.<br> No active judgments or liens have been found. <br> The annual installment of combined taxes for 2024 has been paid in the amount of $3,095.00 on xx/xx/2024. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,159.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $839.06 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> Unable to determine the occupancy of the subject property. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has been xx for xx years at xx<br> BWR 2 has xx years on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 3: Curable |  | \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance is missing from the loan file."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows details from HOA are missing for exterior repairs. Review of loan file shows that assessments are going to be for exterior repairs such as the facade. Further details are not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 76432362 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11565.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4028.89 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 804 | 804 | 49.816% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with book xx, page xx, in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The 2nd installment of county taxes for 2025 has been paid in the amount of $3,790.06 on xx/xx/2025.<br> The 1st and 2nd installments of county taxes for 2026 are due in the amounts of $5,822.84 and $5,742.16 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,423.20 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,028.89 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been xx for xx years at xx<br> BWR2 has been xx for xx years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 50%. Tape shows PITIA miscalculation. Revised DTI is 52%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the XX SOL is active. BWR1 has been XX for XX years at XX , BWR2 has been XX for XX years at XX since inception, $185K equity in the subject, and $5,958 residual income." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 75612857 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1769.12 | 05/27/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1332.49 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 87.755% | 99.760% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 758 | Not Applicable | 44.956% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx<br> There is a junior mortgage against the subject property. The junior mortgage was originated on xx/xx/2024 in favor of xx" in the amount of $xx, which was recorded on xx/xx/2024.<br> The first to fourth installments of town taxes for 2025 have been paid in the amount of $3,451.93 on xx/xx/2024, xx/xx/2024, xx/xx/2025, and xx/xx/2025.<br> The first and second installments of town taxes for 2026 are due in the amount of $1,769.12 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,675.52 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,332.49 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has xx years on the job as a xx with the xx. Previously, BWR had xx years on the job as a xx at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows excessive IPC (interested party contribution). Final CD reflects seller credit of $10K. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 80918686 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 06/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3372.92 | 7.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 74.775% | 74.775% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | Yes | 595 | Not Applicable | 44.084% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $653.46 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,412.09 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,372.92 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> As per the tape, the subject property is owner-occupied.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as an xx with xx. Previously, BWR had xx for xx years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Mortgage Insurance | xx | 3: Curable |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan is uninsurable. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA mortgage insurance certificate is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 26297952 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6578.04 | 07/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1856.09 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 755 | 790 | 41.355% | First | Final policy | Not Applicable | Not Applicable | Unavailable |  |  |  |  |  |  | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument # xx in the amount of $xx with xx<br> There is one civil judgment against the borrower in favor of plaintiff name "xx", which was recorded on xx/xx/2019 in total amount of xx.<br> The annual installment of combined taxes for 2024 has been paid in the total amount of $6,578.04 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,177.41 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,856.09 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB is xx.<br> The subject property occupancy is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has xx years on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XX. Comp #2 with a sales price of $XX, is closest to the subject property. Zillow search shows an estimated value of $XX. Current UPB is $265K." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 90872536 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2328.02 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $898.13 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | Unavailable | Unavailable | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 722 | 774 | 21.130% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 with instrument #xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The 1st and 2nd annual installments of combined taxes for 2024 have been paid in the amount of $2,328.02 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,755.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $898.13 with an interest rate of 2.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> As per the servicing comments dated xx/xx/2024, the reason for default is excessive obligation.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is owner occupied.<br> According to servicing comments dated xx/xx/2024, the subject property was damaged due to hail. The cost of repair is not available. No comments have been found regarding repair completion.<br>BWR has been xx for xx years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Hazard Insurance | xx | 2: Acceptable with Warnings |  |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan closed with PIW. Zillow search shows an estimated value of $XXXX. Current UPB $181K."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard Insurance is missing from the loan file." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 67388695 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | No | Not Applicable | First |  | $0.00 | $0.00 | 06/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2432.87 | 6.125% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | 71.500% | 71.500% | Full Documentation | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | No | 786 | 785 | 39.453% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with xx <br> No active judgments or liens have been found. <br> The 1st and 2nd installments of county taxes for 2024 have been paid in the amount of $2,062.24 on xx/xx/2024 and xx/xx/2025. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,705.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,432.87 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025.The current UPB is xx. <br> As per tape data, the subject property is owner-occupied. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Mortgage Insurance | xx | 3: Curable |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan does not meet the VA seasoning period requirements of the fee recoupment period, and the decrease in interest rate from 6.13 to 6.125 did not meet the guidelines of interest rate reduction requirements. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "MI cert is missing from the loan file." |  |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 7681932 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5110.27 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 76.000% | 76.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 673 | Not Applicable | 37.088% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xxin the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,110.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,110.27 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> As per the tape, the subject property is owner-occupied.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape, the appraisal was completed "as is"; the appraiser commented the property was being remodeled and would not be completed prior to the note date. The condition of the property is not acceptable.<br> BWR has 3.66 years on the job as a vice president of sales with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and review of the file show the subject property was being remodeled. The available 1004D confirms the remodeling of the subject property has been completed." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 37.09%. The tape shows PITI for the subject property was miscalculated. Revised DTI is 44.29%. Further details not provided. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR has 3.66 years on the job as a vice president of sales with Wholesale Payments Inc, FICO 673, 0X30 since inception, and $234K equity in the subject and residual income of $9,968." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 18543314 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virgin Islands | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1012.25 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Unavailable | No | xx | Not Applicable | $2381.98 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 65.000% | 65.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 616 | 606 | 52.302% | First | Final policy | Not Applicable | Not Applicable | 08/01/2013 | $444849.28 | $0.00 | 2.000% | $1347.12 | 09/01/2013 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with instrument #xx in the amount of $xx with xx<br> There is a civil judgment against the borrowers in favor of xx and xx in the amount of $xx recorded on xx/xx/2014.<br> There is a state tax lien against the borrowers in favor of the xx in the amount of $xx recorded on xx/xx/2024.<br> The annual installment of combined taxes for 2025 has been paid in the amount of $1,012.25 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,523.62 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,883.46 with an interest rate of 4.375%. The current UPB is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2013.<br> No foreclosure activity has been found.<br> According to the PACER, the borrowers, XX and XX, filed bankruptcy under Chapter X with the case # XX on xx/xx/2014. The BK was discharged on xx/xx/2015 and terminated on xx/xx/2015.<br> As per the seller's tape data, the subject property is a second home.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrowers, XX and XX filed bankruptcy under Chapter X with the case # xx on xx/xx/2014. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is $XX, and the value of the collateral is $XX. The unsecured portion is $XX. The BK was discharged on xx/xx/2015 and terminated on xx/xx/2015. | The step modification agreement was signed between the borrowers, XX and XX and the lender, XX with an effective date of xx/xx/2013, and the new modified unpaid principal balance is $XXhe modified monthly P&I of $1,347.12 with an interest rate of 2.000% starting on xx/xx/2013, which will be changed in 4 steps until the new maturity date of xx/xx/2053. The rate will change in 4 steps, which end with 4.375%. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. |  | xx | 2: Acceptable with Warnings |  |  | \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan does NOT violate predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." |  | Elevated | Not Covered | Pass | No Result | Not Covered | No Result | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 66779458 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2404.40 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | Yes | xx | Not Applicable | $703.36 | 9.875% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 90.000% | 90.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 35.919% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2000 and recorded on xx/xx/2000 with instrument # xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2023/2024 was paid in the amount of $1,202.20 on xx/xx/2024.<br> The 2nd installment of county taxes for 2023/2024 was paid in the amount of $1,202.20 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $995.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $378.50 with an interest rate of 8.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> According to the PACER, the borrowers, XX and XX, filed for bankruptcy under Chapter X with the case #XX on xx/xx/2001. The bankruptcy was discharged on xx/xx/2002 and terminated on xx/xx/2004.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrowers, XX, filed for bankruptcy under Chapter X with the case #XX on xx/xx/2001. The reaffirmation agreement filed on xx/xx/2002. Schedule D of the voluntary petition is not available. The bankruptcy was discharged on xx/xx/2002 and terminated on xx/xx/2004. | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final TIL is xx. Calculated finance charge is xx for an under disclosed amount of -$172.21.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL is xx. Calculated finance charge is xx for an under disclosed amount of -$137.21." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 69265790 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1592.56 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $390.74 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 102.996% | 102.996% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 34.828% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and recorded on xx/xx/2006 with instrument # xx in the amount of $xx with xx. No active judgments or liens have been found. The first and second installments of county taxes for 2024 have been paid in the amount of $1,592.56 on xx/xx/2025 & xx/xx/2025. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $575.63 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $390.74 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. As per the comment dated xx/xx/2023, the subject property is owner-occupied. No details pertaining to the damage to the subject property have been observed. The loan has not been modified since origination. No foreclosure activity has been found. According to the PACER, the borrower, XX, filed bankruptcy under Chapter X with the case #X on xx/xx/2023. The BK was discharged on xx/xx/2023 and terminated on xx/xx/2023. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower, XX, filed bankruptcy under Chapter X with the case #X on xx/xx/2023. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is $XX, and the value of the collateral is $XX. The unsecured portion is $0.00. There is no comment indicating a cramdown. The BK was discharged on xx/xx/2023 and terminated on xx/xx/2023. <br>| Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test. On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." |  | Elevated | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 33448494 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3238.62 | xx | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $598.57 | 3.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 740 | Not Applicable | 31.415% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with xx<br> No active judgments or liens have been found.<br> The 2024 combined annual taxes were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $598.57 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $598.57 with an interest rate of 3.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The foreclosure was initiated on the loan. As per servicing comments dated xx/xx/2025, the foreclosure sale was scheduled for xx/xx/2025. As per the servicing comment dated xx/xx/2024, the foreclosure file has been closed due to the loan reinstatement. <br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2025, the subject property is unknown-occupied.<br> BWR has 10.50 years on the job as a scientist with the XXX.<br> Foreclosure Comments:The foreclosure was initiated on the loan. As per servicing comments dated xx/xx/2025, the foreclosure sale was scheduled for xx/xx/2025. As per the servicing comment dated xx/xx/2024, the foreclosure file has been closed due to the loan reinstatement. Further details not found.<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 31.41%. The tape reflects an increase in DTI of 71.48%. Further details not provided. The subject originated on xx/xx/2021, and the 3-year SOL has expired. BWR has 10.50 years on the job as a xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 68202224 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | 06/05/2025 | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $1326.47 | 5.399% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 714 | Not Applicable | 47.919% | First | Final policy | Not Applicable | Not Applicable | 04/01/2024 | $255363.76 | Not Applicable | 3.899% | $1051.28 | 04/01/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $3,686.33 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,607.37 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,051.28 with an interest rate of 3.8990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the collection comment dated xx/xx/2025, the reason for default is excessive obligations.<br> No details pertaining to the damage to the subject property have been observed. The subject property is owner-occupied.<br> The loan was modified on xx/xx/2024.<br> No foreclosure activity has been found.<br> The bankruptcy was filed under Chapter 7 with the xx on xx/xx/2023. The BK was discharged on xx/xx/2023 and terminated on xx/xx/2024.<br> BWR has 8 years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments: According to the PACER, the borrower,xx filed bankruptcy under Chapter 7 with the xx on xx/xx/2023. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx and the value of the collateral is xx The unsecured portion is $0.00. There is no comment indicating a cramdown. The BK was discharged on xx/xx/2023 and terminated on xx/xx/2024. | The modification agreement was made between the borrower,xx., on xx/xx/2024. As per the modified term, the new principal balance is xx The monthly P&I is $1,051.28 with an interest rate of 3.8990% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. |  | xx | 1: Acceptable |  |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 10733642 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2911.90 | 06/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2743.45 | 6.624% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 50.000% | 50.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 788 | 766 | 34.246% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $2,911.90 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,743.45(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,743.45 and the interest rate is 6.624%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:According to the tape, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the seller's tape, the property occupancy is stated as an investor.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 1.58 years on the job as xx<br> BWR2 has been SE for 12.16 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is NOO and was approved at 34.25%. The tape shows the subject loan does not meet investor guidelines; assets of $434K from non-occupying BWR were used towards the purchase of NOO property. BWR is purchasing the subject property from his brother-in-law, who is non-occupying BWR, and sharing property ownership rights 50-50% along with their spouses. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 93753087 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7858.67 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4014.93 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 738 | Not Applicable | 39.756% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens found.<br> The annual county taxes for 2024 have been paid in the amount of $7,701.50 on xx/xx/2025.<br> The water sewer charges for 2024 are delinquent in the amount of $148.22 on xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,076.63 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,014.93 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. <br> As per the tape data the subject property is owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 39.76%. The tape shows unable to verity rental income. Lender defect. Revised DTI is 75%. Subject loan originated xx/xx/2025 and the 3-year SOL is active. BWR has been SE xx |  | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable | Unavailable | Unavailable | Unavailable | Done |
| 99082286 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1486.24 | 06/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1090.77 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 652 | Not Applicable | 45.925% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024 has been paid in the amount of $743.12 on xx/xx/2025.<br> The second installment of county taxes for 2024 is due in the amount of $743.12 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,335.66(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,090.77 and the interest rate is 7.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the tape, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the seller's tape, the subject property is non-owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2 weeks on the job xx<br> BWR receives xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved with an LTV of 80% that exceeds the LTV threshold of 75% for a purchase transaction secured by a 2- to 4-unit investment property. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 28670293 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2793.20 | 06/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1481.18 | 6.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 652 | Not Applicable | 60.976% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $2,681.47 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,191.66 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,481.18 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 2.41 years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 60.97%. The tape shows the lender miscalculated the rental housing expenses. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has 2.41 years on the job xx | \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 70832195 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | $0.00 | $5662.54 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1159.41 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 52.381% | 52.381% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 772 | 773 | 36.794% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024-2025 have been paid in the total amount of $5,955.66 on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,700.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,159.41 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the current occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 25 years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan is current. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 36.79%. The tape shows DTI miscalculation. The revised DTI is 39.18%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR1 has 25 years on the job xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 22386848 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4215.91 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2453.63 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 702 | Not Applicable | 46.703% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with Book/Page xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2025 has been paid in the amount of $4,215.91 on xx/xx/2024.<br> The annual installment of utilities/MUD taxes for 2025 has been paid in the amount of $404.41 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025.The first payment date is xx/xx/2025. As per tape, the current P&I is $2,453.63 with an interest rate of 6.875%. The next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2025.The first payment date is xx/xx/2025. The next due date is 7/12025. The current UPB reflected as per the payment history tape data is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 2 months on the job xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged xx exceed fees threshold of xx over by +$3,362.42.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $250.00<br> Loan Origination Fee paid by Borrower: $3,735.00<br> Points - Loan Discount Fee paid by Borrower: $8,038.00<br> Processing Fee paid by Borrower: $895.00<br> Underwriting Fee paid by Borrower: $1,195.00."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged xx exceed fees threshold of xx over by +$3,362.42.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $250.00<br> Loan Origination Fee paid by Borrower: $3,735.00<br> Points - Loan Discount Fee paid by Borrower: $8,038.00<br> Processing Fee paid by Borrower: $895.00<br> Underwriting Fee paid by Borrower: $1,195.00." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 46.70%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2025, and the 3-year SOL is active. BWR has 2 months on the job xx |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 14709174 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2316.75 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1339.78 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 102.245% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 704 | 733 | 42.589% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> There is one junior mortgage against the subject property originated on xx/xx/2024 in xx<br> The annual installment of school taxes for 2024 has been paid in the amount of $1,460.20 on xx/xx/2024.<br> The annual installment of combined taxes for 2025 has been paid in the amount of $856.55 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,642.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,339.78 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. <br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.41 years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed Compliance Ease delivery and timing test for revised CD dated xx/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2024, which is after the consummation date of xx/xx/2024."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows subject loan closed as a xx on a single-wide manufactured home built prior to xx. Appraisal report shows the subject property was built in the year xx." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD dated xx/xx/2024 reflects cash to the borrower in the amount of $676.30."<br> \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at xx the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at xx state that the manufactured home with serial xx has been affixed to the permanent foundation." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 87327273 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $1693.68 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $498.56 | 13.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 93.193% | 93.193% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 689 | Not Applicable | 44.724% | Second | Commitment | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> There is an active prior mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated xx<br> There is a prior UCC lien against the subject property in favor of xx<br> There are 2 prior civil judgments against the borrower in favor xx<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $1,693.68 on different dates.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $498.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $498.56 with an interest rate of 13.125%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has 25 years on the job as a coder II,lnpatient with XXX.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Hazard Insurance | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan closed with xx. Zillow search shows an estimated value of $XX. Current UPB is $44K."<br> \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show the subject originated as a second lien loan at a CLTV of 89.26%, closed without a full appraisal, and failed the HPML test. Infinity compliance report shows the loan fails the HPML test. Further details not provided."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage safe harbor threshold test due to calculated APR of 13.519% exceeds the APR threshold of 10.570% by +2.949%."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance is missing from the loan file." | \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 13.519% exceeds the APR threshold of 10.570% by +2.949%. Subject is a second lien. First lien is escrowed." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 2756447 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2805.26 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1116.58 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 741 | Not Applicable | 45.500% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024 has been paid in the amount of $1,402.63 on xx/xx/2025. <br> The second installment of county taxes for 2024 is due in the amount of $1,402.63 on xx/xx/2025. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,417.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,116.58 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 1 month on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 45.50%. The tape shows BWR was not employed at the time of closing. The revised DTI is 69.37%. Further details not provided. BWR defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR ha xx<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA Finance Charge Test due to the finance charge disclosed on the Final CD as xx. The calculated finance charge is xx for an under-disclosed amount of -$310.08."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 45223881 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $1224.83 | $1268.01 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2048.59 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 752 | Not Applicable | 41.392% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of school taxes for 2024 has been paid in the amount of $3,121.68 on xx/xx/2024.<br> The annual installment of village taxes for 2024 has been paid in the amount of $1,174.49 on xx/xx/2024.<br> The annual installment of village taxes for 2025 is due in the amount of $1,268.01 on xx/xx/2025.<br> The annual installment of combined taxes for 2025 has been delinquent in the amount of $1,224.83 on xx/xx/2025, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,615.22 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,048.59 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.50 years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject condo project is ineligible. The file shows the subject condo project is ineligible, appraiser is on an exclusionary list. File also has prior litigation related to a FC on behalf of Beneficial against a BWR, the HOA and others. Further details not provided." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The finance charge disclosed on the final CD was xx. The calculated finance charge is xx for an undisclosed amount of -$102.15.<br> Exception downgraded as SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 98305910 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5348.55 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3444.35 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 775 | 797 | 44.011% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument # xx<br> No active judgments or liens have been found.<br> The 1st, 2nd, 3rd, and 4th installments of county taxes for 2025 were paid in the total amount of $5,348.55 on different dates.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,032.52 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,444.35 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has 7.33 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 44.01%. Tape and review shows non-occupying BWR's primary rental housing payments were not included in DTI. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022 and the 3-year SOL will expire on xx/xx/2025. BWR has 7.33 years on the job xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2022 reflects Points - Loan Discount Fee at $5,700.00. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $5,822.71.<br> Loan estimate dated xx/xx/2022 does not reflect Credit Report Fee. CD dated xx/xx/2022 reflects Credit Report Fee at $196.00.<br> Loan estimate dated xx/xx/2022 reflects Transfer Taxes at $3,060.00. CD dated xx/xx/2022 reflects Transfer Taxes at $3,126.30.<br> This is a cumulative increase in fee of $385.01 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2022 and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 88632479 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $13794.93 | xx | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4434.43 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 677 | Not Applicable | 42.829% | First | Short Form Policy | Not Applicable | Not Applicable | 08/07/2024 | $750673.67 | Not Applicable | 6.500% | $4394.87 | 09/01/2024 | Financial Hardship | <br> According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with book/page xx<br> There are 2 credit card judgments against the borrower in favor of xx<br> The 1st and 2nd installments of county taxes for 2025 have been paid in the amount of xx on xx/xx/2024 and xx/xx/2024.<br> The annual installment of combined taxes for 2026 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,528.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,394.87 with an interest rate of 6.5%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the servicing comment dated xx/xx/2023, the reason for default is unemployment.<br> The foreclosure was initiated on the loan in 2024. As per the servicing comment dated xx/xx/2024, the foreclosure was placed on hold due to loss mitigation.<br> No post-close bankruptcy record has been found.<br> As per comment dated xx/xx/2024, the borrower was approved for 3 months trial payment plan. <br> The loan was modified on xx/xx/2024.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 2 months on the job as xx<br>Foreclosure Comments:The foreclosure was initiated on the loan in 2024. As per the servicing comment dated xx/xx/2024, the foreclosure was placed on hold due to loss mitigation. Further details are not provided. <br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx on xx/xx/2024. As per the modified term, the new principal balance is xx The monthly P&I is $4,394.87 with an interest rate of 6.5% beginning on xx/xx/2024 and a maturity date of xx/xx/2064. There is no deferred balance and principal forgiven amount. The loan has been modified for the first time since origination. | Affiliated Business Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 42.85%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 2 months on the job xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2022 does not reflect pest inspection fee. CD dated xx/xx/2023 reflects pest inspection fee at $250.00. This is an increase in fee of $250.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan documents" |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 83351643 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $13675.56 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3333.33 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 720 | 737 | 38.249% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx<br> There is an active junior UCC lien against the subject property xx<br> The 1st and 2nd installments of town taxes for 2025 have been paid in the total amount of $4,528.07 on xx/xx/2025 and xx/xx/2025.<br> The 3rd installment of town taxes for 2025 is due in the amount of $2,309.71 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,310.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3333.33 with an interest rate of 4.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Required Disclosures | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the state regulations for prohibited fees test.<br> The following fees were included in the test:<br>CPL paid by Borrower: $75.00<br> Tie-in Fee paid by Borrower: $341.00" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 38.24%. Tape shows SE income could not be re-verified. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR1 has been SE xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflects a point-loan discount fee at $9,585.00. CD dated 0xx/xx/2022 reflects a point-loan discount fee at xx. This is an increase in fee of xx for charges that cannot increase. A valid COC for the increase in fee is available. COC is not getting tested due to loan failing TRID delivery and timing test. The subject loan is a purchase case, originated on 0xx/xx/2022 and SOL is 1 year."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Home loan tool kit is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 26870157 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $10826.48 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6318.48 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 52.099% | 52.099% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 739 | Not Applicable | 47.190% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx<br> There is an active real estate tax lien against the subject property in favor of xx.<br> There is a state tax lien against the borrower in favor of the xx<br> There are 2 ECB liens against the subject property in favor of xx<br> The 1st installment of combined taxes for 2026 was paid in the amount of $2,720.22 on xx/xx/2025.<br> The 2nd, 3rd, and 4th installments of combined taxes for 2026 are due in the total amount of $8,106.26 on different dates.<br> The annual utilities/MUD charges for 2025 have been delinquent in the amount of $466.69, which were due on xx/xx/2025 and good through xx/xx/2025.<br> The annual utilities/MUD taxes for 2025 are due in the amount of $190.45 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,478.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,318.48 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $0.00. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $0.00.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner occupied.<br> BWR has 11.83 years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Hazard Insurance | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 47.19%. Tape shows income misrepresentation, and the source document for gift assets is missing from the loan file. File shows gift assets of $410K and a cash-to-close requirement of $318K. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has 11.83 years on the job xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 does not reflect appraisal re-Inspection fee and Doc preparation fee. CD dated xx/xx/2022 reflects appraisal re-Inspection fee at $200.00 and Doc preparation fee at $300.00. This is an increase in fee of +$500.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Evidence of hazard insurance is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 32133307 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7594.74 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $1569.04 | 7.375% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 65.848% | 65.848% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 03/01/2025 | $492862.03 | Not Applicable | 6.875% | $3018.15 | 04/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/1997 and recorded on xx/xx/1997 with instrument xx<br> There are four junior judgments against the borrower in favor of the different plaintiffs, which were recorded on different dates, in the total amount of xx.<br> There is a junior IRS lien against the borrower in favor of xx<br> The annual installment of combined taxes for 2024 has been paid in the amount of $7,563.48 on xx/xx/2024.<br> The annual installment of combined taxes for 2025 is due in the amount of $7,594.74 on xx/xx/2026.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,648.44 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,018.15 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the RFD.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2025.<br> No foreclosure activity has been found.<br> According to the PACER, the borrower, xx, filed bankruptcy under Chapter 13 with the case xx on xx/xx/2022. The BK was dismissed on xx/xx/2024 and terminated on xx/xx/2024.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower, xx, filed bankruptcy under Chapter 13 with the case xx on xx/xx/2022. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx and the value of the collateral is xx. The unsecured portion is $0.00. The POC was filed by the creditor, xx , with the secured claim amount of xx and the arrearage amount of xx. The chapter 13 plan filed on xx/xx/2022 was confirmed on xx/xx/2025. There is no comment indicating a cramdown. The BK was dismissed on xx/xx/2024 and terminated on xx/xx/2024. | The modification agreement was made between the borrower, xx, on xx/xx/2025. As per the modified term, the new principal balance is $xx. The monthly P&I is $3,018.15 with an interest rate of 6.875% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is no deferred balance and principal forgiven amount. The loan has been modified twice since origination. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows Aom break—gap aom needed from xx. Further details not provided." | \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR not hand-dated by borrower."<br> \* TIL not hand dated (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL not hand-dated by borrower." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 8959042 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | Not Applicable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $18764.72 | xx | xx | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6136.09 | 5.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 80.000% | 80.000% | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 02/14/2025 | $1082418.62 | Not Applicable | 6.750% | $7020.55 | 03/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2013 and recorded on xx/xx/2013 with instrument #xx<br> There is a civil judgment against the borrower in favor of xx<br> The 1st and 2nd installments of county taxes for 2024-2025 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $9,092.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $7,020.55 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2023, the reason for default is curtailment of income.<br> According to the updated title report dated xx/xx/2025, the foreclosure was initiated in 2017 with the loan. As per the notice of lis pendens located at xx foreclosure complaint was filed on xx/xx/2017 in favor of xx, which was recorded on xx/xx/2017. As per the notice of rescission of default located at xx, the foreclosure complaint was canceled on xx/xx/2017. Again, the foreclosure case resumed on notice of lis pendens located at xx. The foreclosure complaint was filed on xx/xx/2021 in favor of xx , which was recorded on xx/xx/2021. As per the notice of sale located a txx, the foreclosure sale is scheduled for xx/xx/2022. As per the notice of rescission of default located at xx the foreclosure complaint was canceled on xx/xx/2022. As per the servicing comment dated xx/xx/2024, the foreclosure has been put on hold due to streamline modification. Further details are not provided.<br> No post-close bankruptcy record has been found.<br> As per servicing comments dated xx/xx/2024, the subject property has been occupied by owner.<br> Foreclosure Comments:According to the updated title report dated xx/xx/2025, the foreclosure was initiated in 2017 with the loan. As per the notice of lis pendens located at xx, the foreclosure complaint was filed on xx/xx/2017 in favor of xx, which was recorded on xx/xx/2017. As per the notice of rescission of default located xx which was recorded on xx/xx/2021. As per the notice of sale located at xx the foreclosure sale is scheduled for xx/xx/2022. As per the notice of rescission of default located at xx, the foreclosure complaint was canceled on xx/xx/2022. As per the servicing comment dated xx/xx/2024, the foreclosure has been put on hold due to streamline modification. Further details are not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower and the lender on xx/xx/2025. As per the modified term, the new principal balance is $xx. The monthly P&I is $7,020.55 with an interest rate of 6.750% beginning on xx/xx/2025 and a maturity date of xx/xx/2055. There is no deferred balance and principal forgiven amount. | Final Truth in Lending Discl.<br> Good Faith Estimate<br> Initial 1003_Application<br> Loan Program Info Disclosure<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows a defect as AOM Break-Rescission. AOM needed MERS to Bofi Federal. Further details were not provided." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final HUD-1 dated xx/xx/2013, reflects cash to the borrower in the amount of $488.31."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA APR test due to final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan documents."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final GFE is missing from the loan documents."<br> \* Initial Good Faith Estimate is Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial GFE is missing from the loan documents."<br> \* Initial Truth in Lending Disclosure is Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial TIL is missing from the loan documents."<br> \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan program disclosure is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan documents. Zillow search shows an estimated value of $XXXX. Current UPB is $1M."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 16646572 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $198.23 | 07/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $606.35 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 40.000% | 40.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 626 | Not Applicable | 44.761% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2025 is due in the amount of $198.23 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $987.55 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $606.35 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR receives SSI, or retirement income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. Loan estimate dated xx/xx/2025 does reflect points—loan discount fee, credit report fee, and transfer taxes fee at $1600.00, $312.00, and $120.00. CD dated xx/xx/2025 reflects Points-Loan Discount Fee, Credit Report Fee, and Transfer Taxes at $1800, $396.00, and $135.00. This is an increase in fee of +$299.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 44.76%. Tape shows the qualifying DTI exceeds the guideline limit. Further details not provided. Review shows ATR confirmed."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 85284068 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1658.16 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1733.31 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 96.500% | 96.500% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 625 | Not Applicable | 40.311% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx<br> There is one active medical lien against the borrower in favor of xx<br> The annual installment of county taxes for 2024 has been paid in the amount of $1,658.16 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,066.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,733.31 with an interest rate of 3.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  | Hazard Insurance | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 40.31%. The tape shows the AUS recommendation for the subject loan was to refer with caution. Further details not provided. The subject loan originated on xx/xx/2021 and the 3 year SOL has expired. BWR has been an xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed the reimbursement amount validation test and the consummation or reimbursement date validation test."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2021 reflects a point the technology platform service fee at $0.00 and the state tax/stamps fee at $0.00. CD dated xx/xx/2021 reflects a point Technology Platform Service fee at $93.25 and state tax/stamps at $2,620.00. This is an increase in fees of $2,713.45 for charges that cannot increase. Loan failed charges that in total cannot increase more than 10% tolerance test. The LE dated xx/xx/2021 reflects the sum of Section C fees and recording fees at $127.00. CD dated xx/xx/2021 reflects the sum of Section C and the recording fee at $107.00. This is a cumulative increase of $2.30 for charges that in total cannot increase more than 10% in the test."<br> \* Missing proof of hazard insurance (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance is missing from the loan file." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 94546363 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Maine | xx | xx | xx | Maine | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3736.93 | xx | Unavailable | Not Applicable | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $942.81 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 86.484% | 86.484% | Full Documentation | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 08/20/2019 | $246539.74 | Not Applicable | 4.125% | $1055.76 | 10/01/2019 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2010 and recorded on xx/xx/2010 with instrument xx<br> No active judgments or liens found.<br> The 1st installment of county taxes for 2024 has been paid in the amount of $1,868.47 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 has been paid in the amount of $1,868.46 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,508.89 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,055.76 with an interest rate of 4.125%. The current UPB is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2019.<br> As per the UT dated xx/xx/2025, the foreclosure was initiated on xx/xx/2017. As per the release of lis pendens located at xx the foreclosure was cancelled due to modification.<br> No post-close bankruptcy record has been found.<br> Unable to determine the reason for default.<br> As per the seller's tape data, the subject property is owner-occupied.<br> Foreclosure Comments:As per the UT dated xx/xx/2025, the foreclosure was initiated on xx/xx/2017. As per the release of lis pendens located at xx the foreclosure was cancelled due to modification.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers, xx As per the modified term, the new principal balance is xx. The monthly P&I is $1,055.76 with an interest rate of 4.125% beginning on xx/xx/2019 and a maturity date of xx/xx/2049. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Final Truth in Lending Discl.<br> Right of Rescission | xx | 3: Curable |  | \* Loan program disclosure missing or unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject mortgage originated on xx/xx/2010. The tape defect shows that "Pay History unavailable from 2005-2013, Serviced by more than 2 servicers". Further details are not provided." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA APR test due to final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 72358090 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | No | Not Applicable | First |  | $0.00 | $5363.05 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3160.34 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 91.286% | 91.286% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 809 | 809 | 36.467% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx<br> No active judgments or liens have been found.<br> The 1st, 2nd, 3rd, and 4th installments of county taxes for 2025 were paid in the total amount of $5,366.05 on different dates.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,883.95 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,160.34 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has 2.75 years on the job xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 36.47% DTI. The Lender did not obtain the lease on the departing residence. Lender defect. Revised DTI 63.89%. Subject loan originated xx/xx/2022 and the 3-year SOL is active. The BWR is employed with xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx/xx/2022. Initial LE dated xx/xx/2022 reflects Points - Loan Discount Fee & Transfer Taxes at$5,493.00 & $2,703.00. Final CD dated xx/xx/2022 reflects Points - Loan Discount Fee & Transfer Taxes at $6,250.00 & $2,794.80. This is fee increase of $757.00 & $91.80 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the SOL is 1 year expired."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 66541855 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Not Applicable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1406.80 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2523.85 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 746 | Not Applicable | 49.777% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument # xx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $1,406.80 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,791.39 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,523.85 with an interest rate of 4.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the reason for the default.<br> As per tape data, the property is owner-occupied.<br> BWR has 24.41 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.77% DTI. The Lender did not obtain evidence to support discontinuance of child support obligations. Lender defect. Revised DTI 52.54%. Subject loan originated xx/xx/2022 and the 3-year SOL is active. The BWR is employed with xx |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 81459425 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12380.92 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3508.93 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | No | 780 | Not Applicable | 28.155% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument #xx<br> There is a UCC lien found against the subject property in favor of xx<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the total amount of xx on xx/xx/2024 and xx/xx/2025.<br> The annual water/sewer charges for 2025 are due in the amount of $94.80 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,508.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,508.93 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 7 years on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 43.43%. Tape shows BWR was not employed at the time of closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 7 years on the job xx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 57708724 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3967.69 | 05/23/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4004.79 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 91.901% | 91.901% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 743 | 706 | 39.469% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024/2025 has been paid in the amount of $3,967.69 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5002.22 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4004.79 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> BWR1 has 27.58 years on the job as xx<br> BWR2 has 3.58 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report dated xx/xx/2020 shows subject to repairs to add second floor and renovate as per plans and specification of repairs. 1004D dated xx/xx/2023 does not confirm that subject has been completed or not. The final 1004D, or completion certificate, is missing from the loan file. Final CD shows homestyle repairs in the total amount of $XX. XX search shows an estimated value of $XX. Current UPB is $588K."<br> \* Loan has escrow holdback. No proof it was released (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Final CD dated xx/xx/2023 reflects escrow holdback in the amount of $XX. proof for release of escrow holdback is missing from the loan documents. Current UPB is $588K." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is unsaleable due to exceeding the allowable time frame for renovation of subject property. Further details not provided. Zillow search shows an estimated value of $XX. Current UPB is $588K." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 18551306 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | 06/09/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1392.69 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 767 | Not Applicable | 39.332% | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024. In the amount of xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2025 has been exempted.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,442.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,392.69 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 4 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the Co-op approval with the xx has expired. Further details not provided."<br> \* Type of Ownership is Leasehold or Cooperative (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan originated on xx/xx/2024 with a maturity date of xx/xx/2054. As per the lease agreement located at "xx the ground lease is held by xx and the leasehold expires on xx/xx/2060." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 13346232 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6176.96 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1769.58 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 801 | Not Applicable | 49.193% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The first and second installments of town taxes for 2025 have been paid in the total amount of $3088.48 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,369.41 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,769.58 with an interest rate of 6.990%. The current UPB is xx.<br>| Collections Comments:According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 17.25 years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject is NOO and approved at 49.19%. Tape and review show the Lender used declining bonus and OT income. Revised DTI is 54.06%. Lender defect. The subject loan originated on xx/xx/2025 and the 3-year SOL is active. BWR has 17.25 years on the job as xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 2482655 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10610.03 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3729.65 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 782 | Not Applicable | 44.890% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The first and second installments of school taxes for 2024/2025 have been paid in the total amount of $6,422.63 on xx/xx/2024 and xx/xx/2025.<br> The first installment of combined taxes for 2025 has been paid in the amount of $2,093.70 on xx/xx/2025. <br> The second installment of combined taxes for 2025 is due in the amount of $2,093.70 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,707.59 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,729.65 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Hazard Insurance<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance policy is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 43.83% DTI using a Profit & Loss statement. The Lender did not include an additional investment property in the DTI. Lender defect. Revised DTI 57.19%. Subject loan originated xx/xx/2025 and the 3-year SOL is active. The BWR is xx<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Servicing transfer disclosure is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 26264159 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6195.84 | 06/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1829.05 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 79.437% | 79.437% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 723 | 734 | 35.370% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> The 1st and 2nd installments of town taxes for 2025 have been paid in the total amount of $3,097.92 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on 06/04/205 in the amount of $2,441.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,829.05 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4 months on the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan has failed the reimbursement amount validation test and the consummation or reimbursement date validation test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the xx prohibited fees test. The below fees were included in the test:<br> MERS Registration Fee paid by Lender: $24.95<br> Title-Closing Protection Letter paid by Borrower: $75.00"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges in total cannot increase more than 10% tolerance test. LE dated xx/xx/2025 reflects the sum of Section E Recording Fee at $460.00 and Section F Transfer Taxes at $0.00. CD dated xx/xx/2025, it reflects the sum of Section E Recording Fee at $230.00 and Section F Transfer Taxes at $1,548.96. This is a cumulative increase of $1,272.96 for charges that in total cannot increase more than 10% in the test. COC for increase in fee is available from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and file show the loan officer's NMLS license had expired and the lending branch he was affiliated with was not licensed in NJ. Further details not provided."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "\*\*\*\*\*\*\*\*\*\*\*\*Duplicate\*\*\*\*\*\*\*\*\*\*\*\*" | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 97037733 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | No | Not Applicable | First |  | $0.00 | $6091.05 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5870.09 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 738 | 754 | 42.278% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2025 with instrument xx<br> There is a prior state tax lien against xx in favor of the xx, which was recorded on xx/xx/2024 in the amount of $51.34. <br> There is an active illegal conversion (code enforcement) lien against the subject property in favor of the xx<br> The 1st installment of combined taxes for 2026 was paid in the amount of $1,984.10 on xx/xx/2025.<br> The 2nd, 3rd, and 4th installments of combined taxes for 2026 were due in the total amount of $5,952.3 on different dates.<br> The annual utility charges for 2025 have been delinquent in the amount of $151.36, which was due on xx/xx/2025 and is good through xx/xx/2025.<br> The annual utility charges for 2025 are due in the amount of $138.75 on xx/xx/2025.<br> The annual water charges for 2025 have been delinquent in the amount of $290.11, which was due on xx/xx/2025 and is good through xx/xx/2025.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6654.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,870.09 with an interest rate of 8.00%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> BWR1 has been SE for 5.83 years at xx<br> BWR2 has 3 months on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape indicates that the transaction is considered a flip and is unsaleable. The review of the appraisal report shows the date of prior sales or transfers is xx/xx/2024, and the price of the prior sale or transfer is xx. The subject sale price is $XX. Further details not provided. Zillow search shows an estimated value of $XX. Current UPB is $797K." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 8.315% exceeds APR threshold of 8.190% over by +0.125%. Subject loan is escrowed."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.337% exceeds APR threshold of 8.190% over by +0.147%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 11591641 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3950.19 | 9.125% | 363 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 90.918% | 90.918% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 778 | 765 | 42.574% | First | Final policy | Not Applicable | Not Applicable | 05/22/2025 | $381821.00 | Not Applicable | 6.875% | $2508.29 | 07/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024-25 has been paid in the amount of $1,008.98 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,225.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,508.29 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx.<br> As per the document located at xx, the check was received from the borrower in the amount of xx on xx/xx/2025. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of 6/25/205, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> Unable to determine RFD.<br> As per the tape the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan was modified on xx/xx/2025.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br>BWR has 2.75 years on the job as xx<br> BWR2 has 6 months on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrowers,xx, on xx/xx/2025. As per the modified term, the new principal balance is xx. The monthly P&I is $2,508.29 with an interest rate of 6.875% beginning on xx/xx/2025 and a maturity date of xx/xx/2055. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Hazard Insurance<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan closed a construction to permanent loan, and the AUS and credit documents expired, and after the modification, the loan terms changed, invalidating the AUS recommendation. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The hazard insurance certificate is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1))an APR calculated at 9.287% exceeds the APR threshold of 8.490% over by +0.797%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d)." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 81543544 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3935.88 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1446.12 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 36.830% | 36.830% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 814 | 779 | 48.664% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instr # xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 have been paid in the amount of $3,778.44 on xx/xx/2024.<br> No prior years delinquent taxes found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,446.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,446.12 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The RFD is unable to be determined. <br> As per comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was not modified since origination.<br> No foreclosure activity found in the loan file.<br> No bankruptcy-related information was found.<br> BWR1 & BWR2 receive social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 48.86% DTI. The Lender closed the loan with expired asset statements for distribution income and without evidence of receipt of the distribution income. Lender defect. Revised DTI 66.83%. Subject loan originated xx/xx/2024 and the 3-year SOL is active. The BWR's both receive SSI and pension income, FICO 779,xx residual income, 0X30 since inception and $xx equity in the subject." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and recording fee at $192.00. CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $1,809.75. This is a cumulative increase of +$1,598.55 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is active." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 84771774 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $193.04 | 06/17/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2524.99 | 4.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 748 | Not Applicable | 54.491% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> No active judgments or liens were found.<br> The first and second installments of county taxes for 2024 have been paid in the total amount of $193.04 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,784.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,524.99 with an interest rate of 4.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.25 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file shows that BWR signed the closing documents one day prior to the date stated on those documents. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA MI certificate is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 30681035 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | West Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2854.90 | 07/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2234.81 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 793 | 814 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $2,854.90 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,033.32 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,234.81 with an interest rate of 6.900%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 & BWR2 receives asset distribution income<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file shows asset distribution income from stock accounts used for qualification is ineligible. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025 and the 3-year SOL is active. BWR1 & BWR2 receive asset distribution income, FICO 793, 0X30 since inception and $84K equity in the subject." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 91797210 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | North Dakota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1416.06 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2101.65 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 39.210% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024 have been paid in the amount of $1,416.06 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,307.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,095.50 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Borrower receives SSI or pension.<br> Borrower 2 receives SSI or a pension.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and file show the subject loan closed with no credit score for either of the BWRs, and they did not meet the requirement of Freddie Mac guidelines, as the lender did not have a minimum of two payment references in the US. Further details not provided."<br> \* Missing credit report (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The credit report is missing from the loan document." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and recording fees at $770.00. CD dated xx/xx/2024 reflects the sum of Section C and the recording fee at $1,920.00. This is a cumulative increase of +$1,150.00 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 73791171 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $4902.21 | $9804.42 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4673.19 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 93.000% | 93.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Commercial Prop | xx | xx | Primary | Yes | Yes | No | 705 | Not Applicable | 49.583% | First | Final policy | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The first annual installment of county taxes for 2024 has been paid in the amount of $4,902.21 on xx/xx/2025.<br> The annual installment of county taxes for 2024 has been delinquent in the total amount of $4,902.21, which is good through xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,157.84 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,673.19 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3.58 years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Property is Commercial Prop (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The collection comment dated xx/xx/2025 states the primary residence is potentially being used for business purposes. Tape shows subject has income producing horse barn. The appraisal report and Zillow show the subject property is an xx . Online search shows the subject property is identified as xx Elevated for client review." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2024 reflects points - a loan discount fee at $643.23. The CD dated xx/xx/2025 reflects points - a loan discount fee at $938.97. This is an increase in fee of +$295.74 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2025. The initial LE dated xx/xx/2024 reflects a lender credit of $2,470.00, and the final CD dated xx/xx/2025 reflects a lender credit of $0.00. This is a decrease of +$2,470.00 for the fee, which has a 0% tolerance test. The subject loan is a purchase originated on xx/xx/2025, and the SOL is 1 year." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.58%. Tape shows the rental income miscalculation due to BWR misrepresenting the lease agreement for the REO. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2025, and the 3-year SOL is active. BWR has 3.58 years on the job as a manager with Walgreens Pharmacy, FICO 705, 0X30 since inception, and $59K equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 63818890 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $453.53 | $13202.33 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4716.03 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 63.636% | 63.636% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 664 | 745 | 49.804% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx<br> There is a credit judgment against the borrower in favor of xx, which was recorded on xx/xx/2024 in the amount of xx.<br> The annual first and second installments of town taxes for 2025 have been paid in the amount of $6,622.97 on xx/xx/2025 and xx/xx/2025.<br> The annual third installment of town taxes for 2025 is due in the amount of $3,289.68 on xx/xx/2025.<br> The annual charges of utilities and mud for 2025 have been delinquent in the amount of $453.53, which is good through xx/xx/2025.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,224.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,716.03 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data. Subject property owner-occupied.<br> As per the comment dated xx/xx/2023, the borrower was impacted by Covid-19.<br> BWR has 8 months on the job xx<br> BWR has prior employment experience as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.80% DTI. The Lender miscalculated income for BWR 2. Lender defect. Revised DTI 59.43%. Subject loan originated xx/xx/2023 and the 3-year SOL is active. The BWR is SE xx, BWR 2 is employed with xx | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails prohibited fees test.<br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,095.00<br> Attorney Fee paid by Seller: $1,750.00<br> Attorney Fee-Borrower's Attorney paid by Borrower: $2,000.00<br> Fee paid by Borrower: $650.00<br> Fraud Service paid by Borrower: $35.00<br> Real Estate Commission paid by Seller: xx<br> Title - Copy or Fax Fee paid by Borrower: $25.00<br> Title - Platform Management paid by Borrower: $1.00<br> Title - Tax and Assessment paid by Borrower: $30.00<br> Title - US District CT & US Superior paid by Borrower: $96.00<br> Title Closing Protection Letter paid by Borrower: $75.00" | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2023. The initial LE dated xx/xx/2023 reflects a lender credit of $1,323.00, and the final CD dated xx/xx/2023 reflects a lender credit of $0.00. This is a decrease of $1,323.00 for a fee that has a 0% tolerance test. The subject loan originated on xx/xx/2023, and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 97529682 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8254.50 | 06/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4631.35 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.000% | 94.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 3 Family | xx | xx | Primary | Yes | Yes | No | 682 | Not Applicable | 48.936% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $8,254.50 on xx/xx/2024. <br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,954.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,631.35 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. <br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 5.25 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows reserves are not sufficient. Bank statements in the file show $50K in assets including gift assets of $42K, satisfying the cash-to-close requirement of xx. Gift funds of $39K were refunded to the donor, and the remaining assets in reserves of $3K do not satisfy the reserve requirement of $22K. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 39584241 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5593.26 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3307.10 | 6.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 84.669% | 84.669% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 624 | 646 | 36.853% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx<br> There is an active junior UCC lien against the subject property in favor of xx<br> The first and second installments of county taxes for 2024/2025 have been paid in the amount of $5,593.26 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,891.54 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,307.10 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. As per the collection comment dated xx/xx/2024, the payments for the months of July, August, and September are deferred. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. <br> Unable to determine RFD.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 22.91 years on the job as xx <br> BWR2 has 6.41 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2023. Revised LE dated xx/xx/2023 reflects lender credit at $68.00. Final CD dated xx/xx/2023 reflects lender credit at $62.00. This is a decrease of +$6.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/2023 and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows that the loan exceeds the allowable cash-out limit. Further details not provided. Final CD shows non-mortgage debts of $120K paid off through the subject transaction."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA mortgage insurance certificate is missing from the loan documents." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 13711105 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1117.48 | xx | xx | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2090.08 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 728 | Not Applicable | 45.449% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx<br> There is a UCC lien against the subject property in favor of xx, which was recorded on xx/xx/2023.<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the amount of $1,117.48 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,530.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,090.69 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. The payments for the period from xx/xx/2024 to xx/xx/2024 were deferred through forbearance plan. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> As per the servicing comment dated xx/xx/2024, the reason for default is curtailment of income.<br> As per the servicing comment dated xx/xx/2024, the foreclosure was initiated in 2024 with the loan. As per the trustee's sale located at xx, the foreclosure sale was scheduled for xx/xx/2024. As per the cancellation of trustee's sale document located at xx, the foreclosure sale was canceled. No further information found.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2024, the borrower was approved for a 3-month TPP plan.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the servicing comment dated xx/xx/2024, the subject property is vacant.<br> BWR has 1.16 years on the job as xx<br> Foreclosure Comments:As per the servicing comment dated xx/xx/2024, the foreclosure was initiated in 2024 with the loan. As per the trustee's sale located at xx, the foreclosure sale was scheduled for xx/xx/2024. As per the cancellation of trustee's sale document located at xx, the foreclosure sale was canceled. No further information found.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 45.44%. The tape shows income miscalculation, as the BWR's income is variable. Further details not provided. Lender defect. The revised DTI is 50.13%. The subject originated on xx/xx/2022, and the 3-year SOL is active. BWR has 1.16 years on the job xx | \* Required Documentation Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Buydown agreement signed by the borrower is missing from the loan documents." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2022 reflect does points - loan discount fee. Final CD dated xx/xx/2022 reflects points - loan discount fee at $130.45. This is an increase in fee of +$130.45 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on CD dated xx/xx/2022. Initial CD dated xx/xx/2022 reflects lender credit at $34.14. Final CD dated xx/xx/2022 does not reflect lender credit. This is decrease of +$34.14 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br> The subject is a purchase case originated on xx/xx/2022, and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 93870426 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | South Dakota | xx | xx | xx | South Dakota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5287.58 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3824.01 | 6.500% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Yes | xx | xx | 24.470% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 755 | 759 | 46.948% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 in the amount of xx<br> No active judgments or liens have been found.<br> The 1st annual installment of county taxes for 2024 has been paid in the amount of $2,721.56 on xx/xx/2025.<br> The 2nd annual installment of county taxes for 2024 is due in the amount of $2,721.56 on xx/xx/2025.<br> No prior year delinquent taxes have been found.  | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,000.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,293.50 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The occupancy is unable to be determined.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 3.41 years on the job as xx. BWR2 has 5.33 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is uninsurable by the VA due to VA bonus entitlement miscalculation. Further details not provided."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosure is missing from the loan documents." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 9247462 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Mexico | xx | xx | xx | New Mexico | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4137.90 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6802.76 | 8.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 769 | 801 | 37.934% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $4,017.72 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,423.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,802.76 with an interest rate of 8.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 21.58 years on the job as a xx<br> BWR2 has 20.91 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Closing_Disclosure violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The revised closing disclosure is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan was rejected by the investors due to the zoning of the subject property being rural. Review of the appraisal report shows the property is in a rural zone. Further details not provided. Zillow search shows an estimated value of $XX. Current UPB is $854K." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed Qualified Mortgage APR Threshold Test due to APR calculated 8.950% exceeds APR threshold of 8.900% over by +0.050%.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.950% exceeds APR threshold of 8.150% over by +0.800%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 94426195 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | Delaware | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5159.97 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6281.88 | 6.875% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 85.000% | 85.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 761 | Not Applicable | 23.243% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $5,159.97 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,281.88 (PITI), which was applied for the due date xx/xx/2025. The current P&I is $6,281.88 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has been xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows 9 months of reserves. Further details not provided. Bank statements in the file show $389K of assets satisfy the cash-to-close requirement of $131K. Remaining $258K of reserves. BWR has been xx<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2025 does not reflect Points - Loan Discount fee. CD dated xx/xx/2025 reflects Points - Loan Discount fee at $4,781.25. This is an increase in fee of +$4,781.25 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2025 and the 1-year SOL is active." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 96067290 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4720.00 | 07/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1481.50 | 7.375% | 360 |  | xx | xx |  | Commercial | Fixed |  | Refinance | 65.000% | 65.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | No | No | 696 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with book/pagexx <br> There is a prior state tax lien against the borrower in favor of the xx<br> The annual installment of county taxes for 2025 is due in the amount of $4,720.00 on xx/xx/2025.<br> The annual installment of county taxes for 2024 has been paid in the amount of $4,579.41 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,027.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,481.50 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comment, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape, the property occupancy is stated as an investor.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br>BWR is an LLC, xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows issue as appraisal. The subject had a prior sale on xx/xx/2025 for $XX, and the current market value is $XX. appraiser noted that the subject was previously purchased as distressed property and has been renovated since last purchase. Further details not provided. Zillow search shows an estimated value of $XX. Current UPB $214K."<br> \* Type of Ownership is Leasehold Or Cooperative (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the final title policy located at xx the property is leasehold. The subject loan originated on xx/xx/2025 with a maturity date of xx/xx/2055. The UT report dated xx/xx/2025, which alerts to a severe defect, shows that the property is leasehold. The title policy schedule B located at xx shows the exception for the ground rent lease dated xx/xx/2008, recorded in liber no XX, folio 193. The leasehold agreement is available at xx and it reflect that leasehold is forever." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 44662741 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $341.25 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $787.16 | 7.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.188% | 98.188% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 615 | 733 | 45.424% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $341.25 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,040.07 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $787.16 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 3.5 years on the job as a xx<br> BWR2 receives xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the contract date did not meet FHA flipping requirements. The review of the appraisal report shows the date of contract is xx/xx/2024 and the date of the prior sale or transfer is xx/xx/2024 in the amount of $XX. The subject's appraised value on xx/xx/2024 was $XX. Subject has been renovated. The kitchen and bathroom have been remodeled. Zillow search shows an estimated value of $XX. Current UPB is $117K."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $279.00. The CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $385.49. The loan estimate dated xx/xx/2024 reflects an appraisal re-inspection fee of $175.00. The CD dated xx/xx/2024 reflects an appraisal re-inspection fee of $300.00. This is a cumulative increase in fee of $231.49 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/2024, and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 66141842 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arkansas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $389.94 | 06/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4320.74 | 7.500% | 120 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 739 | Not Applicable | 32.969% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The 2024 county annual taxes were paid in the amount of $389.94 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,639.21 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,320.74 with an interest rate of 7.50%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the property occupancy is stated as investment.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has been SE for 9 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file show that BWR signed the closing documents one day prior to the date stated on those documents and does not meet the TRID 3-day requirement. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 4001034 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2055.19 | 07/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2122.64 | 6.125% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 99.812% | 99.812% | Streamline Refinance | Not Applicable | xx | xx | Unavailable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $2,055.19 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,402.41 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,122.64 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the property is owner-occupied.<br> As per the servicing comment dated xx/xx/2025, the borrower filed a claim for damage due to hail on xx/xx/2025 and the borrower filed an insurance claim for the loss amount of xx. The estimated cost of repairs is not available. No further information has been found regarding the completion of repairs. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Missing or error on the Rate Lock<br> Right of Rescission | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan does not meet VA seasoning period requirements."<br> \* Missing credit report (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The right of rescission is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 56244522 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6974.69 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3842.87 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 68.831% | 68.831% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 692 | Not Applicable | 48.102% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2025 has been paid in the amount of $3,487.35 on xx/xx/2025.<br> The annual installment of county taxes for 2025 is due in the amount of $3,487.34 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,486.95 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,842.87 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has been SE for 3 xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2024 reflect Points - Loan Discount Fee at $5,247.00. CD dated xx/xx/2025 reflects Points - Loan Discount Fee at $7,632.00.<br> The loan estimate dated xx/xx/2024 does not reflect Tax Service Fee. CD dated xx/xx/2025 reflects Tax Service Fee at $79.00.<br> This is a cumulative increase in fees of $2,464.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/2025, and the SOL of 3 years is active." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 48.10%. The tape shows SE income misrepresentation. BWR did not file all of the required tax returns, the returns filed had errors, income was declining, and one of the businesses was not registered with the state. Further details not provided. BWR defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has been xx |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 54667359 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8125.72 | 06/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $7968.10 | 6.625% | 240 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | No | 778 | 775 | 16.858% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 have been paid in the amount of $8,125.72 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,936.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $7,968.10 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the property is owner-occupied.<br> BWR1 has been xx<br> BWR2 does not have any employment history.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA Finance Charge test due to Calculated Finance charge of xx exceeds Disclosed Finance charge of xx over by - $135.00. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. The subject loan is a purchase, originated on xx/xx/2025 and the SOL is 1 year."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XX. Comp #2 with a sales price of $XX, is closest to the subject property. Zillow search shows an estimated value of $XX. Current UPB is $1M. Lowered appraised value increased LTV to 88%." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 17287033 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2103.50 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1183.43 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Alternative | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 715 | Not Applicable | 38.629% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $2,103.50 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,500.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,216.74 with an interest rate of 8.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found. No post-close bankruptcy record has been found. <br> As per seller's tape data, the subject property is owner-occupied.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing Initial LE<br> Missing or error on the Rate Lock<br> Missing Required Disclosures | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete, as the initial LE is missing from loan documents. Subject loan is a purchase case, originated on xx/xx/2025 and the 1-year SOL is active."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is not signed by the borrower."<br> \* Intent to Proceed Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The borrower's intent to proceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the lender failed to obtain a second appraisal, as the subject property value was flipped and the loan is HPML. The review of the appraisal report shows the date of prior sales or transfers is xx/xx/2024, and the price of the prior sale or transfer was $XX. The current sale price is $XX. The last owner had replaced the flooring throughout, updated the kitchen and bathroom, and painted the interiors. Zillow search shows an estimated value of $XX. Current UPB $155K. Further details not provided."<br> \* Missing Initial LE (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial loan estimate is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Settlement service providers list is missing from the loan documents." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 8.710% exceeds APR threshold of 8.150% over by +0.560%."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.734% exceeds APR threshold of 8.150% over by +0.584%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 12109729 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1484.92 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $427.20 | 4.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 96.489% | 105.018% | Full Documentation | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 21.364% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated xx<br> There is an active junior mortgage against the subject property in favor of xx<br> The 1st, 2nd, 3rd, and 4th installments of county taxes for 2025 have been paid in the total amount of $1,484.92 on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $614.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $427.20 with an interest rate of 4.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the BWR remains unresponsive while continuing to make payments. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final TIL as xx. Calculated finance charge is xx for an under disclosed amount of -$159.36."<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 34582585 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $30.37 | 07/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2389.25 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 98.800% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 797 | 771 | 46.685% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a junior mortgage active against the subject property in favor of xx<br> There is a prior civil judgment active against the borrower in favor of xx<br> The annual county taxes for 2024 have been paid in the amount of $29.46 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,885.60 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,389.25 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5.75 years on the job xx<br> BWR2 has 3.75 years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges cannot increase more than 10% in the tolerance test. LE dated xx/xx/2025 reflects the sum of Section C fees and the recording fee at $409.00. CD dated xx/xx/2025 reflects the sum of Section C and the recording fee at $684.00. This is a cumulative increase of +$234.10 for charges that in total cannot increase more than 10% test. COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2025 and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the income from both BWRs has exceeded the maximum limit for the county and does not meet the OHCS first home product guidelines."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 67093147 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4956.75 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $880.20 | 6.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 636 | Not Applicable | 38.942% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> There is an active subordinate (DPA) junior mortgage against the subject property in favor of xx<br> The annual installment of combined taxes for 2024 has been paid in the amount of $4,956.75 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,147.88 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $880.20 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 2.91 years on the job xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance<br> Transmittal (1008) | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and DU report show the risk recommendation for the subject loan is refer at a DTI of 38.94%, and manual UW is not allowed under loan program guidelines. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The FHA MI certificate is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Transmittal summary is missing from the loan documents." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case; the final CD dated xx/xx/2025 reflects cash in the amount of $1,501.74." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 29326625 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3216.32 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $808.19 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 96.953% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 818 | 812 | 47.233% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument # xx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024 to pay 2025 were paid in the total amount of $3,216.32 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $808.19 with an interest rate of 6.99%. The current UPB reflected is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB reflected is xx.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br>BWR1 receives social security income.<br> BWR2 has 20.41 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails TRID Total of Payments Test due to fees charged: xx. Exceeds fees threshold of xx by over -$111.32.<br>The subject loan is a purchase originated on xx/xx/2025, and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject loan closed with a Goal Grant loan of $2,500 does not meet the loan program eligibility requirements, as the BWR is not an FTHB. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 13117218 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2360.11 | 07/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2702.39 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 764 | 703 | 48.128% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument # xx<br> No active judgments or liens have been found.<br> The 1st, 2nd, 3rd, and 4th installments of county taxes for 2025 are due in the total amount of $1,224.91 on different dates.<br> The 1st, 2nd, 3rd, and 4th installments of county taxes for 2024 were paid in the total amount of $1,135.20 on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,060.55 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,702.39 with an interest rate of 6.990%. The current UPB, reflected as per the payment history, is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB, reflected as per the payment history, is xx.<br> As per tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.41 years on the job as xx <br> BWR2 has 2.91 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 48.12%. The tape and review shows the income was miscalculated. Lender defect. Revised DTI 60.74%. Subject loan originated xx/xx/2025 and the 3-year SOL is active. BWRs is employed withxx. BWR2 is employed with xx. FICO 703, residual income of $xx | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2025 does not reflect Appraisal Review Fee. CD dated xx/xx/2025 reflects Appraisal Review Fee at $250.00. This is an increase in fee of +$250.00 for charges that cannot increase. The subject loan is a purchase case, originated on 0xx/xx/2025 and the 1-year SOL is active." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 83609043 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | xx | xx | Utah | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3036.40 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4760.42 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 767 | 756 | 49.872% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $3,036.40 on xx/xx/2024.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,215.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,760.42 with an interest rate of 6.99%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 12 years on the job as a xx<br> BWR2 has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the initial loan estimate delivery date test due to initial loan estimate is dated xx/xx/2024 and electronically signed on xx/xx/2024 which is more than 3 days. Unable to determine delivery date due to missing doc tracker. TRID is failing for delivery timing of initial loan estimate."<br> \* ComplianceEase RESPA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the RESPA timing test due to the LE, settlement services provider list, and the homeownership counseling organization disclosure were issued 4 days after the initial application date. The initial loan application date is xx/xx/2024, and the documents are dated xx/xx/2024." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.87%. Tape shows lender missed a new debt the BWR opened before closing. Revised DTI is 51.91%. Lender defect. The subject loan originated on xx/xx/2024 and the 3-year SOL is active. BWR1 has 12 years on the job as a program manager at the Veteran's Affairs Medical Center. BWR2 has been SE as an operator for 9.83 years, FICO 756, 0X30 since inception, $262K equity in the subject and $7,606 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test and charges that cannot increase 10% tolerance test due to loan failed initial LE estimate delivery and timing test. The initial LE dated xx/xx/2024 was delivered on xx/xx/2024, which is more than 3 business days from the initial application date of xx/xx/2024. Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Fail | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Done |
| 2258623 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $4088.00 | 07/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1327.34 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 87.500% | 87.500% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 730 | 732 | 49.097% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> There is an active prior mortgage against the subject property which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx.<br> The 1st installment of county taxes for 2025 has been paid in the amount of $2,044.00 on xx/xx/2025.<br> The 2nd installment of county taxes for 2025 is due in the amount of $2,044.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,992.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,327.34 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 4.16 years on the job as a xx. Additionally, BWR1 has been SE at both xx.<br> BWR2 has been SE for 3.83 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.10% DTI. The Lender miscalculated income. Lender defect. Revised DTI 52.13%. Subject loan originated xx/xx/2024 and the 3-year SOL is active. The BWR is employed with xx for 4 years and SE as an Actor and Fitness Trainer for 3 years, BWR 2 is SE as an Actor for 3 years, FICO 730, $1,928 residual income, 0X30 since inception and $30K equity in the subject." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 33899175 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $949.25 | 07/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1694.81 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 782 | 783 | 44.016% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $949.25 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,876.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,694.81 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The appraisal report in the loan file is as-is. The tape and review of the file show the subject condo project is undergoing repairs of the buildings, and the condo questionnaire shows a special assessment of $6.5M planned for repairs. A structural integrity report after the completion of repairs by a licensed professional is missing from the loan documents. Zillow search shows an estimated value of $341K. Current UPB is $233K.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property occupancy is stated as an investor.<br> BWR1 has 10.58 years on the job as an IT engineer with xx.<br> BWR2 has 1 year on the job as a physician with xx. Previously, BWR2 had 4 months on the job as a physician at xx. Prior to that, BWR2 had 5.66 years on the job as a physician with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 1217703 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1607.04 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1984.32 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 60.777% | 60.777% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 48.622% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> No active judgments or liens found.<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the total amount of $1,607.04 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,238.67 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,984.32 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR 1 has six months on the job as a category manager at xx. BWR was a VP of business development with xx. between xx/xx/2022 to xx/xx/2024.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Credit Report<br> Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan closed without an Appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search reflects an estimated value of $XX. The current UPB is $307K."<br> \* Missing credit report (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Credit Report is missing from loan file." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved at 48.62%. Tape shows BWR not employed at closing. BWR defect. Loan originated xx/xx/2024 and the 3-year SOL is active. BWR 1 has six months on the job as a category manager at xx. BWR was a VP of business development with xx. between xx/xx/2022 to xx/xx/2024, $202K equity in the subject and 0X30 since inception."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $4,156.00. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $5,723.00. This is an increase in fee of $1,567.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan file." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 40503872 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $91.66 | 06/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3660.58 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 40.769% | 40.769% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 806 | 809 | 47.811% | First | Final policy | Not Applicable | Not Applicable | 05/22/2025 | $52793.00 | Not Applicable | 6.875% | $346.81 | 07/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2024 with instrument xx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 have been paid in the amount of $88.91 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,054.52 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $346.81, and the interest rate is 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> The loan was modified on xx/xx/2025.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 6.16 years on the job as a radiology technologist.<br> BWR2 has 25.58 years on the job as a sales representative at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The construction conversion modification agreement was made between the borrowers, "xx," and the lender, xx, on xx/xx/2025. As per the modified term, the new principal balance is $52,793.00. The monthly P&I is $346.81 with an interest rate of 6.875% beginning on xx/xx/2025 and a maturity date of xx/xx/2055. | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2023 reflects Loan Origination Fee at $4,690.00. Final CD dated xx/xx/2024 reflects Loan Origination Fee at $5,300.00. This is an increase in fee of +$610.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/2023 and the 3-year SOL is active."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The seller's tape shows the construction conversion loan. The borrower completed a large principal reduction prior to modification on xx/xx/2025 in the amount of xx. The loan was originated on xx/xx/2023 with a loan amount of xx. As per the modification agreement located at "xx," the loan was modified on xx/xx/2025, and the UPB has been decreased in the amount of xx. The current UPB is xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | No Result | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 1959403 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $123.04 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1589.76 | 5.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 812 | Not Applicable | 43.380% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $120.58 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,340.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,589.76 with an interest rate of 5.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 year on the job as a first officer with xx. Previously, BWR had 3.41 years on the job as a pilot with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. Tape shows the subject is NOO, as BWR rented the subject property after closing. Elevated for client review." | \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$150.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. The subject loan is a purchase that originated on xx/xx/2025, and the SOL is 1 year." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 43.38%. The tape shows the subject is NOO, as BWR rented the subject property after closing, causing the lender to omit primary housing expenses. The revised DTI is 44.93%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has 1 year on the job as a first officer with xx, FICO 811, $71K equity in the subject, 0X30 since inception and $5,391 residual income."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 58252341 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $778.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2395.67 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 784 | 798 | 49.869% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx. There is one active civil judgment against the borrower in favor of xx, which was recorded on xx/xx/2021 in the amount of 1,846.05. The annual installment of county taxes for 2024 has been paid in the amount of $746.88 on xx/xx/2024. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,899.02 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,395.67 00 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found. <br>BWR1 has been SE for 8.41 years at xx.<br> BWR2 has been SE for 7 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an undisclosed amount of -$150.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.86%. Tape shows SE income miscalculation. Further details not provided. Lender defect. The revised DTI is 53.12%. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has been SE for 8.41 years at xx, FICO 784, $47K equity in the subject, $18K assets, 0X30 since inception and $3,647 residual income." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 2408176 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 07/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3486.60 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 79.996% | 79.996% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 716 | 720 | 49.927% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens found.<br> The tax status: to follow.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,238.29 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,486.60 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the reason for default.<br> As per the seller's tape data, the subject property is owner-occupied.<br> BWR1 has 9.16 years on the job as a sales manager with xx.<br> BWR2 has been SE for 14.66 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.93% DTI. The Lender used SE distributions as income that was not supported and excluded liabilities. Lender defect. Revised DTI 67.23%. Subject loan originated 3/XX/25 and the 3-year SOL is active. The BWR is employed with xx as the Sales Manager for 9 years, BWR 2 is SE with xx for 15 years, FICO 716, $3,387 residual income, 0X30 since inception and $127K equity in the subject." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Pennsylvania license validation test." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 29288958 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Delaware | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $72.36 | 07/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2592.24 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 760 | 779 | 49.486% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $72.36 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,778.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,778.08 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR 1 has 6 months on the job as a part advisor with xx. Previously BWR 1 had 13.83 years on the job as a parts manager with xx.<br> BWR 2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.49% DTI. The Lender used commission income with only 6 months employed and other income that was not supported in the loan file. Lender defect. Revised DTI 71.33%. Subject loan originated 5/XX/25 and the 3-year SOL is active. The BWR is employed with xx as a Parts Advisor for 6 months, BWR 2 receives SSI and Other income, FICO 760, $2,048 residual income and $98K equity in the subject." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the written list of service providers disclosure date test."<br> \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under-disclosed amount of -$375.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID Violation due to decrease in lender credit on closing disclosure dated xx/xx/2025. The initial CD dated xx/xx/2025 reflects lender credit at $7.00; the final CD dated xx/xx/2025 reflects the lender at $0.00. This is a decrease of +$7.00 for a fee that has a 0% tolerance test.<br>The subject loan is a purchase, originated on xx/xx/2025, and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 84855733 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1347.07 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4213.78 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 791 | Not Applicable | 43.358% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2025 has been paid in the amount of $1,347.07 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of 4,825.38 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,213.78 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape data, the property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 3.08 years on the job as an IT specialist senior principal with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO. Tape shows the subject is NOO, as BWR listed the subject property for rent shortly after closing. Further details not provided. Elevated for client review." | \* Cash out purchase (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD dated xx/xx/2025 reflects cash to in the amount of $126.13."<br> \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$150.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 43.35%. Tape shows the subject is NOO, as BWR listed the subject property for rent shortly after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has 3.08 years on the job as a senior principal IT specialist with xx, FICO 783, 0X30 since inception and $35K equity in the subject." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 31849445 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3419.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2639.41 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 777 | 682 | 36.512% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of town taxes for 2025 have been paid in the total amount of $1,709.50 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,998.48 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,639.41 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR2 has 2.75 years on the job as a director of technology withxx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO. Tape shows the subject is NOO, as BWR listed the subject property for rent shortly after closing. Further details not provided. Elevated for client review." | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails prohibited fees test.<br> The below fees were included in the test:<br> HOA Capital Contribution paid by Borrower: $500.00<br> HOA Dues paid by Borrower: $286.97<br> Taxes Due paid by Seller: $854.75<br> Title - Electronic Delivery paid by Borrower: $50.00<br> Title Closing Protection Letter paid by Borrower: $75.00<br> Title Corporate Status and State paid by Borrower: $31.00<br> Title Municipal Lien Search paid by Borrower: $35.00<br> Title Notice of Settlement paid by Borrower: $40.00<br> Title Transaction Management paid by Borrower: $35.00<br> Verification Fee paid by Lender: $66.45" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 36.50%. Tape shows the subject is NOO, as BWR listed the subject property for rent shortly after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR2 has 2.75 years on the job as a director of technology with xx, FICO 777, 0X30 since inception and $122K equity in the subject." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 47302897 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2985.00 | 07/10/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2936.58 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 787 | 661 | 32.381% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $2,985.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,315.40 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,936.58 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed. <br> BWR1 receives social security income.<br> BWR2 has 2 months on the job as a director of creative design with xx. Additionally, BWR2 has been SE for 7.75 years at xx.<br> BWR3 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 32.38% DTI. The Lender allowed the loan to close with instability of employment and income for the coborrower. Lender defect. Revised DTI is 94.83%. The borrower has been employed for 2 months as the xx for xx., and was previously self-employed for 7 years in retail. The subject loan originated xx/xx/2024 and the 3-year SOL is active, FICO 661, 0x30 since inception, and $170K equity in the subject property." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 91929530 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maine | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4548.50 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1062.09 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 802 | Not Applicable | 50.194% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2025 are due in the amount of $4,181.00 on xx/xx/2025 and xx/xx/2025.<br> The 1st installment of utilities/MUD charges for 2025 has been paid in the amount of xx on xx/xx/2025.<br> The 2nd installment of utilities/MUD charges for 2025 is delinquent in the amount of xx, which was due on xx/xx/2025 and good through xx/xx/2025.<br> The annual county taxes for 2025 have been paid in the amount of xx on xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,518.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,062.09 with an interest rate of 4.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner occupied.<br> BWR has 2.58 years on the job as a graphic designer at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 50.19%. The tape shows PITI miscalculation as the HOA dues increased in 2022. The revised DTI is 53%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2022 and the 3-year SOL has expired. BWR has 2.58 years on the job as a graphic designer at xx. FICO 802, $16K equity in the subject, 0X30 last 24 months and $2,144 residual income."<br> \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD dated xx/xx/2022, reflects cash to the borrower in the amount of $660.93."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 50.19% as the borrower's income is $4,839.47 and total expenses are in the amount of $2,417.43 and the loan was underwritten by LP Locator xx and its recommendation is Accept with a DTI of 50%." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 68652783 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11371.89 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1616.38 | 3.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 711 | Not Applicable | 43.162% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrumentxx.<br> There is a junior judgment against the borrower in favor of xx, which was recorded on xx/xx/2024 in the amount of xx.<br> The annual county taxes for 2024 have been paid in the amount of $3,352.28 on xx/xx/2024.<br> The annual school taxes for 2024 have been paid in the amount of $3,599.81 on xx/xx/2024.<br> The annual utilities/MUD charges for 2024 have been paid in the amount of $4,419.80 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,902.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,616.38 with an interest rate of 3.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the collection comment dated xx/xx/2025, the RFD is the illness of the borrower. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 6.58 years at xx. Additionally, the BWR receives disability income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 43.16%. Tape shows SE income was not established. Lender defect. The subject loan was originated on xx/xx/2021, and the 3-year SOL has expired. BWR has been SE for 6.58 years at xx. Additionally, the BWR receives disability income. FICO 711 and $65k equity in the subject."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 43.16% as the borrower's income is $9,649.67 and total expenses are in the amount of $4,165.02 and the loan was underwritten by LP Locator xx and its recommendation is Accept with a DTI of 43%." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 57343810 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second | xx | $4463.03 | $8449.88 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5628.68 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 78.537% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 726 | 807 | 46.640% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> There is an active junior mortgage against the subject property in favor of xx, in the amount of xx, which originated on xx/xx/2025 and was recorded on xx/xx/2025 with the instrument \| xx<br> There is a XXXX lien against the subject property in favor of the xx in the amount of xx, which was recorded on xx/xx/2017, and it was amended on xx/xx/2017 with the amount of xx. <br> The 1st installment of supplemental taxes for 1984 is delinquent in the total amount of $4,463.03, which was due on xx/xx/1986 and is good through xx/xx/2025.<br> The 1st and 2nd installments of 2024-2025 were paid in the total amount of $8,449.88 on xx/xx/2024 & xx/xx/2025. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,628.28 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,628.28 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found related to damage or repairs.<br> As per tape, the subject property has been occupied by the owner.<br> BWR1 has 6.16 years on the job as a director of accounting with xx.<br> BWR2 has 4.83 years on the job as a GM with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2025 reflects an appraisal fee of $565.00. The PCCD dated xx/xx/2025 reflects an appraisal fee of $715.00. This is an increase in fee of +$150.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan was originated on xx/xx/2025, and the 1-year SOL is active.<br> TRID Violation due to decrease in lender credit on closing disclosure dated xx/xx/2025. The initial LE dated xx/xx/2025 reflects lender credit at $565.00; the PCCD dated xx/xx/2025 reflects the lender at $0.00. This is a decrease of +$565.00 for a fee that has a 0% tolerance test.<br> Loan failed charges cannot increase more than 10% in the tolerance test. LE dated xx/xx/2025 reflects the sum of Section C fees and the recording fee at $4,170.00. PCCD dated xx/xx/2025 reflects the sum of Section C and the recording fee at $5,522.00. This is a cumulative increase of +$1,351.90 for charges that in total cannot increase more than 10% per test. COC for the increase in fee is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject approved at 46.64%. Tape shows income misrepresentation. WVOE in file for BWR employer Servpro does not match results that came back from the Work Number. Work Number shows 2024 income of $1538 for a different company owed by BWR spouse. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2025, and the 3-year SOL is active. BWR1 has 6.16 years on the job as a director of accounting with Servpro of Yorba Linda/Brea, and BWR2 has 4.83 years on the job as a GM with xx, FICO 726, and $103K equity in the subject." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 84663590 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3380.29 | 06/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $766.20 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 26.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 703 | 753 | 29.995% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with xx. The subject mortgage was re-recorded on xx/xx/2025 to add the xx rider that was erroneously not attached to the subject mortgage document.<br> No active judgments or liens have been found.<br> The annual combined taxes for 2025 were paid in the amount of $2,127.09 on xx/xx/2025.<br> The annual school taxes for 2024 were paid in the amount of $1,253.20 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,318.20 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $766.20 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR1 has 8.16 years on the job as a sales/customer service representative with xx.<br> BWR2 has 9.33 years on the job as a head cashier with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the state regulation late fees test, as the late fee of 5% charged on the loan exceeds the threshold of 2.000%, and it is over by +3.000%."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 does not reflect appraisal re-inspection fee. Final CD dated xx/xx/2024 reflects appraisal re-inspection fee at $120.00. This is an increase in fee of +$120.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject is a purchase case, originated on xx/xx/2024, and 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan purchase timeframe exceeded the limit due to the county septic delays being replaced. Further details not provided."<br> \* Loan has escrow holdback. No proof it was released (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final CD, dated xx/xx/2024, reflects an escrow holdback in the amount of $617.00. Proof for the release of escrow holdback is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 48872697 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Vermont | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6373.59 | 07/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3089.53 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 704 | 786 | 44.052% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with Book/Page xx.<br> No active judgments or liens have been found.<br> The first, second, and third installments of combined taxes for 2023 have been paid in the total amount of $6,373.59 on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,807.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,089.53 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape, the subject property occupancy is stated as an investment.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 2.3 years on the job as a nurse with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the credit report was expired at the time of closing, and a new credit report was obtained after closing with a high score. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 73927966 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $17482.46 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4061.46 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 49.727% | 49.727% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 688 | Not Applicable | 13.877% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx. <br> No active judgments or liens have been found. <br> The 1st and 2nd installments of county taxes for 2023/2024 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2024. <br> The first installment of county taxes for 2024/2025 has been paid in the amount of $9,687.47 on xx/xx/2025. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,681.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,061.46 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. <br> As per the tape data, the occupancy of the subject property is stated as investment. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. <br> No details pertaining to the damage to the subject property have been observed. <br> BWR has been SE for 8.3 years at xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. Tape shows the subject is NOO. Elevated for client review." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the compliance delivery and timing test for the CD dated xx/xx/2025. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2025, which is after the consummation date of xx/xx/2025."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges cannot increase more than 10% in the tolerance test. LE dated xx/xx/2025 reflects the sum of Section C fees and the recording fee at $926.20. The CD dated xx/xx/2025 reflects the sum of Section C and the recording fee at $1,022.00. This is a cumulative increase of +$95.80 for charges that in total cannot increase more than 10% per test. COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/2025, and the SOL is 3 years."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved as OO at 13.87%. Tape shows the subject is NOO, causing the lender to omit the primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has been SE for 8.3 years at xx, FICO 688, 0X30 since inception." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 31301286 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $5007.01 | 07/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2125.61 | 7.500% | 360 |  | xx | xx |  | Commercial | Fixed |  | Refinance | 80.000% | 80.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 727 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> There is an active prior mortgage against the subject property in favor of xx, in the amount of xx, which originated on xx/xx/2024 and was recorded on xx/xx/2024 with instrument xx.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $5,007.01 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,815.37 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,125.61 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is non-owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR is an LLC, and the subject loan was approved as DSCR.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> xx | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report in the loan file is as is; the improvement section shows the exterior siding of the garage needs to be repaired. The estimated cost to cure is in the amount of $300.00. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* DSCR is less than 1.00 (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Net operating income is xx, annual payments (debt service) are xx, and the debt service cover ratio (DSCR) is 0.96."<br> \* Missing Initial 1003_Application (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application signed by the loan originator is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 44679426 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10159.01 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4133.69 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 785 | Not Applicable | 44.589% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument # xx. There are 3 prior credit card judgments against the borrower in favor of different plaintiffs, which were recorded on xx/xx/2018, xx/xx/2019, and xx/xx/2019, in the total amount of xx. There is an active DOJ lien against "xx" in favor of the "xx", which was recorded on xx/xx/2018 in the amount of $3,129.23. The annual installment of county taxes for 2024 has been paid in the amount of $9,752.65 on xx/xx/2024. No prior year's delinquent taxes have been found. | According to the tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,993.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,133.69 with an interest rate of 7.375%. The current UPB reflected as per the tape data is xx. As per the deferment agreement located at xx, the amount of xx has been deferred, and the effective date after deferral payment is xx/xx/2024. | Collections Comments:The current status of the loan is performing.<br> According to the tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the tape data is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is illness of the borrower.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 7.41 years on the job as an operator with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO. Tape shows subject is NOO, as owner occupancy is not supported. Further details not provided. Elevated for client review." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 44.58%. Tape shows subject is NOO, as owner occupancy is not supported, causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 7.41 years on the job as an operator with xx., FICO 785, and $42K equity in the subject."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$132.00." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 8124116 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $732.38 | 07/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2128.40 | 6.000% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Not Applicable | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 675 | 691 | 66.941% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> There is an active prior mortgage against the subject property, which was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of xx. <br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $761.67 on xx/xx/2025 & xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,310.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,128.40 with an interest rate of 6.00%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BBWR has 6 months on the job as a mechanical xx helper with xx.<br> CO-BWR has 2.5 years on the job at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan amount is incorrect, and BWR was refunded the funding fee from VA. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 21061694 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $15614.17 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4844.80 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.630% | 94.630% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 705 | Not Applicable | 42.572% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $8,031.99 on xx/xx/2024.<br> The annual installment of other taxes for 2024 has been paid in the amount of $2,337.36 on xx/xx/2024.<br> The annual utilities/MUD charges for 2024 have been paid in the amount of $5,244.82 on xx/xx/2024.<br> The annual installment of water charges for 2025 is due in the amount of 138.96 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,159.10 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,844.80 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 3 years on the job as an account manager at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.82%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 3 years on the job as an account manager at xx, FICO 705, 0X30 since inception, and $52K equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 61369828 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1957.49 | 06/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1240.70 | 6.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 81.400% | 81.400% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 669 | 625 | 38.645% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> There is an active prior UCC lien against the subject property in favor of xx.<br> which was recorded on xx/xx/2024. <br> For parcel xx<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the total amount of $2,227.40 on xx/xx/2024 and xx/xx/2024.<br> The 1st installment of county taxes for 2025 has been paid in the amount of $1,957.49 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,609.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,240.70 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> As per tape data, the subject property is owner-occupied. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR1 has 3.16 years on the job as a mental health professional with xx. <br> BWR2 has 1.2 years on the job as a service technician with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the qualified mortgage lending policy points and fees test due to Fees charged $6,231.87, exceed the fees threshold of $5,415.27 by $816.60. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $4,636.87 Processing Fee paid by Borrower: $500.00 Underwriting Fee paid by Borrower: $1,095.00<br>The loan failed the FHA QM safe harbor test threshold test due to APR calculated 7.713% exceeds the APR threshold of 8.527% by -0.814%. The subject loan is escrowed.<br>The loan fails the FHA QM Rebuttable Presumption Test due to fees charged of $6,231.87. Exceeds the fees threshold of $5,415.27 by $816.60. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $4,636.87 Processing Fee paid by Borrower: $500.00 Underwriting Fee paid by Borrower: $1,095.00"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2025 does not reflect the appraisal re-inspection fee. CD dated xx/xx/2025 reflects Appraisal Re-Inspection Fee at $175.00. This is an increase in fee of +$175.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br>Loan failed charges cannot increase more than 10% in the tolerance test. LE dated xx/xx/2025 reflects the sum of Section C fees and the recording fee at $1,504.80. The CD dated xx/xx/2025 reflects the sum of Section C and the recording fee at $1,911.75. This is a cumulative increase of +$406.95 for charges that in total cannot increase more than 10% per test. COC for the increase in fee is missing from the loan documents.<br> Subject loan is a refinance, originated on xx/xx/2025 and the SOL is 3 years."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test because the fees charged, $6,231.87, exceed the fee threshold of $5,415.27 by +$816.60. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $4,636.87 Processing Fee paid by Borrower: $500.00 Underwriting Fee paid by Borrower: $1,095.00"<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan does not meet the seasoning requirement of property ownership for a minimum of 12 months for cash-out refinance. The property was purchased by the borrower on xx/xx/2024 for $XX, and the case # was pulled by the previous lender on xx/xx/2025. Further details not provided. The Zillow search reflects an estimated value of $XX."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The mortgage insurance certificate is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 59718354 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6390.50 | 06/30/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6901.82 | 6.875% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 608 | 755 | 52.122% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> There is a prior child support lien against the borrower in favor of xx, which was recorded on xx/xx/2016. The amount of the lien is not provided.<br> The 1st and 2nd installments of county taxes for 2024/2025 were paid in the total amount of $6,390.50 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,793.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,901.82 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape data, the subject property is owner-occupied.<br> BWR1 has 2.66 years on the job as a business development executive at xx.<br> BWR2 has 19.83 years on the job as a sales route driver at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the BWR had two FHA loans and does not qualify for any policy exemptions. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA MI certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 25893319 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1804.70 | 07/02/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $748.64 | 6.875% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 81.400% | 81.400% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 583 | 677 | 36.374% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $1,804.70 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,069.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $748.64 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.25 years on the job as a xx at the xx. <br> BWR2 has 4 years on the job as a lead installation technician at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the BWR had two FHA loans and does not qualify for any policy exemptions. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA MI certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* ROR not hand dated by borrower(s) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand-dated by the borrower." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 71842151 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2966.12 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3425.89 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 788 | 762 | 38.229% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument #xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $2,847.48 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,065.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,425.89 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 & BWR2 have been SE for 10 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file show the revised appraisal xx was not delivered 3 days prior to the note date. Further details not provided. Zillow search shows an estimated value of $XX. Current UPB is $471K." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.163% exceeding the APR threshold of 8.120% by +0.043%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.154% exceeds APR threshold of 8.120% over by +0.034%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 93712284 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2530.02 | 06/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $281.74 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 690 | Not Applicable | 28.477% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> There are 02 UCC liens found against the subject property in favor of xx, which were recorded on xx/xx/2025 and xx/xx/2025.<br> The 1st installment of county taxes for 2024-2025 has been paid in the amount of $1,265.01 on xx/xx/2025.<br> The 2nd installment of county taxes for 2024-2025, in the amount of $1,265.01, is due on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $592.05 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $281.74 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed<br> BWR has been SE for 2.83 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is as-is. The improvement and the photo addendum of the appraisal report show plaster repair needed around the window area and missing kitchen ceiling tiles. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan was deemed ineligible, as the BWR income is from the cannabis-based industry. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 12691396 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Mexico | xx | xx | xx | New Mexico | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1291.36 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1264.97 | 7.375% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 81.400% | 81.400% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 642 | 695 | 52.295% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> There are 2 credit card judgments against the borrower in favor of xx, which were recorded on xx/xx/2015 and xx/xx/2025. The amount of the lien is not provided.<br> There are 5 civil judgments against the borrower in favor of different plaintiffs, which were recorded on different dates, in the total amount of xx.<br> There is a prior state tax lien against the borrower in favor of xx which was recorded on xx/xx/2023 in the amount of xx.<br> The 1st and 2nd installments of combined taxes for 2024 were paid in the total amount of $1,291.36 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,814.20 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,264.97 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 22.66 years on the job as an accounting technician at the xx.<br> BWR2 receives pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the BWR had two FHA loans and does not qualify for any policy exemptions. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA MI certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* ROR not hand dated by borrower(s) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The ROR is not hand-dated by the borrower." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed FHA QM Safe Harbor loan test due to APR calculated 8.233% exceeds APR threshold of 8.077% over by +0.156%."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.233% exceeding the APR threshold of 7.930% by +0.303%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.065% exceeds APR threshold of 7.930% over by +0.135%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 37926431 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2000.91 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5031.16 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 79.718% | 79.718% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | No | Yes | 770 | Not Applicable | 49.620% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $1,920.87 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,162.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,031.16 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the seller's tape data, the subject property is occupied by an investor. <br> BWR has been SE for 29.41 years at xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan is NOO and was approved at 49.62%. Tape shows undisclosed debt. Revised DTI is 58.62%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 29.41 years at xx, FICO 770, 0X30 since inception, $178K equity in the subject, and $7,765 residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 6764103 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3669.01 | 07/02/2025 | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3398.76 | 7.875% | 360 |  | xx | xx |  | Commercial | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 776 | Not Applicable | 42.182% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrumentxx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2025 have been paid in the amount of $2,238.07.<br> The 3rd installment of county taxes for 2025 is due in the amount of $1,274.99 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,229.72 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,398.76 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> The foreclosure was initiated in 2025. Unable to determine the complaint filed date. As per the comment dated xx/xx/2025, the foreclosure was closed as the loan was reinstated on xx/xx/2025.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 3.33 years at xx.<br> Foreclosure Comments:The foreclosure was initiated in 2025. Unable to determine the complaint filed date. As per the comment dated xx/xx/2025, the foreclosure was closed as the loan was reinstated on xx/xx/2025. <br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject is NOO and approved at 42.18%. The tape shows an increased DTI of 44.14%. Further details not provided. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 3.33 years xx., FICO 776 and $158K equity in the subject." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The seller's tape data shows a repurchased loan due to delinquency: The borrower has fallen into Early Payment Default (EPD), which has rendered the loan ineligible to remain with the investor. The borrower failed to make one or more of the first three (3) monthly payments due to the investor post-closing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 90508900 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3705.14 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1079.92 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 106.216% | Full Documentation | Yes | xx | xx | 20.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 647 | Not Applicable | 44.964% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2025 with instrument xx.<br> There is an active junior mortgage (xx) against the subject property in favor of xx in the amount of xx, which originated on xx/xx/2024 and was recorded on xx/xx/2025 with the instrument xx.<br> The annual installment of combined taxes for 2025 has been paid in the amount of $1,454.64 on xx/xx/2025.<br> The annual installment of school taxes for 2025 has been paid in the amount of $2,250.50 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,437.49 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,079.92 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 10 months on the job as a production coordinator at xx. BWR had multiple jobs in the past.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 reflects Transfer Taxes at $1,219.00. Final CD dated xx/xx/2024 reflects Transfer Taxes at $1,223.75. This is an increase in fee of +$4.75 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The seller tape defect shows the investorxx rejected the loan for purchase due to surpassing the purchase deadline of 180 days while we pended receipt of the Final TPOL, and the title policy has been received, which is located at xx. Schedule B of the Final TPOL reflects the mortgage originated on xx/xx/2024 and recorded on xx/xx/2025 in the amount of xx" | \* LTV / CLTV > 100% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Collateral value used for underwriting is xx. The amount of the secondary lien is xx. Loan amount is xx. LTV is 90.00%, and CLTV is 106.215%. Current UPB is $165K."<br> \* LTV or CLTV exceeds 104% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Collateral value used for underwriting is xx. The amount of the secondary lien is xx. Loan amount is xx. LTV is 90.00%, and CLTV is 106.215%. Current UPB is $165K." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 83035681 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1447.38 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2486.02 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 773 | 762 | 47.507% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $1,447.38 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,923.26 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,486.02 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 1.33 years on the job as a deputy public information officer with the xx.<br> BWR1 was a full-time student with the University of xx between xx/xx/2023 and xx/xx/2023 for 3 months.<br> BWR1 had prior employment experience as a deputy with the xx for 1.66 years.<br> Additionally, BWR1 receives dividend interest.<br> BWR2 has 1 year on the job as a social worker with xx.<br> BWR2 was a full-time student and student union employee with the XX of xx between xx/xx/2019 and xx/xx/2024 for 4.75 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Required Documentation Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The revised closing disclosure dated xx/xx/2025 is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 47.50%. Tape shows dividend income miscalculation. The revised DTI is 52.67%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2025, and the 3-year SOL is active. BWR1 has 1.33 years on the job as a deputy public information officer with the xx, FICO 762, 0X30 since inception, $41K equity in the subject, and $4,354 residual income. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 69836920 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2552.00 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $818.61 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 91.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 677 | Not Applicable | 49.656% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> There is one junior mortgage against the subject property originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> The first installment of county taxes for 2025 has been paid in the amount of $1,276.00 on xx/xx/2025.<br> The second installment of county taxes for 2025 is due in the amount of $1,276.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,323.16 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $818.61 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 2.66 years on the job as a line worker with The xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.65%. The tape shows income miscalculation as the VOE shows fluctuating hours and a history of layoffs. The revised DTI is 60.83%. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR has 2.66 years on the job as a line worker with The xx, FICO 677, 0X30 since inception, $14K equity in the subject, and $1,188 residual income." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 10171642 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Wisconsin | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4546.66 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4002.46 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 758 | 756 | 41.831% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with Instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 was paid in the amount of $4,546.66 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,676.16 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,002.46 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has been SE for 5.50 years at xx.<br> BWR2 has 1.33 years on the job as an IT specialist with xx. BWR2 has prior employment experience as an associate with xx for 2 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows an IPC violation, as the seller credit of xx on the final CD exceeds the closing cost of xx by $3,201.09. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 60442880 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3944.22 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2558.71 | 7.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 101.625% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 712 | 744 | 55.266% | First | Short Form Policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> There is an active junior mortgage against the subject property in favor of xx, which originated on xx/xx/2024 and was recorded on xx/xx/2024 with the instrument Book/Page# xx.<br> There are three junior UCC liens against the subject property in favor of xx, which were recorded on different dates. <br> The annual installment of combined taxes for 2024 has been paid in the amount of $3,944.22 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,227.42 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,558.71 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 2.25 years on the job as a therapist with xx. <br> BWR2 has 8 months on the job as an associate chiropractor with xx. Previously, BWR2 had 1.50 years on the job as a student with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 55.26%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 2.25 years on the job as a therapist with xx. BWR2 has 8 months on the job as an associate chiropractor with xx, FICO 712, 0X30 since inception." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL is active."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged xx exceed fees threshold of xx over by +$1,072.71.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $150.00<br> Closing Fee - Lender paid by Borrower: $475.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $399.00<br> Loan Origination Fee paid by Borrower: $3,686.30<br> Points - Loan Discount Fee paid by Borrower: $6,365.12<br> Processing Fee paid by Borrower: $30.00<br> Underwriting Fee paid by Borrower: $600.00.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged xx exceed fees threshold of xx over by +$1,072.71.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $150.00<br> Closing Fee - Lender paid by Borrower: $475.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $399.00<br> Loan Origination Fee paid by Borrower: $3,686.30<br> Points - Loan Discount Fee paid by Borrower: $6,365.12<br> Processing Fee paid by Borrower: $30.00<br> Underwriting Fee paid by Borrower: $600.00."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling organizations disclosure is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial application is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD dated xx/xx/2024 reflects cash to the borrower in the amount of $3,269.51."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.404% exceeds APR threshold of 8.230% over by +0.174%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.241% exceeds APR threshold of 8.230% over by +0.011%. <br>Loan failed FHA QM Safe Harbor threshold test due to APR calculated 8.404% exceeds APR threshold of 8.427% below by -0.023%." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 57860528 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1460.38 | 08/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1830.64 | 5.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | 99.586% | 99.586% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 680 | Not Applicable | 49.997% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024 have been paid in the total amount of $1,467.68 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,128.55 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,830.64 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 2.10 years on the job as an HVAC maintenance technician with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2025 reflects loan origination fee at $3,069.00. Final CD dated xx/xx/2025 reflects loan origination fee at $3,083.00. This is an increase in fee of $14.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx/xx/2025, and the 3-year SOL is active."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and the AUS report show the lender used an incorrect appraised value of $XX. Review of the appraisal report shows an appraised value of $XX, which increases the LTV from 94.86% to 97.87%. Further details not provided. Zillow search shows an estimated value of $XX. Current UPB is $312K."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 23797301 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Florida | xx | xx | No | No | Not Applicable | First |  | $0.00 | $2539.19 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1461.70 | 6.375% | 240 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 672 | 635 | 44.748% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with Instrument xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2023-2024 have been paid in the total amount of $4,616.7 on xx/xx/2024 and xx/xx/2024.<br> The first installment of county taxes for 2024-2025 has been paid in the amount of $2,539.19 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,982.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,461.7 with an interest rate of 6.375%. The current UPB reflected as per payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1 year on the job as an associate at xx. BWR1 had multiple jobs in the past.<br> BWR2 has 1 month on the job as an xx. Additionally, BWR2 has 1 year on the second job as a medical supply specialist at the xx. BWR2 had multiple jobs in the past.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 44.74%. Tape shows BWR1 was not employed at the time of closing. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 1 year on the job as an associate at xx. BWR2 has 1 month on the job as an EVS leader at xx. Additionally, BWR2 has 1 year on the second job as a medical supply specialist at xx, FICO 635, and $25K equity in the subject."<br> \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD dated xx/xx/2024 reflects cash to the borrower in the amount of $9,330.04." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 41218628 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1626.91 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4354.19 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 83.500% | 83.500% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 764 | 699 | 47.776% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 have been paid in the amount of $1,626.91 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025 and the first payment due date is xx/xx/2025. According to the tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $4,354.19 with an interest rate of 7.375%. The current UPB reflected as per the tape data is xx. | Collections Comments:The loan is performing.<br> The loan was originated on xx/xx/2025 and the first payment due date is xx/xx/2025. The current UPB reflected as per the tape data is xx.<br> As per the tape data the subject property is owner occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR2 has 12.33 years on the job as a transit operator with xx. BWR3 has 11 years on the job as a customer service representative with the xx. Additionally, BWR3 has 6.16 years on the job as a property manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 47.77%. The tape shows rental income miscalculation, and the lender used 100% ownership; the actual ownership was 25%. Revised DTI is 68.99%. Lender defect. The subject originated on xx/xx/2025, and the 3-year SOL is active. BWR2 has 12.33 years on the job as a transit operator with xx. BWR3 has 11 years on the job as a customer service representative with xx. Additionally, BWR3 has 6.16 years on the job as a property manager with xx, FICO 699, $115K equity in the subject, and a residual income of $3,259." | \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID total of payment disclosed on final CD as xx. Calculated total of payments is xx for an under disclosed amount of -$505.31. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100. The subject is a purchase case originated on xx/xx/2025, and the 1-year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 4728154 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1803.85 | 07/24/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1152.06 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 100.700% | Full Documentation | Yes | xx | xx | 16.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 697 | Not Applicable | 49.500% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with book/page #xx.<br> There is a junior mortgage against the subject property that originated on xx/xx/2024 and was recorded on xx/xx/2024 in favor of the xx.<br> There is a prior child support lien against xx. in favor of xx, which was recorded on xx/xx/2013.<br> The annual installment of combined taxes for 2025 has been paid in the amount of $1,803.85 on xx/xx/2025.<br> The annual installment of utility charges for 2025 is delinquent in the amount of $463.16, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,549.76 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,152.06 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> BWR has 4 months on the job as an electrician with xx. BWR had multiple jobs in the past.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.50% DTI. The Lender allowed the loan to close with instability of employment and income. Lender defect. The subject loan originated xx/xx/2024 and the 3-year SOL is active. BWR has 4 months on the job as an electrician withxx, FICO 697, $2,087 residual income, $5K in assets." |  |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 2246682 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10168.61 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $8690.93 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 744 | 809 | 44.972% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the amount of xx on xx/xx/2024 and xx/xx/2025, respectively.<br> The first installment of county taxes for 2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,690.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $8,690.93 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 7.41 years on the job as a manager with xx. <br> BWR2 has been SE for 14.33 years at xx. Additionally, BWR2 has been SE for 2.41 years at xx and has 2.41 years on the job as a partner at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 44.97%. Tape shows qualifying income for BWR2 is not supported by income documents. Further details not provided. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 7.41 years on the job as a manager with xx. BWR2 has been SE for 14.33 years at xx. Additionally, BWR2 has been SE for 2.41 years at xx and has 2.41 years on the job as a partner at xx, FICO 744, and $558K equity in the subject. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 40407213 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4345.44 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1581.49 | 4.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 94.938% | 94.938% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | No | No | 738 | 734 | 19.883% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx.<br> There is a UCC lien against the subject property in favor of xx, which was recorded on xx/xx/2024.<br> The first and second installments of county taxes for 2024-2025 have been paid in the total amount of $4,345.44 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,361.78 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,581.49 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR2 has 18.41 years on the job as a senior maintenance test supervisor with xx. BWR3 has 32.83 years on the job as an office manager at xx. BWR4 receives SSA income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject is a manufactured home closed at an LTV of 97% and exceeds the LTV of 95% for MF homes. Further details not provided."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from the loan documents." | \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at xx the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at xx state that the manufactured home with serial #xx has been affixed to the permanent foundation." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 63544219 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | No | Not Applicable | First |  | $0.00 | $6336.02 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1978.30 | 5.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 638 | 705 | 53.994% | First | Final policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $6,336.02 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,976.83 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,944.28 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 receives pension income.<br> BWR2 has 11 months on the job as a server with xx. Previously, BWR2 had 4 months on the job as a guest service associate at xx, and prior to that, BWR2 was SE for 2.83 years at xx between xx/xx/2018 and xx/xx/2020.<br> BWR3 receives social security and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows 2 FHA loans within the same area. Further details not provided. The subject is an FHA purchase loan for a primary residence in xx. The file shows BWR owns REO property in xx, with an FHA mortgage." | \* Homeownership Counselling Disclosure is missing. (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling organizations disclosure is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "FHA MI certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 50681443 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | No | Not Applicable | First |  | $0.00 | $2643.82 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4551.70 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 84.444% | 84.444% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 805 | Not Applicable | 13.893% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2025 has been paid in the amount of $2,604.17 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,112.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,551.70 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 29.09 years at xx. Additionally, the BWR has been SE for 2.16 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. The tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 13.89%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 29.09 years at xx. Additionally, the BWR has been SE for 2.16 years at xx. FICO 805, 0X30 since inception, and $153K equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 31811729 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $74.98 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $435.22 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 769 | Not Applicable | 49.574% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrumentxx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024-2025 has been paid in the amount of $37.49 on xx/xx/2025.<br> The second installment of county taxes for 2024-2025 is due in the amount of $37.49 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $584.88 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $435.22 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 5.33 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 49.57%. Tape shows undisclosed debt opened prior to closing. Further details were not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 5.33 years at xx, FICO 769, and has $4K equity in the subject. BWR has been 1X60 since inception."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2024 does not reflect points - loan discount fee. The CD dated xx/xx/2024 reflects points - loan discount fee at $1,254.75. This is an increase in fee of +$1,254.75 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx/xx/2024, and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 35403586 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2499.94 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1660.63 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | No | No | 740 | 710 | 28.506% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> There are three prior IRS liens found against the borrower in favor of the xx, which were recorded on different dates in the amount of xx.<br> There are sixteen credit card judgments against the borrower filed by different plaintiffs, which were recorded on different dates, in the total amount of xx. <br> The annual installment of county taxes for 2024 has been paid in the amount of $2,499.94 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,091.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,660.63 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the servicing comment dated xx/xx/2025, the occupancy of the subject property is stated as unknown.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 2.33 years on the job as a ramp agent with xx.<br> BWR2 has 4 years on the job as a project engineer with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the condo is subject to ongoing litigation, and the HOA insurance policy covering any potential liability is missing from the loan documents. A review of the file shows the master insurance policy for the condo project, the condo questionnaire, and supporting documents related to the litigation against the condo project are missing from the loan documents. Further details not provided." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$1,005.75. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 92849582 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5704.28 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1700.27 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 53.800% | 53.800% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 622 | 705 | 49.996% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx.<br> No active judgments or liens have been found.<br> The 1st annual installment of county taxes for 2025 has been paid in the amount of $2,852.14 on xx/xx/2025.<br> The 2nd annual installment of county taxes for 2025 is due in the amount of $2,852.14 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,228.17 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,700.27 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> BWR1 and BWR2 receive social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow shows an estimated value of $XX. Current UPB is $266K." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is NOO and was approved at 49.99%. Tape shows undisclosed debt opened prior to closing. The revised DTI is 57.14%. BWR defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR1 and BWR2 receive social security and retirement income, FICO 622, 0X30 since inception, and $5,610 residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 99460273 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oklahoma | xx | xx | xx | Oklahoma | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2820.00 | 07/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1900.84 | 6.375% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | 101.562% | 101.562% | Streamline Refinance | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $2,820.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,463.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,900.84 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:<br> The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a VA streamline refinance loan. Tape shows the loan does not meet GNMA seasoning guidelines. Further details are not provided."<br> \* Missing proof of hazard insurance (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Hazard insurance policy is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Not Covered | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 41293660 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6174.20 | 07/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5162.49 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | DSCR | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 700 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> There are 03 prior civil judgments against the borrower in favor of xx, which were recorded on xx/xx/2025 in the total amount of $625.78.<br> The 1st and 2nd annual installments of borough taxes for 2026 have been paid in the total amount of $3,087.10 on xx/xx/2025 and xx/xx/2025.<br> The 3rd and 4th annual installments of borough taxes for 2026 are due in the total amount of $3,087.10 on xx/xx/2026 and xx/xx/2026.<br> The annual utilities charges for 2025 have been delinquent in the amount of $158.98, which was due on xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,994.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,162.49 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is non owner-occupied.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan closed with insufficient reserves of only 1 month. Bank statements in the file (including EMD) show total verified assets of xx satisfy the cash-to-close requirement of $139K at closing and the reserve requirement of $17K. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 22836520 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2112.11 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 36.167% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with book xx. No active judgments or liens have been found. The annual installment of county taxes for 2025 has been paid in the amount of $944.38 on xx/xx/2025. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,523.57 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,112.11 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. As per tape data, the occupancy of the subject property is owner-occupied. As per the collection comment dated xx/xx/2025, the reason for default is payment dispute. No details pertaining to the damage to the subject property have been observed. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. BWR has 4 months on the job as a head of sales with xx. Additionally, BWR has been SE as a driver with xx for 2.5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 36.17% DTI. The Lender allowed the loan to close with instability of employment and income. Lender defect. The borrower has been employed for 3 months as a Head Sales Specialist for xx with no prior similar experience. The subject loan originated xx/xx/2024 and the 3-year SOL is active, FICO 759, $4664 residual income, 1X30 since inception and xx equity in the subject property." | \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and final CD show seller credit of $9,900 exceeding closing costs of $9,242.33 by $657.67, and reducing the sales price by the amount of excessive contribution resulted in LTV exceeding 95%. Due to a 30-day delinquency, no alternative eligibility options were available, and Fannie Mae issued a repurchase demand. The BWR claims that the late payment was due to bank error and is unable to provide any evidence. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 31812654 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3954.14 | 08/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1010.58 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 45.455% | 45.455% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 717 | 729 | 47.074% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $3,954.14 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,010.58 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,010.58 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has been SE for 12.25 years at xx. Additionally, BWR1 receives social security income.<br> BWR2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home equity loan copies of documents are missing from the loan file."<br> \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Home equity loan interest and fees pre-closing disclosure is missing from the loan file."<br> \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The home equity loan notice of address for borrower notification of violation is missing from the loan file."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows no anti-steering disclosure was provided. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 7783847 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | xx | xx | Connecticut | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $65.63 | 07/31/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2002.96 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 77.333% | 77.333% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 804 | 786 | 22.427% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with book/page xx.<br> No active judgments or liens have been found.<br> The combined taxes for 2024 have been paid in the amount of $65.63 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,002.96 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,002.96 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the occupancy of the subject property is secondary.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has been SE for 10.66 years at xx.<br> BWR2 receives defined contribution plan income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was originated on xx/xx/2025. Tape and the NMLS site show the mortgage broker was not licensed with the lender as of xx/xx/2025. Subject originated 5/XX/25. Further details not provided." |  |  | Elevated | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 21202515 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1843.60 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $897.25 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 790 | 775 | 41.599% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx. No active judgments or liens have been found. The annual installment of county taxes for 2024 has been paid in the amount of $1,769.86 on xx/xx/2024. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,284.55 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $897.25 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | Collections Comments: According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. No details pertaining to the damage to the subject property have been observed. No foreclosure activity has been found. No post-close bankruptcy record has been found. As per tape, the subject property is owner-occupied. BWR1 has 11 months on the job as an xx with xx. Previously, BWR1 had 9 months on the job as a field support engineer with xx, and prior to that, BWR1 had 8 months on the job at xxbetween xx/xx/2022 and xx/xx/2023. BWR2 has 5.75 years on the job as a service admin with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. Initial loan estimate dated xx/xx/2025 reflects Appraisal Fee at $350.00. Final CD dated xx/xx/2025 reflects Appraisal Fee at $500.00. This is an increase in the fee in the amount of +$150.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2025, and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject property is a manufactured home/condo and is ineligible to be sold to the agency. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD dated xx/xx/2025 reflects cash to in the amount of $6,841.35."<br> \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at xx the subject property type is a manufactured home. The ALTA 7 endorsement is attached with the final title policy. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at xx state that the manufactured home has been affixed to the permanent foundation." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 44167380 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6499.66 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5013.19 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 92.500% | 92.500% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 707 | Not Applicable | 44.810% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024/2025 have been paid in the total amount of $6,499.66 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,462.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,013.19 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3 months on the job as a clinical supervisor with xx. Previously, BWR had 2.83 years on the job as a clinical supervisor with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is a purchase case, originated on xx/xx/2025 and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show the LP recommendation is refer with caution with 44% DTI. Review shows ATR confirmed."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial closing disclosure is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 13417730 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second | XXXX | $0.00 | $8808.78 | 07/16/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $959.81 | 9.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 85.000% | 85.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 761 | 790 | 49.922% | Second | Final policy | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 in the amount of xx with instrument xx.<br> There is an active prior UCC Financial Statement against the subject property in favor of xx., which was recorded on xx/xx/2021. As per the subordination agreement located at xx recorded on xx/xx/2025. The UCC Financial Statement is subordinated to the subject mortgage.<br> The 1st and 2nd installments of county taxes for 2024/2025 have been paid in the total amount of $8,808.78 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $959.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $959.81 with an interest rate of 9.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 6 years on the job as an estimator with xx.<br> BWR2 has 1 year on the job as a private duty caregiver at xx. Previously, BWR2 had 7.91 years on the job as a home caregiver at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.92%. Tape shows lender did not include monthly MI from first lien of $506.09 in DTI calculation. The revised DTI is 53.26%. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR1 has 6 years on the job as an estimator at xx. BWR2 has 1 year on the job as a caregiver at xx, FICO 761, and 0X30 since inception. $4472 residual income. $124K equity in subject." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $XX. Current UPB is $116K." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 81632636 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $9336.70 | 07/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1605.06 | 8.875% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 92.674% | 92.674% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 734 | 740 | 48.280% | Second | Short Form Policy | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx.<br> There is a child support lien in favor of the xx, which was recorded on xx/xx/2019. The supportive document does not reflect the lien amount. The SSN mentioned on supportive documents is inconsistent with the borrower's SSN.<br> The first and second installments of county taxes for 2024/2025 have been paid in the total amount of $9,336.70 on xx/xx/2025 and xx/xx/2025.<br> The first and second installments of county (supplemental) taxes for 2021 have been paid in the total amount of $43.59 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,605.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,605.06 with an interest rate of 8.875%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 2.5 years on the job as a senior campaign coordinator at xx. Additionally, BWR1 has 13.83 years on the second job as a healthcare provider at xx.<br> BWR2 has 4.5 years on the job as a canvasser at xx. Additionally, BWR2 has 3.83 years on the second job as a healthcare provider at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2025 does not reflect Reinspection 1004D Fee. Post CD dated xx/xx/2025 reflects Reinspection 1004D Fee at $137.00.<br> Loan estimate dated xx/xx/2025 does not reflect Transfer Taxes. Post CD dated xx/xx/2025 reflects Transfer Taxes at $1,509.00.<br> This is a cumulative increase in fee of $1,646.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/2025 and the 3-year SOL is active.<br>TRID violation due to decrease in lender credit on CD dated xx/xx/2025. Revised LE dated xx/xx/2025 reflects lender credit at $2,259.00. Post CD dated xx/xx/2025 reflects lender credit at $570.60. This is decrease of -$1,688.40 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/2025 and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the CLTV of 93.42% exceeds the guideline CLTV of 90%. Further details not provided. Review of the file shows the subject loan was approved at 92.674% CLTV."<br> \* Missing Appraisal (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is missing from the loan documents. Zillow search shows an estimated value of $XX. Current UPB is $179K."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 47716715 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3906.42 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3101.82 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 698 | 739 | 44.028% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with Instrument xx.<br> There is one active prior credit card judgment against the borrower in favor of xx, which was recorded on xx/xx/2009, and the judgment was re-recorded on xx/xx/2010 and xx/xx/2015 in the amount of xx.<br> The annual county taxes for 2024 have been paid in the amount of $3,750.16 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,438.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,101.82 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 5.25 years on the job as a driver with xx. <br> BWR2 has 2.08 years on the job as a software developer with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 44.02%. Tape shows miscalculation of liabilities. Revised DTI is 68%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 5.25 years on the job as a driver with xx. BWR2 has 2.08 years on the job as a software developer with xx, FICO 698, 0X30 since inception, $55K equity in the subject, and a residual income of $5,364." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows mortgage insurance is subject to cancellation. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2024 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $9,642.00. This is an increase fee in the amount of +$9,642.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 3746296 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7233.74 | 07/23/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1631.65 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 39.850% | 39.850% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 802 | Not Applicable | 49.502% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx<br> No active judgments or liens have been found. <br> The first and second installments of county taxes for 2024-25 have been paid in the total amount of $7,233.74 on xx/xx/2024 and xx/xx/2025. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received was on 0xx/xx/2025 in the amount of $2,357.41 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,631.65 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> Unable to determine the RFD.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br>BWR has xx years on the job as a xx. Additionally, BWR has xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.05% DTI. Tape shows rental income not documented. Lender defect. Revised DTI is 79.93%. The BWR is employed with xx and has a second job with xx. The subject loan originated xx/xx/2024 and the 3-year SOL is active, FICO 802, $1027 in residual income, and $400K equity in the subject." | \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID total of payment disclosed on the final CD is xx. The calculated total of payments is xx for an underdisclosed amount of -$129.95. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100. The subject loan is a purchase case that originated on xx/xx/2024, and the 1-year SOL is active."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the GSE (Freddie Mac public guidelines) QM points and fees test due to the fees charged of $7,700.00 exceed the fees threshold of $7,563.09 over by +$136.91. The below fees were included in the test: Loan Origination Fee paid by Borrower: $5,300.00 Points - Loan Discount Fee paid by Borrower: $1,105.00 Underwriting Fee paid by Borrower: $1,295.00.<br>The loan failed the qualified mortgage lending policy points and fees test due to the fees charged of $7,700.00 exceed the fees threshold of $7,563.09 over by +$136.91. The below fees were included in the test: Loan Origination Fee paid by Borrower: $5,300.00 Points - Loan Discount Fee paid by Borrower: $1,105.00 Underwriting Fee paid by Borrower: $1,295.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 84669704 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4767.88 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1123.03 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 759 | Not Applicable | 31.609% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with Book/Page xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 was paid in the amount of $4,767.88 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,679.64 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,123.03 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xxyears on the job as an xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan is NOO and was approved at 32%. Tape shows debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has 14.91 years on the job as an xx, FICO 759, 0X30 in the last 24 months, and $101k equity in the subject." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 90980188 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $8018.28 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $919.31 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 742 | Not Applicable | 37.147% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 with instrument xx in the amount of xx.<br> There are two active credit card judgment liens against the borrower in favor of xx, which were recorded on xx/xx/2024 and xx/xx/2022, in the total amount of xx.<br> There is one active UCC lien against the subject property in favor of XXXX, which was recorded on xx/xx/2020.<br> The annual combined taxes for 2024 have been paid in the amount of $5,195.77 on xx/xx/2024.<br> The annual utilities/MUD taxes for 2025 have been paid in the amount of $2,822.51 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,786.83 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $919.31 with an interest rate of 3.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2023, the reason for default is illness of the mortgagor's family member.<br> As per the comment dated xx/xx/2023, the borrower's income was impacted by covid-19. No further details are available.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2023.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE as a driver for 4.5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The original note is missing from the loan files. The P&I as per payment history tape data is $919.31, and the rate of interest is 3.87500%. There is a difference in P&I and rate of interest with respect to the tape data. The modification agreement is missing from the loan file. | HUD-1 Closing Statement<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "File missing final executed CD. CE was tested based on the unexecuted CD at closing." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 37.14%. The tape shows a debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2020, and the 3-year SOL has expired. BWR has been xx. FICO 742, 1X30 in the last 24 months, and $23K equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Not Covered | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 792181 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7705.18 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1855.95 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 803 | 804 | 35.581% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx.<br> There is an active UCC lien against the subject property in favor of xx, which was recorded on xx/xx/2021.<br> The 1st and 2nd installments of county taxes for 2024-2025 have been paid in the total amount of $7,705.18 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,653.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,855.95 with an interest rate of 2.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to collection comments, the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per tape data, the property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has xx years on the job as an xx.<br> BWR2 has 1 month on the job as a xx. Previously, BWR2 had xx years on the job as an xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 35.58%. Tape shows employment misrepresentation. Further details not provided. BWR defect. Subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR1 has xx years on the job as an xx; BWR2 has 1 month on the job as a xx, FICO 803, 0X30 in the last 24 months, and $89K equity in the subject."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$395.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 39898940 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5194.37 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $989.12 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 84.833% | 84.833% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 752 | 694 | 32.615% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $4,986.60 on xx/xx/2024.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,477.38 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $989.12 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner occupied.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br>BWR1 has 5 months on the job as a senior loan officer with xx. Additionally, BWR1 has been SE for 3.83 years at xx.<br> BWR2 has 2.75 years on the job as a food and beverage manager with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan does not meet the 4-year seasoning period requirements for prior foreclosure history. The credit report does not show any prior foreclosure history for both the BWRs. Further details not provided." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final TIL as xx. Calculated finance charge is xx for an under disclosed amount of -$329.95. Subject loan is a purchase case, originated on xx/xx/2021, and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 83871425 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9296.36 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1538.49 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 765 | 727 | 50.209% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $9,296.36 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,450.85 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,538.49 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is a second home.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been SE for 24.08 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 50.20%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has been SE for 24.08 years at Brett A. Hoover, DDS, FICO 727, 0X30 in the last 24 months, and $121K equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations"<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$160.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount Fee. The CD dated 0xx/xx/2021 reflects Points - Loan Discount Fee at $1,692.55. This is an increase in fee of $1,692.55 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on 0xx/xx/2021, and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 50.20%, the borrower income is xx, and total expenses are in the amount of $9,928.10, and the loan was underwritten by LP (20477859_Hoover_File_Pg#22), and its recommendation is "Accept" with a DTI of 50.20%." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 65136142 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7786.62 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1734.79 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 798 | Not Applicable | 35.296% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The first, second, and third installments of town taxes for 2025 have been paid in the total amount of $5,738.11 on xx/xx/2025, xx/xx/2025, and xx/xx/2025.<br> The annual installment of utilities/MUD charges for 2025 has been paid in the amount of $200.00 on xx/xx/2025.<br> The first, second, and fourth installments of taxes for the town are due in the total amount of $5,941.81 on xx/xx/2025, xx/xx/2026, and xx/xx/2026.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,734.79 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,481.35 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the reason for the default.<br> BWR has xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the state regulations for the prohibited fees test.<br> The below fees were included in the test:<br> Builder Fee paid by Borrower: $825.00<br> HOA Dues paid by Borrower: $344.10<br> HOA One time membership paid by Borrower: $1,500.00<br> HOA working Capital paid by Borrower: $558.00<br> Real Estate Commission paid by Seller: $6,500.00<br> Title CPL paid by Borrower: $75.00."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $XX. Comp #3 with a sales price of $XX, is closest to the subject property. Redfin search shows an estimated value of $XX. Current UPB is $362K. Further details not provided." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 84526985 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8546.88 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1194.35 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 756 | Not Applicable | 47.815% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $8,546.88 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,068.32 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,194.35 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Occupancy concerns - (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as an OO. Tape shows occupancy misrepresentation. Further details not provided." | \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.81% as the borrower's income is xx and total expenses are in the amount of xx and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of 47.81%." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 35212248 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | No | Not Applicable | First |  | $0.00 | $2901.84 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1374.89 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 73.349% | 73.349% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 720 | Not Applicable | 45.127% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the amount of $2,901.84 on xx/xx/2024 and xx/xx/2025, respectively.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,695.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,374.89 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is non-owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan is NOO and was approved at 45.12%. Tape shows undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has xx years on the job as a xx.<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 45.12%, as the borrower's income is xx, and total expenses are in the amount of xx. The loan was underwritten by LP xx, and its recommendation is "Accept" with a DTI of 45%." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 99241255 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6175.05 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1031.52 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 816 | Not Applicable | 44.986% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installments of combined taxes for 2024 have been paid in the amount of $6,175.05 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,718.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,031.52 with an interest rate of 3.1250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 1.33 years on the job as a professor and discipline lead of banking and financial services at xx. Additionally, BWR had 1.58 years on the second job as a professor at the xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 44.98%. Tape shows miscalculation of liabilities. Revised DTI is 56.95%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has xx years on the job as a xx, FICO 816, 1X90 in the last 24 months, $78K equity in the subject, and $2,434 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect points - loan discount fee. Final CD dated xx/xx/2021 reflects points - loan discount fee at $2,446.52. This is an increase in fee of $2,446.52 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx/xx/2021 and the 1-year SOL has expired."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.98% as the borrower's income is xx and total expenses are in the amount of xx and the loan was underwritten by AUS xx and its recommendation is approve/eligible with a DTI of 44.99%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 75399762 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2719.75 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1057.94 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 774 | Not Applicable | 44.269% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the total amount of $2,719.75 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,491.29 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,057.94 with an interest rate of 3.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape data, the subject property is non-owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 4.75 years on the job as a physicist PhD with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is NOO and was approved at 44.26%. Tape shows BWR was not employed at the time of closing. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2022, and the 3-year SOL has expired. BWR has xx years on the job as a xx, FICO 774, 0X30 in the last 24 months, and $89K equity in the subject."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial 1003 signed by the loan originator is missing from the loan files." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 79662552 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5261.62 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1374.90 | 2.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 726 | Not Applicable | 33.319% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> There is an active UCC lien against the subject property in favor ofxx:<br> xx, which was recorded on xx/xx/2022 with instrument xx.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $5,261.62 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,912.31 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,374.90 with an interest rate of 2.75%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is subject to the completion of construction, installation of appliances, and turning on of the utilities. The cost of repairs is not available. The 1004D report is missing from the loan documents. The final CD does not reflect the escrow holdback." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show the appraisal was more than 120 days old at closing and expired at closing. The appraisal update confirming no decrease in value is available in the loan documents. Zillow search shows an estimated value of $XX. Current UPB is $306K. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed charges that cannot increase the 0% tolerance test. The initial LE dated xx/xx/2021 reflects a transfer tax fee of $374.00. The final CD dated xx/xx/2022 reflects a transfer tax fee of $377.00. This is an increase in fee of +$3.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2022, and the 1-year SOL has expired."<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 55408546 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8198.64 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1994.13 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 761 | 738 | 42.599% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> There is a UCC lien against the subject property in favor of xx, DBA: xx, which was recorded on xx/xx/2022.<br> The 1st and 2nd installments of county taxes for 2024/2025 were paid in the amount of $8,198.64 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,756.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,994.13 with an interest rate of 4.75%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is payment dispute.<br> As per the tape data, the subject property occupancy is stated as a second home.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has xx years on the job as a xx.<br> BWR2 has xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Occupancy concerns - (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as a second home. Tape shows occupancy misrepresentation. Further details not provided." | \* Compliance Testing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails compliance delivery and timing test for CD dated xx/xx/2022. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2022, which is before the consummation date of xx/xx/2022."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$192.50. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. The subject loan is a purchase, originated on xx/xx/2022, and the 1-year SOL has expired." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 61217676 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8340.64 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1914.68 | 4.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | Yes | 670 | 663 | 55.710% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 were paid in the amount of $8,340.64 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,318.52 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,914.68 with an interest rate of 4.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found related to damage or repairs.<br> As per tape, the subject property has been occupied by the owner.<br> BWR has been SE for xx years at xx.<br> BWR 2 has xx years on the job as an xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is completed as "subject to the completion of construction" for the installation of oven/range, microwave ventilation unit, dishwasher, disposal, plumbing, HVAC, or electrical systems. The cost to complete is not available in the appraisal report. The 1004D/completion certificate is missing from the loan documents. The final CD does not reflect the escrow holdback. Zillow search reflects an estimated value of $XX. The current UPB is $358K." | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Schedule B of final title policy shows an exception for covenant and conditions regarding the repair or remediation on the land, lease, grant, mineral rights. Tape defect shows the CCR's do not meet agency guidelines. No further details are found." | \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 48344347 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Utah | xx | xx | xx | Utah | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2329.02 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2299.47 | 4.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.171% | 98.171% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 705 | Not Applicable | 54.956% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $2,329.02 on xx/xx/2024.<br> The annual water charges for 2025 have been delinquent in the amount of $59.20, which was due on xx/xx/2025.<br> The annual sewer charges for 2025 are due in the amount of $66.20 on xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,495.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,299.47 with an interest rate of 4.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The seller's tape data shows CC&Rs do not meet agency guidelines. Further details are not provided." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete due to the initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2022, and the 1-year SOL has expired."<br> \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "FHA MI certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 54.95%, as the borrower's income is xx and total expenses are in the amount of $3,896.09, and the loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of 54.95%."<br> \* Settlement date is different from note date (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final CD reflects the closing date as xx/xx/2022. The notary's signature date on the mortgage/deed of trust is xx/xx/2022. Note date is xx/xx/2022." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 39537052 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8609.32 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2490.57 | 5.125% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 763 | 769 | 47.552% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of combined taxes for 2024 have been paid in the total amount of $8,184.44 on xx/xx/2024 and xx/xx/2024.<br> The 1st and 2nd installments of combined taxes for 2025 are due in the total amount of $8,609.32 on xx/xx/2025 and xx/xx/2025.<br> The annual installment of water charges for 2025 has been delinquent in the amount of $20.00, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,306.53 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,490.57 with an interest rate of 5.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for default.<br> As per the tape, the subject property is a secondary home.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br>BWR2 has 5.91 years on the job as a physician with XXX.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application | xx | 3: Curable |  | \* Occupancy concerns - (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as a second home. Tape shows occupancy misrepresentation. Further details not provided." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$692.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing."<br> \* Missing Initial 1003_Application (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial 1003 signed by the loan originator is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 47.52%, as the borrower's income is xx and total expenses are in the amount of xx, and the loan was underwritten by DU (xx), and its recommendation is "Approve/Eligible" with a DTI of 47.52%." |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 69735547 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12451.28 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2972.98 | 4.625% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 758 | 732 | 49.804% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> There is an active UCC lien against the subject property in favor of xx, which was recorded on xx/xx/2022. <br> The 1st and 2nd installments of county taxes for 2024 have been paid in the amount of xx on xx/xx/2024 and xx/xx/2025, respectively.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,067.40 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,972.98 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has xx month on the job as a xx. Previously, BWR had xx years on the job as a xx. BWR2 has xx months on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.80%. The tape shows debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. BWR has been on the job for xx month as a xx. BWR2 has xx months on the job as a xx, FICO 723, 1X60 in the last 24 months, and $220K equity in the subject."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 49.80%, the borrower income is xx, and total expenses are in the amount of $6,804.41, and the loan was underwritten by LP (xx), and its recommendation is "Accept" with a DTI of 49.80%." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 86914983 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | xx | xx | Utah | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2971.71 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3327.51 | 4.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 93.136% | 93.136% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 757 | 763 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $2,971.71 on xx/xx/2024.<br> The water charges for 2024 are delinquent in the amount of xx good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,804.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,327.51 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR 2 has xx month on the job as a xx. Previously, <br> BWR 2 had xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 44.60%. Tape shows debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL will expire on xx/xx/2025. BWR 2 has xx month on the job as a xx, FICO 757, 0X30 in the last 24 months, and $78K equity in the subject."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$549.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 44.60%, the borrower income is xx, and total expenses are in the amount of $5,575.85, and the loan was underwritten by LP (xx), and its recommendation is "Accept" with a DTI of 44.60%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 49399572 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6829.98 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2739.68 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 752 | 806 | 47.614% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> There is an active UCC lien against the subject property in favor of xx, which was recorded on xx/xx/2022.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $6,829.98 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,538.02 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,739.68 with an interest rate of 6.75%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has been SE for xx years with xx.<br> BWR2 has been SE for xx years with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 47.61%. The tape shows income miscalculation. Further details are not provided. Lender defect. The subject loan was originated on xx/xx/2022, and the 3-year SOL has expired. BWR1 has been SE for xx years with xx. BWR2 has been SE for xx years with xx, FICO 752, 1X90 and 2X60 in the last 24 months, and $120K equity in the subject and $3,242 residual income."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx. Calculated finance charge is xx for an under disclosed amount of $171.00. <br> Subject loan is a purchase case, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.61% as the borrower's income is $7,380.92 and total expenses are in the amount of $3,514.36 and the loan was underwritten by AUS (xx) and its recommendation is approve/eligible with a DTI of 47.61%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 76576397 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6255.03 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2709.16 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 777 | Not Applicable | 49.421% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2025 has been paid in the amount of $1,567.01 on xx/xx/2025.<br> The 2nd, 3rd and 4th installments of county taxes for 2025 are due in the total amount of $4,688.02 on xx/xx/2026.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,292.90 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,709.16 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is non-owner occupied.<br>BWR has xx years on the job as a xx. Additionally, BWR has xx years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.42% DTI. The Lender miscalculated income. Lender defect. Revised DTI 50.12%. The BWR is employed with xx for xx years and Kaiser Permanente as a xx for xx years. The subject loan originated xx/xx/2022 and the 3-year SOL is active, FICO 777, $8,855 residual income, $37K in reserves, 0 x 30 in the last 18 months and $110K equity in the subject." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 2895956 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8749.06 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1987.38 | 5.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 64.602% | 64.602% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | No | Yes | 773 | Not Applicable | 48.136% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx.<br> There is a UCC lien against the subject property in favor of xx, which was recorded on xx/xx/2023. <br> The first and second installments of county taxes for 2024 have been paid in the amount of $8,749.06.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,832.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,987.38 with an interest rate of 5.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the subject property is owner-occupied.<br> BWR has been SE for xx years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows assets could not be verified. Bank statements in the file show $205K that satisfy the cash-to-close requirement of $196K. Further details not provided. Subject originated xx/xx/23. 0X30 since inception." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$695.00."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 62860511 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6914.64 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2646.04 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 792 | Not Applicable | 46.532% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx with MERS as a nominee for xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024 have been paid in the amount of $6,914.64 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,438.16 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,646.04 and the interest rate is 4.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.16 years on the job as a tax consultant with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows asset misrepresentation. Final CD shows cash to close requirement is $123k. Bank statement dated 2/7 shows $151K satisfied the requirement. Further details not provided." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. The finance charge disclosed on the final CD as xx. The calculated finance charge is xx for an under disclosed amount of -$649.00. The reason for the finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase case, originated on xx/xx/2023, and the SOL of 1 year has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 44314902 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9353.28 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2121.38 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 673 | 786 | 37.645% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $3,500.48 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,519.13 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,121.38 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> As per the tape, the subject property is owner-occupied. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx years on the job as a xx.<br> BWR 2 has xx months on the job as an xx. Previously, BWR 2 had multiple jobs in the last xx years in the xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 37.64%. Tape shows the lender is unable to verify previous employment as required by the AUS. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. BWR has 10.83 years on the job as a xx, FICO 673, 0X30 in the last 24 months, and $87K equity in the subject. Review shows ATR confirmed."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$489.52."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2023 reflects Points - Loan Discount Fee at $3,229.00. The CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $6,277.16. This is an increase in fee of $3,048.16 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase, originated on xx/xx/2023, and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 59440315 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $18071.33 | 07/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5627.96 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 701 | Not Applicable | 15.658% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx.<br> The annual installment of county taxes for 2025 has been paid in the amount of xx on xx/xx/2024.<br> The 1st and 2nd installments of county taxes for 2026 are due in the total amount of xx on xx/xx/2025 and xx/xx/2025.<br> The water charges for 2025 have been delinquent in the total amount of $526.73, which is good through xx/xx/2025. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $7,630.29 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,627.96 with an interest rate of 7.250%. The current UPB is xx.<br> As per collection comment dated xx/xx/2025, xx/xx/2025 and xx/xx/2025, the payments received in the month of Apr, May and July 2025 are borrower made payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the subject property is owner occupied.<br> BWR has been SE for 2.50 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Transmittal (1008) | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 15.66% DTI. The Lender used 12 months business bank statements to qualify with inconsistent deposits to support the qualifying income. In addition, the paystubs provided to support the W-2 have inconsistencies. Lender defect. Revised DTI cannot be determined. The BWR is SE at xx for xx years. The subject loan originated xx/xx/2025 and the 3-year SOL is active, FICO 701, $85K in reserves, 0X30 since inception and $285K equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The transmittal summary is missing from the loan documents. The transmittal provided by the seller is not matching the closing term of the subject loan." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 67763322 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1244.74 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2919.32 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 660 | 762 | 42.868% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024-2025 has been paid in the amount of $1,207.40 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,083.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,919.32 with an interest rate of 6.750%. The current UPB, reflected as per the payment history, is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB, reflected as per the payment history, is xx.<br> As per tape data, the property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR 1 has 1.08 years on the job as a xx. Previously,<br> BWR 1 had 2 years on the job as a xx.<br> BWR 2 has 1.08 years on the job as a xx. Previously,<br> BWR 2 had 2 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved at 42.87%. Tape shows lender approved loan with underwriter error. Lender defect. Subject originated xx/xx/25 and the 3-year SOL is active. BWR1 has 2 years on the job as xx. FICO 660. $190K equity in subject. 0X30 since inception. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 51038293 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First | xx | $0.00 | $777.61 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1957.60 | 5.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 721 | 802 | 52.564% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx.<br> There is a credit card judgment against the borrower in favor of xx, which was recorded on xx/xx/2021 in the amount of xx.<br> The annual installment of county taxes for 2024 has been paid in the amount of $746.51 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,506.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,957.60 with an interest rate of 5.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 3.91 years on the job as a xx.<br> BWR2 has 1 month on the job as a xx. BWR2 had multiple jobs in the last 2 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.83% DTI. The Lender included rental income without a history of receipt and excluded debts. Revised DTI 53.90%. The BWR is employed with xx for xx years, BWR 2 is employed with xx for xx months. The subject loan originated xx/xx/2024 and the 3-year SOL is active, FICO 721, $3,722 residual income, $13.6K in reserves, 0X30 since inception and $18.4K equity in the subject." | \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from the loan documents." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD dated xx/xx/2024 reflects cash to in the amount of xx." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 50770436 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $4517.44 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1146.21 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 781 | Not Applicable | 31.373% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $4,336.74 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,643.60 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,146.21 with an interest rate of 3.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the occupancy of the subject property is stated as second home.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 2 months on the job as a xx. Previously, BWR had 8.33 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial LE<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Occupancy concerns - (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as a second home. Tape shows subject is NOO as they listed property for rent. Further details not provided. Subject originated xx/xx/22. 0X30 last 24 months." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete as the initial LE is missing from loan documents. The subject loan is a purchase case originated on xx/xx/2022, and the 1-year SOL has expired."<br> \* Missing Initial LE (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial loan estimate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 59526778 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $9617.44 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3242.50 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 693 | Not Applicable | 36.872% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx.<br> There are two water/sewer liens against the subject property in favor of the City of xx, which were recorded on xx/xx/2024. The amount of lien is not available on supporting document.<br> There is a UCC lien against the subject property in favor of xx, which was recorded on xx/xx/2025. <br> The first and second installments of county taxes for 2024-2025 have been paid in the total amount of $9,617.44 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,829.84 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,242.50 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the property is owner-occupied.<br> BWR has 11 months on the job as an xx. Previously, BWR had 1.41 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 36.87%. Tape shows income misrepresentation, as the income reflected in the W2 does not match with the tax returns. Further details are not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 11 months on the job as an xx. FICO 693. 0X30 since inception. $35K equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 75718748 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1852.71 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1635.18 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 802 | Not Applicable | 37.107% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $1,778.60 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,885.90 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,635.18 with an interest rate of 5.500%. The current UPB is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 9.41 years on the job as a director of database engineering with XX xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 37.10%. The tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 9.41 years on the job as a xx, FICO 802 and $36K equity in the subject."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$1,927.33. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. The subject loan is a purchase, originated on xx/xx/2024, and the SOL is 1 year." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 29326299 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nebraska | xx | xx | xx | Nebraska | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $460.95 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1264.14 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 69.207% | 69.207% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 775 | 767 | 23.850% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with Instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual 1st and 2nd installments of county taxes for 2024 have been in the total amount of $460.95 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,357.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,264.14 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. The PH dated xx/xx/2025 shows additional principal curtailment in the amount of 8K. As per the comment dated xx/xx/2025, the borrower made this payment. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the property occupancy is stated as an investor.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 5 years on the job as a xx.<br> BWR2 has 1.91 years on the job as a xx.<br> Previously, BWR2 had 1.58 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is NOO and was approved at 23.85%. Tape shows undisclosed mortgage debt opened prior to closing. The revised DTI is 66%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has 5 years on the job as a xx, FICO 767, $99K equity in the subject, 0X30 since inception and $6,125 residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 14972893 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2004.31 | 08/20/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1374.28 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 717 | Not Applicable | 43.533% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with book/page xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2025 is due in the amount of $2,004.31 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,543.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,374.28 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been an SE for 3.75 years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 43.53% DTI. The Lender miscalculated SE income. Revised DTI in excess of 100%. The BWR is SE with xx for 3.9 years, xx for 6.5 years and xx for 3 years. The subject loan originated xx/xx/2024 and the 3-year SOL is active, FICO 717, $63K in reserves and $24K equity in the subject." | \* Missing Initial 1003_Application (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial 1003 signed by the loan originator is missing from the loan files." |  |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 61983988 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | No | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $915.52 | 5.500% | 360 |  | xx | xx |  | Commercial | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 743 | 812 | 49.024% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with book/page xx for the amount of xx.<br> No active judgments or liens have been found.<br> The annual installments of combined taxes for 2024 have been exempt.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $984.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $915.52 with an interest rate of 5.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found related to damage or repairs.<br> As per tape, the subject property is stated as an investment.<br> BWR has 12.83 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Required Disclosures | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is NOO and approved at 48.94%. The tape shows the subject loan was underwritten according to agency guidelines and is not eligible for sale for agencies. Further details not provided."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Note was signed as members of the LLC only and not in their individual capacity. There is no personal obligor on the note, no guarantee and no LLC loan approval." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved at 48.94% using individual BWR DTI. Note was signed as members of the xx only and not in their individual capacity. There is no personal obligor on the note and no guarantee. Lender defect. Subject originated xx/xx/25 and the 3 year SOL is active. 0X30 since inception." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 83444069 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Hawaii | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1178.82 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1748.07 | 4.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 53.968% | 53.968% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 727 | Not Applicable | 49.681% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2025 has been paid in the amount of $589.41 on xx/xx/2025.<br> The second installment of county taxes for 2025 is due in the total amount of $589.41 on xx/xx/2026.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,326.11 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,748.07 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 1 year on the job as a xx. Previously, BWR had 9 months on the job as an xx between xx/xx/2019 and xx/xx/2020.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails qualified mortgage lending policy points and fees test due to fees charged xx exceed fees threshold of $9,669.50 over by +$6,201.90. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $245.00<br> Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00<br> Mortgage Broker Fee paid by Borrower: $2,250.80<br> Points - Loan Discount Fee paid by Borrower: xx<br> Tax Service Fee paid by Borrower: $85.00<br> Underwriting Fee paid by Borrower: $550.00."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceed fees threshold of $9,669.50 over by +$6,201.90. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $245.00<br> Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00<br> Mortgage Broker Fee paid by Borrower: $2,250.80<br> Points - Loan Discount Fee paid by Borrower: xx<br> Tax Service Fee paid by Borrower: $85.00<br> Underwriting Fee paid by Borrower: $550.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.68%. The tape shows there was altered income used for qualification. Borrower defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. BWR has 1 year on the job as a xx, FICO 727, 0X30 since inception, and $303K equity in the subject."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test.<br> Initial LE dated xx/xx/2023 reflects points - loan discount fee at $9,882.00. Final CD dated xx/xx/2023 reflects points - loan discount fee at xx.<br> Initial LE dated xx/xx/2023 does not reflect document preparation fee. Final CD dated xx/xx/2023 reflects document preparation fee at $245.00. <br> Initial LE dated xx/xx/2023 reflects appraisal fee at $650.00. Final CD dated xx/xx/2023 reflects appraisal fee at $916.23. <br> Initial LE dated xx/xx/2023 reflects notary fee at $150.00. Final CD dated xx/xx/2023 reflects notary fee at $250.00.<br> Initial LE dated xx/xx/2023 reflects title - financing statement lien guarantee at $53.00. Final CD dated xx/xx/2023 reflects title - financing statement lien guarantee at $104.17.<br> Initial LE dated xx/xx/2023 does not reflect title courier fee. Final CD dated xx/xx/2023 reflects title courier fee at $52.08.<br> Initial LE dated xx/xx/2023 reflects title escrow fee at $800.00. Final CD dated xx/xx/2023 reflects title escrow fee at $1,113.53. This is a cumulative increase in fee of $3,875.61 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2023 and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 12662781 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2696.44 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $876.51 | 5.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | 47.955% | 47.955% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 583 | 613 | 44.160% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the amount of $2,696.44 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,346.32 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $876.51 with an interest rate of 5.250%. The current UPB is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is owner occupied.<br> BWR1 receives pension and social security income. <br> BWR2 has 6.25 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $5,151.93 exceeds fees threshold of $4,512.41 over by +$639.52. The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $97.00 Points - Loan Discount Fee paid by Borrower: $4,507.93 Processing Fee paid by Borrower: $382.00 Underwriting Fee paid by Borrower: $165.00.<br>Loan failed qualified mortgage Lending Policy points and fees test due to fees charged $5,151.93 exceeds fees threshold of $4,512.41 over by +$639.52. The below fees were included in the test: Document Preparation Fee paid by Borrower: $97.00 Points - Loan Discount Fee paid by Borrower: $4,507.93 Processing Fee paid by Borrower: $382.00 Underwriting Fee paid by Borrower: $165.00."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA MI certificate is missing from the loan documents."<br> \* Rebuttable Presumption - defined by loan findings (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails the FHA QM Rebuttable Presumption test due to fees charged $5,151.93 exceeds fees threshold of $4,512.41 over by +$639.52. The below fees were included in the test: Document Preparation Fee paid by Borrower: $97.00<br> Points - Loan Discount Fee paid by Borrower: $4,507.93 Processing Fee paid by Borrower: $382.00 Underwriting Fee paid by Borrower: $165.00." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 44.16%. Tape shows FHA does not allow use of non-occupying BWR2 income for qualification. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL will expire on xx/xx/2025. BWR1 receives pension and social security income. BWR2 has 6.25 years on the job as a xx, FICO 583, 0X30 last 24 months, and $183K equity in the subject."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the FHA QM safe harbor threshold test due to the APR calculated at 6.329% and the comparison data of the APR threshold at 7.114%, which is under variance by -0.785%. The subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 53216970 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | No | Not Applicable | First |  | $0.00 | $2407.12 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3017.58 | 4.875% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 669 | Not Applicable | 34.199% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The 1st installment of combined taxes for 2024 was paid in the amount of $1,203.56 on xx/xx/2025.<br> The 2nd installment of combined taxes for 2024 was paid in the amount of $1,203.56 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,683.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,017.58 with an interest rate of 4.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found related to damage or repairs.<br> As per tape, the subject property has been occupied by the owner.<br> BWR has been SE for 3.16 years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. The tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 34.19%. The revised DTI is 47.04%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has been SE for 3.16 years at xx. FICO 669, 0X30 since inception, and $58K equity in the subject." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 46731737 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | No | Not Applicable | First |  | $0.00 | $8150.26 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1662.83 | 2.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 47.314% | 47.314% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 724 | 727 | 48.664% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 with instrument xx in the amount of xx.<br> There is one active junior mortgage against the subject property originated on xx/xx/2018 and recorded on xx/xx/2018 with instrument xx in the amount of xx.<br> There are 2 prior hospital liens against the borrower in favor of xx, and xx, which were recorded on xx/xx/2018 and xx/xx/2018 in the total amount of $5,165.38. <br> The 1st and 2nd installments of county taxes for 2024 have been paid in the total amount of $8,150.26 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,884.33 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,662.83 with an interest rate of 2.625%. The current UPB reflected as per the payment history is xx, and the deferred balance is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the deferment agreement dated xx/xx/2022, which is located at xx, the servicer deferred the 16 months of payments in the amount of xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape, the borrower did not meet the covid-19 forbearance guidelines back in 2020. Further details not provided.<br> BWR1 receives pension and retirement income.<br> BWR2 has 32.91 years on the job as an xx. Additionally, BWR2 receives social security and disability income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the borrower did not meet temporary Covid-19 forbearance guidelines in 2020. The loan was modified with a deferred balance of xx, and the last 12 payments have been made on time with a due date of xx/xx/2025 as of xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx, and the deferred balance is xx." | \* Qualified Mortgage DTI exceeds 43% (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.66% as the borrower's income is $5,333.00 and total expenses are in the amount of $2,595.23 and the loan was underwritten by DU (xx) and its recommendation is Approve/Eligible with a DTI of 48.66%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 6456873 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $893.92 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Unavailable | No | xx | Not Applicable | $1523.90 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 750 | 739 | 35.428% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $893.92 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,754.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,523.90 with an interest rate of 6.250%. The current UPB is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> According to the PACER, the borrowers, xx on xx/xx/2024. The BK was discharged on xx/xx/2025.<br> Unable to determine the reason for default.<br> As per the seller's tape data, the subject property is owner occupied.<br> BWR1 has 2.83 years on the job as a window installer with xx. <br> BWR2 has 9.16 years on the job as a supervisor with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrowers, xx on xx/xx/2024. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $0.00. The BK was discharged on xx/xx/2025. | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 35.41%. Tape shows a gap of employment for BWR2 between the final VOE date and the funding date. The VOE dated xx/xx/2024 in the file shows BWR2 is active at her current employment. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 2.83 years on the job as a xx. BWR2 has 9.16 years on the job as a xx, FICO 739, 2X30 since inception, and $31K equity in the subject." |  | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 92078312 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First | XXXX | $0.00 | $479.58 | 08/08/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3321.15 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 3 Family | xx | xx | Primary | Yes | Yes | No | 767 | Not Applicable | 65.589% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx.<br> There are three junior medical liens against the borrower in favor of xx, which were recorded on different dates, in the total amount of xx.<br> There are seven prior medical or hospital against the borrower in favor of xx, which were recorded on different dates, for the total amount of xx.<br> There are five IRS liens against the xx in favor of the XXXX, which were recorded on different dates, in the total amount of xx. The SSN# is inconsistent with BWR's SSN#.<br> There are 8 judgments against the borrower in favor of xx, which were recorded on different dates, in the total amount of xx.<br> The first and second installments of county taxes for 2024 have been paid in the amount of $479.58 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,845.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,321.15 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. <br> As per the tape, the subject property is owner-occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found. <br>BWR has 3 years on the job as a packaging technician with xx <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 49.69% DTI. The Lender excluded debts that were not paid off prior to or at closing. Revised DTI 51.25%. The BWR is employed with xx for 3 years. The subject loan originated xx/xx/25 and the 3-year SOL is active, FICO 767, $4,727 residual income, $2K reserves and $26.9K equity in the subject." | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows borrower lacked reserve requirement for program. BWR has $2K reserves. Further details are not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 35845861 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1157.27 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1266.42 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 59.459% | 59.459% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 652 | Not Applicable | 19.052% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx. <br> No active judgments or liens have been found. <br> The annual installments of combined taxes for 2024 have been paid in the amount of $704.79 on xx/xx/2025. <br> The annual installments of utilities charges for 2024 have been delinquent in the amount of $646.14, which are good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,584.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,266.42 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7 months on the job as a xx. Previously, BWR had 2.41 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 19.05%. Tape shows the BWR income source changed from 1099 to salaried, and the new income used to qualify is not supported by bank statements. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 7 months on the job as a xx, FICO 652, 0X30 since inception, and $157K equity in the subject. Review shows ATR confirmed." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 63233668 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1342.80 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1972.03 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 765 | Not Applicable | 49.401% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $1,289.09 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,318.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,972.03 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> Unable to determine the current occupancy. <br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 9 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. Tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 49.40%. Tape shows the subject is NOO due to misrepresentation, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 9 years on the job as a xx, FICO 765, 0X30 since inception and $19K equity in the subject." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 64847898 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5211.40 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2457.78 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 86.989% | 86.989% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 764 | Not Applicable | 49.845% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2025 was paid in the amount of $2,605.70 on xx/xx/2025.<br> The 2nd installment of county taxes for 2025 is due in the amount of $2,605.70 on xx/xx/2025.<br> The annual utility/MUD charges for 2025 were paid in the amount of $73.50 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,090.90 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,457.78 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has 18.3 years on the job as an xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.84%. The tape shows undisclosed debts. Revised DTI is 60.66%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 18.3 years on the job as an xx, FICO 764, 0X30 since inception, $64K equity in the subject, and $3,118 residual income."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an undisclosed amount of -$200.00. <br> The TRID total of payment disclosed on the final CD is xx. The calculated total of payments is xx for an underdisclosed amount of -$200.00. The disclosed total of payments of xx is not considered accurate due to it is understated by more than $100.<br>The subject loan was originated on xx/xx/2024, and the 1-year SOL is expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 85943044 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12138.22 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5621.07 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 781 | Not Applicable | 41.136% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,012.92 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,621.07 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has been SE for 7.33 years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved as OO. The tape shows the subject is NOO, due to misrepresentation. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as OO at 41.13%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 7.33 years at xx., FICO 765, and $167K equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 88003360 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Kansas | xx | xx | xx | Kansas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2682.22 | 08/07/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1244.06 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 776 | 821 | 35.654% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx.<br> There is a prior state tax lien against the borrower in favor of the xx, which was recorded on xx/xx/2019 in the amount of $1,276.54.<br> The annual combined taxes for 2024 have been paid in the amount of $2,682.22 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment date is xx/xx/2025. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $1,244.06 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment date is xx/xx/2025. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $1,244.06 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> No damage or repair details have been found. <br> BWR1 receives social security income.<br> BWR2 receives pension and social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved at 36.65%. Tape and review of file shows Lender included BWR2 income in DTI but BWR2 did not sign the note. Revised DTI is 62.96%. Lender defect. Subject originated xx/xx/25 and the 3 year SOL is active. BWR is on SSI. FICO 776. $63K equity in subject." | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the Kansas license validation test."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file show that BWR 2 did not execute the promissory note at closing and has expressed an unwillingness to engage with the lender. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Not Covered | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 69513647 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Delaware | xx | xx | xx | Delaware | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4924.28 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3179.54 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 789 | Not Applicable | 47.234% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2025 is due in the amount of $4,924.28 on xx/xx/2025.<br> The annual installment of utilities/MUD charges for 2025 has been paid in the amount of $102.15 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $3,179.54 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE as a xx for 8.5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 47.23% DTI. Tape shows Borrower income and ability to repay the loan was not established. Lender defect. Revised DTI in excess of 100%. The BWR is xx for 8 years. The subject loan originated xx/xx/2025 and the 3-year SOL is active, FICO 789, and $121K equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 68783124 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Unavailable | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $467.00 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $735.12 | 8.250% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 103.000% | 103.000% | Unavailable | Yes | xx | xx | 36.790% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 10/01/2015 | $76589.38 | Not Applicable | 3.875% | $520.37 | 10/01/2015 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/1997 and recorded on xx/xx/1997 with book/page xx in the amount of xx.<br> There is a UCC lien against the subject property in favor of xx, which was recorded on xx/xx/2024.<br> There is a state tax lien against the borrower in favor of the xx, which was recorded on xx/xx/2018 in the amount of $2,764.80.<br> The first and second installments of combined taxes for 2024 were paid in the total amount of $455.00 on xx/xx/2024 and xx/xx/2024.<br> The first and second installments of combined taxes for 2025 are due in the total amount of $467.00 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $838.37 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $520.37 with an interest rate of 3.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> As per the tape data, the subject property is owner-occupied.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> According to the PACER, the borrowers, xx, and xx, filed bankruptcy under Chapter 7 with the case xx on xx/xx/2011. The BK was discharged on xx/xx/2011 and terminated on xx/xx/2011.<br> The loan was modified on xx/xx/2015.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrowers, xx, and xx, filed bankruptcy under Chapter 7 with the case xx on xx/xx/2011. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral and unsecured portion is not provided. The BK was discharged on xx/xx/2011 and terminated on xx/xx/2011. | The step modification agreement was signed between the borrowers, XXX, and XXX, and the lender, XXX, with an effective date of xx/xx/2015, and the new modified unpaid principal balance is $76,589.38. The modified monthly P&I of $474.88 with an interest rate of 2.000% starting on xx/xx/2015, which will be changed in 3 steps until the new maturity date of xx/xx/2031. The rate will change in 3 steps, which end with 3.875%. There is no deferred balance and principal forgiven amount.  | Credit Report<br> Final Truth in Lending Discl.<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows PC is tied to a prior servicer and a prior servicer's modification, which is not currently recognized or honored by the new servicer or investor. The loan was modified on xx/xx/2015. Further details not provided." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA APR test due to the APR calculated at 0.000% exceeding the APR threshold of 8.252% by -8.252%."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final truth in lending is missing from the loan document."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report is missing from the loan documents. Zillow search shows an estimated amount of $XXXX; the current UPB is $32K."<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 54766720 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2699.81 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $399.35 | 10.500% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 67.558% | 67.558% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 725 | Not Applicable | 42.637% | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx.<br> There is an active prior mortgage against the subject property, which was originated on xx/xx/2021 and recorded on xx/xx/2021 in the amount of xx.<br> The 2023 county annual taxes were paid in the amount of $2,704.08 on xx/xx/2023.<br> The 2024 county annual taxes were paid in the amount of $2,783.01 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $399.35, which was applied for the due date of xx/xx/2025. The current P&I is $399.35 with an interest rate of 10.50%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 0.58 years on the job as an xx. Previously, BWR had 1.25 years on the job as an xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Homeownership Counselling Disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows obtained updated hazard policy. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The settlement services provider list is missing from the loan documents." | \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated of 10.985% exceeds the APR threshold of 10.600% over by +0.385%. The subject loan is non-escrowed. The subject is a second lien. Exception downgraded as SOL has expired.<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated of 10.944% exceeds APR threshold of 10.600% over by +0.344%. The subject is a second lien." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 45773391 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2513.65 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $379.41 | 9.750% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 57.746% | 57.746% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 744 | Not Applicable | 39.038% | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The subject mortgage was recorded on xx/xx/2024. The prior mortgage was originated on xx/xx/2020 and recorded on xx/xx/2020 in the amount of xx with MERS as xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2025 has been paid in the amount of $2,489.43 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $379.41 (PI), which was applied for the due date of xx/xx/2025. The current P&I is $379.41 and the interest rate is 9.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2025, the reason for default is excessive obligation. <br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 24.33 years on the job as a xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value at $XX. Current UPB: $39K"<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed NC Rate Spread Home Loan Test"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase more than 10% in the tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and the recording fee at $416.90. The CD dated xx/xx/2024 reflects the sum of Section C and the recording fee at $639.00. This is a cumulative increase of +$222.10 for charges that in total cannot increase more than 10% of the test. COC for the increase in fee is missing from the loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails Lender Fees Test due to fees charged: $800.00 Exceeds the fees threshold of $400.00 by over +$400.00. The below fee was included in the test: Loan Origination Fee paid by borrower: $800.00"<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows defect as early payment default. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. Further details were not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 10.257%, exceeding the APR threshold of 9.950% by +0.307%. The subject loan is a second lien. The first lien is escrowed. The loan failed the Qualified Mortgage Safe Harbor threshold test due to the APR calculated at 10.162%, exceeding the APR threshold of 9.950% by +0.212%." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 58092476 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Hampshire | xx | xx | xx | New Hampshire | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2131.00 | 08/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $383.43 | 8.875% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 44.416% | 44.416% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 732 | Not Applicable | 33.322% | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx.<br> There is an active prior mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/2017 and recorded on xx/xx/2017 in the amount of xx with instrument xx. <br> No active judgments or liens have been found.<br> The 1st installment of town taxes for 2025 was paid in the amount of $2,131.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $383.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $383.43 with an interest rate of 8.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine reason for default. <br> No information has been found related to damage or repairs.<br> As per tape, the subject property is owner-occupied.<br> BWR has 17.25 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $XX. Current UPB is $42K."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "As per the seller's tape data, it shows defects as early payment default. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 92607958 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3921.68 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $509.50 | 11.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 79.659% | 79.659% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 727 | Not Applicable | 42.199% | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx.<br> There is a prior mortgage against the subject property, which was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrumentxx in the amount of xx.<br> The annual combined taxes for 2024 were paid in the amount of $3,430.63 on xx/xx/2024.<br> The annual combined taxes for 2025 are due in the amount of $3,921.68 on xx/xx/2026.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $509.50, which was applied for the due date of xx/xx/2025. The current P&I is $509.50 with an interest rate of 11.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> Unable to determine the reason for the default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.33 years on the job as a xx. Previously, BWR had 1.75 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the NC rate spread home loan test.<br>This loan failed Lender Fees Test due to fee charged $1,000.00 exceed fee threshold of $500.00 over by +$500.00.<br> The below fee was included in this test:<br> Loan Origination Fee paid by Borrower: $1,000.00."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows early payment default. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx." | \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 12.261% exceeding the APR threshold of 10.260% by +2.001%. The subject loan is a second lien. First lien is not escrowed. Subject loan originated on xx/xx/2024, and the 1-year affirmative defense period has expired.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 12.234% exceeds APR threshold of 10.260% over by +1.974%." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 61665450 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $1630.84 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $543.67 | 10.625% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 80.484% | 80.484% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 709 | 712 | 35.068% | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx.<br> There is an active prior mortgage against the subject property originated on xx/xx/2020 in favor of MERS as nominee for xx in the amount of xx, which was recorded on xx/xx/2020 with the instrument xx.<br> The annual installment of county taxes for 2025 is due in the total amount of $1,630.84 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $543.67 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $543.67 with an interest rate of 10.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR1 has 9 years on the job as a xx. <br> BWR2 has 9.91 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Origination Appraisal | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA Foreclosure Rescission Finance Charge Test due to the calculated finance charge of xx exceeds the disclosed finance charge of xx by an undisclosed amount of -$54.54.<br> The loan failed the TILA Post-Consummation Revised Closing Disclosure Foreclosure due to the calculated finance charge of xx exceeds the disclosed finance charge of xx by an undisclosed amount of -$89.54."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and the file show the subject mortgage does not meet investor guideline requirements, as the first had defaulted in the last 24 months. Further details not provided."<br> \* Missing Appraisal (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value of $XX. Current UPB is $54K." | \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)); an APR calculated at 11.141% exceeds the APR threshold of 10.230% by +0.911%. The subject is second lien and the first loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to the APR calculated at 11.129% exceeds the APR threshold of 10.230% by +0.899%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 43212686 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kansas | xx | xx | xx | Kansas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3175.80 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $427.01 | 4.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 85.845% | 85.845% | Full Documentation | Yes | xx | xx | 20.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 726 | Not Applicable | 66.530% | First | Short Form Policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2012 and recorded on xx/xx/2012 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the total amount of $3,175.8 on xx/xx/2024 and xx/xx/2025, respectively.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $972.76 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $419.42 with an interest rate of 4.10%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* Compliance Testing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows APR adjustment. Further details not provided. The Infinity CE report shows the TILA APR test passed."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the late fees test due to fees charged of $25.22 exceeds fees threshold of $25.00 over by +$0.22."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final TIL is xx. Calculated finance charge is xx for an under disclosed amount of -$873.08.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL is xx. Calculated finance charge is xx for an under disclosed amount of -$838.08."<br> \* Initial Truth in Lending Disclosure is Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial truth in lending is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 87151898 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $939.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $595.31 | 9.250% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 72.798% | 72.798% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 747 | Not Applicable | 35.608% | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | <br> According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx.<br> There is one prior mortgage against the subject property originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx with MERS as xx.<br> The 1st installment of the county taxes for 2025 has been paid in the amount of $314.02 on xx/xx/2025. <br> The 2nd, 3rd, and 4th installments of county taxes for 2025 are due in the amount of $939.00 on xx/xx/2025, xx/xx/2026, and xx/xx/2026, respectively.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $595.31 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $595.31 with an interest rate of 9.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2025, the reason for default is unemployment.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 8.33 years on the job as xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; ""The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents."Zillow search shows an estimated value at $XX. Current UPB: $63K"<br> \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))<br> The finance charge is xx. The disclosed finance charge of xx is not considered accurate for purposes of rescission<br> because it is understated by more than $35."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows early payment default. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.880% exceeds the APR threshold of 9.951% by +0.071%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated at 9.880%, exceeding the APR threshold of 9.915% by +0.035%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 37641924 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $807.10 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $471.98 | 4.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 683 | Not Applicable | 25.096% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2014 and recorded on xx/xx/2014 with instrument xx in the amount of xx.<br> No active judgments or liens have been found.<br> The 1st installment of combined taxes for 2025 has been paid in the amount of $454.91 on xx/xx/2025.<br> The 2nd installment of combined taxes for 2025 is due in the amount of $403.55 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $690.20 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $471.98 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan has not been modified since origination.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br>No post-close bankruptcy record has been found.<br> BWR has 14.58 years on the job as a xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape defect shows PIF reversal not completed within investor's reporting timelines. As per PH, the current UPB is xx. Further details not provided." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed TILA finance charge test. Finance charge disclosed on final TIL is xx. Calculated finance charge is xx for an under disclosed amount of -$1,252.50."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 72388679 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2614.60 | 08/12/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $649.81 | 4.490% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 29.310% | 29.310% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 809 | Not Applicable | 23.112% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with book/page xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $2,614.60 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1187.82 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $649.81 with an interest rate of 4.490%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 19.16 years on the job as axx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report in the loan file is subject to completion of repairs. The addendum shows the deferred maintenance includes replacing damaged siding, window casing, and the rear deck. The cost to cure is in the amount of $2,000.00. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 14213201 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $427.81 | 08/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $570.51 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 35.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 751 | 662 | 41.518% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 at Book xx, Page xx in the amount of xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for 2025 have been paid in the amount of $427.81 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $988.53 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $570.51 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.16 years on the job as a xx.<br> BWR2 has 4.41 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is xx. The calculated finance charge is xx for an under disclosed amount of -$281.01. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing.<br> The subject loan is a purchase that originated on xx/xx/2025, and the SOL is 1 year.<br>The TRID total of payment disclosed on the final CD is xx. The calculated total of payments is xx for an under disclosed amount of -$281.01. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape defect shows PIF reversal not completed within the investor's reporting timelines. Available PH from xx/xx/2025 to xx/xx/2025 does not show any PIF transaction. Per PH, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 32370440 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2843.10 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $760.04 | 7.000% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | 96.814% | 96.814% | Full Documentation | Yes | xx | xx | 31.510% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 515 | Not Applicable | 21.990% | First | Short Form Policy | Not Applicable | Not Applicable | 12/01/2021 | $103372.98 | Not Applicable | 3.500% | $464.19 | 12/01/2021 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2003 and recorded on xx/xx/2003 with instrument xx in the amount of xx with xx.<br> There are xx state tax liens against the borrower in favor of xx, which were recorded on different dates, in the total amount of $xx.<br> The 1st and 2nd installments of combined taxes for xx have been paid in the amount of $xx on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate ofxx. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan was modified on xx.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower and the lender on xx. As per the modified term, the new principal balance is xx. The monthly P&I is xx with an interest rate of xx beginning on xx and a maturity date of xx. There is no deferred balance and principal forgiven amount. The loan has been modified xx since origination. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the LNIB is missing. Further details were not provided." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final HUD-1, dated xx/xx/2003, reflects cash to the borrower in the amount xx."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 48920455 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1591.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1071.31 | 2.125% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 62.030% | 62.030% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 782 | 753 | 42.239% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xx0 with MERS as nominee for xx.<br> There is a junior active UCC lien against the borrower in favor of xx, which was recorded on xx/xx/2023.<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the total amount of $xx on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $xx with an interest rate of xx%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has xx months on the job as an alignment technician with xx. Previously, xx. <br> xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the appraisal report show the property had multiple cosmetic issues that need to be completed. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test.<br> Initial LE dated xx/xx/2021 reflects Points - Loan Discount Fee at $626.00. Final CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $3,554.80.<br> Initial LE dated xx/xx/2021 does not reflect Appraisal Fee. Final CD dated xx/xx/2021 reflects Appraisal Fee at $625.00.<br> This is a cumulative increase in fee of $3,553.80 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx/xx/2021, and the 3-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 89928376 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2235.31 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $617.56 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 50.319% | 50.319% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 708 | Not Applicable | 33.571% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrumentxx in the amount of xx with xx. <br> xx<br> The annual installment of county taxes for 2025 has been paid in the amount of xx on xx/xx/2024. <br> No prior year's delinquent taxes have been found.  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,789.80 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $617.56 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $xx | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx. <br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 14.75 years on the job as a graphics supervisor with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and file show the subject loan was closed incorrectly without an appraisal.xx | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 93479326 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $755.35 | xx | Unavailable | No | Loss Mitigation | Chapter 13 | xx | Unavailable | Not Applicable | xx | Not Applicable | $1006.87 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 35.069% | First | Short Form Policy | Not Applicable | Not Applicable | 06/01/2025 | $195265.85 | $58579.76 | 3.250% | $509.73 | 06/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with instrument xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $771.90 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,088.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $509.73 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx, and the deferred balance is xx.<br> The loan was modified on xx/xx/2025.<br> As per the comment dated xx/xx/2025, the RFD is curtailment of income.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2025, the borrower was approved for a 3-month trial plan, which will begin from xx/xx/2025 to xx/xx/2025. The trial plan was completed on xx/xx/2025.<br> According to the PACER, the borrower,xx on xx/xx/2017. The BK was dismissed on xx/xx/2019 and terminated on xx/xx/2020.<br> The foreclosure was initiated in 2024 with the loan. As per servicing comments dated xx/xx/2024, the complaint was received on xx/xx/2024. As per the servicing comment dated xx/xx/2025, the foreclosure has been put on hold due to loss mitigation workout, and the projected hold end date is xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure case was dismissed on xx/xx/2025.<br> Foreclosure Comments:The foreclosure was initiated in 2024 with the loan. As per servicing comments dated xx/xx/2024, the complaint was received on xx/xx/2024. As per servicing comments dated xx/xx/2024, the step sale was scheduled for xx/xx/2024. As per the servicing comment dated xx/xx/2025, the foreclosure has been put on hold due to loss mitigation workout, and the projected hold end date is xx/xx/2025. As per the servicing comment dated xx/xx/2025, the foreclosure case was dismissed on xx/xx/2025.<br> Bankruptcy Comments:According to the PACER, the borrower, xx on xx/xx/2017. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx and the value of the collateral is xx. The unsecured portion is $5,085.48. The POC was filed by the creditor, xx, on xx/xx/2018, with the secured claim amount of $xx and the arrearage amount of $xx. The amended chapter 13 (Doc #xx) plan was filed on xx/xx/2018 and confirmed on xx/xx/2018. The borrower has promised to make monthly payments of $xx for xx months to the trustee under the Chapter 13 plan. There is no comment indicating a cramdown. The BK was dismissed on xx/xx/2019 and terminated on xx/xx/2020. | The modification agreement was made between the borrower, xx, on xx/xx/2025. As per the modified term, the new principal balance is $xxand the deferred balance is $xx. The interest bearing is $xx. The monthly P&I is $509.73 with an interest rate of 3.250% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is no principal forgiven amount. The loan has been modified 4 times since origination. | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The seller's tape data shows Delinquency/FCL - recently modified. Further details are not provided. The loan was modified on xx/xx/2025. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx and the deferred balance is $xx." | \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "MI certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 86902726 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5010.00 | 08/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $1126.05 | $1550.80 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 51.358% | 51.358% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 729 | Not Applicable | 23.956% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2007 and recorded on xx/xx/2007 with instrumentxx in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024/2025 have been paid in the amount of $4,964.12 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,545.17 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,545.17 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 1: Acceptable |  |  |  |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 56592617 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6720.21 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $839.32 | 2.750% | 360 |  | xx | xx |  | USDA | Fixed |  | Purchase | 101.010% | 101.010% | Full Documentation | No | Not Applicable | Unavailable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 773 | Not Applicable | 37.788% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated and recorded on xx/xx/2020 with instrument xxin the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes and utilities/MUD charges for 2024 has been paid in the total amount of $xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,813.49 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $839.32 with an interest rate of 2.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan is uninsurable by xx. Further details not provided." | \* MI, FHA or MIC missing and required (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The xx certificate is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 36932357 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4013.34 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $986.61 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 77.459% | 77.459% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 745 | Not Applicable | 48.255% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 with instrument xx in the amount of xxwith xx<br> There is an active UCC lien against the subject property in favor ofxx which was recorded on xx/xx/2022.<br> There are two prior state tax liens in favor of the xx Tax xx of the xx, which were recorded on xx/xx/2015 and xx/xx/2019 in the total amount of $7,869.01. The SSN mentioned on the supporting document is inconsistent with the subject borrower.<br> There is a prior credit card judgment against the borrower in favor of xx which was recorded on xx/xx/2019 in the amount of xx.<br> There is a child support lien against the borrower in favor of the county of xx, which was recorded on xx/xx/2025.<br> The first and second installments of county taxes for 2025/2026 are due in the total amount of $4,013.34 on xx/xx/2025 and xx/xx/2026.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,417.79 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $986.61 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> As per the tape, there is a deferred balance of xx.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br>xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the loan just entered into forbearance and is no longer eligible for sale. Further details not provided." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TRID total of payment disclosed on the final CD is $xx. The calculated total of payments is $xx for an under disclosed amount of -$3,567.70. The disclosed total of payments of $xx is not considered accurate because it is understated by more than $100. TRID rescission total of payment disclosed on the final CD is xx. The calculated total of payments is xx for an under disclosed amount of -$3,567.70. The disclosed total of payments of xx is not considered accurate because it is understated by more than $100. The subject loan is a refinance case that originated on xx/xx/2021, and the 3-year SOL has expired."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as xx. The calculated finance charge is xx for an under disclosed amount of -$3,977.20. The loan failed the TILA rescission finance charge test due to the finance charge disclosed on the final CD as xx. The calculated finance charge is xx for an under disclosed amount of -$3,942.20. The subject loan is a refinance case that originated on xx/xx/2021, and the 3-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 38194326 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Hawaii | xx | xx | xx | Hawaii | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2261.70 | xx | Unavailable | No | Loss Mitigation | Chapter 7 | xx | Unavailable | No | xx | Not Applicable | $940.87 | 1.490% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 70.000% | 70.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 22.074% | First | Final policy | Not Applicable | Not Applicable | 09/01/2025 | $562877.06 | Not Applicable | 3.250% | $1000.73 | 09/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2006 and recorded on xx/xx/2006 with instrument xxin the amount of xx with xx<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2025 has been paid in the amount of $1,130.85 on xx/xx/2025.<br> The 2nd installment of county taxes for 2025 is due in the amount of $1,130.85 on xx/xx/2026.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. We are unable to determine the last payment received. The current P&I is $1,000.73 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. The due dates were advanced from xx/xx/2009 to xx/xx/2025 due to modification. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan was modified on xx/xx/2025.<br> The foreclosure was initiated in 2009, and the "mortgagee's grant deed pursuant to power of sale" document located at "xx" was recorded on xx/xx/2011, and the sale was scheduled for xx/xx/2010. The subject property was foreclosed and sold to "xx" on xx/xx/2010. After that, the QCD was recorded on xx/xx/2018, located at "xx" showing that the property was transferred to "xx" Later,xx FC was recorded on xx/xx/2025, located at "xx," showing that the foreclosure case has been rescinded and declared null and void.<br> According to the PACER, the borrower, xx, filed bankruptcy under Chapter 13 with the case xx on xx/xx/2007. The BK was discharged on xx/xx/2009 and terminated on xx/xx/2009.<br> Foreclosure Comments:The foreclosure was initiated in 2009, and the "mortgagee's grant deed pursuant to power of sale" document located at "xx_pg#34" was recorded on xx/xx/2011, and the sale was scheduled for xx/xx/2010. The subject property was foreclosed and sold to "xx" on xx/xx/2010. After that, the QCD was recorded on xx/xx/2018, located at "xx," showing that the property was transferred to "xx" Later, a xxFC was recorded on xx/xx/2025, located at "xx," showing that the foreclosure case has been rescinded and declared null and void.<br> Bankruptcy Comments:According to the PACER, the borrower, xx, filed bankruptcy under Chapter 13 with the case xx on xx/xx/2007. The case was converted from Chapter 13 to Chapter 7 on xx/xx/2008. Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is $xx and the value of the collateral is xx. The unsecured portion is $xx. The POC was filed by the creditor,xx on xx/xx/2007, with the secured claim amount of $xx and the arrearage amount of $0.00. The Chapter 13 plan filed on xx/xx/2007 was confirmed on xx/xx/2007. The borrower has promised to make monthly payments of $320.00 for 36 months to the trustee under the Chapter 13 plan. There is no comment indicating a cramdown. The BK was discharged on xx/xx/2009 and terminated on xx/xx/2009. | The modification agreement was made between the borrower, xx, and the lender,xx on xx/xx/2025. As per the modified term, the new principal balance is $xx The monthly P&I is $1,000.73 with an interest rate of 3.250% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. There is no deferred balance, and the principal forgiven amount is $xx. | Credit Report<br> Final Truth in Lending Discl.<br> Missing or error on the Rate Lock<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the defect as delinquent repurchase - recently modified. The loan was modified on xx/xx/2025. Further details were not provided."<br> \* Not all borrowers signed HUD (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1 is not signed by the borrower." | \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA APR test as the final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing from the loan documents. Zillow search shows an estimated value of $XXXX. Current UPB is $268K."<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 33009478 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2837.07 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1913.97 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 75.359% | 75.359% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 730 | 708 | 43.219% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrumentxxin the amount of $xx with xx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of combined taxes for the 2024-2025 have been paid in the total amount of $3,107.93 on different dates.<br> The 1st installment of combined taxes for 2025 is due in the amount of $2,837.07 on xx/xx/2025.<br> The water/sewer charges for 2025 are due in the amount of $185.18 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,274.31 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,913.97 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Transmittal (1008) | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the Qualified Mortgage Lending Policy points and fees test due to Fees charged xx, exceed the fee threshold of $9,050.00 by $3,102.00. The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,495.00<br> Points - Loan Discount Fee paid by Borrower: xx"<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged (xx) exceed Fees threshold of $9,050.00 over by +$3,102.00. The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,495.00<br> Points - Loan Discount Fee paid by Borrower: xx"<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final transmittal summary is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 43.21%. Tape shows undisclosed debt with a monthly payment of $1,272. Revised DTI is 56.82%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been an SE for 4.41 years at Gary Kriesch Associates, FICO 730, $108K equity in the subject, and $4,040 residual income." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 60966442 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5824.97 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3102.20 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 695 | Not Applicable | 34.554% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 in xx in the amount of $xx with xx.<br> No active judgments or liens have been found.<br> The annual installments of combined taxes for 2024 have been paid in the amount of $5,450.62 on xx/xx/2024.<br> The annual installments of combined taxes for 2025 are due in the amount of $5,824.97 on xx/xx/2025.<br> The water/sewer charges for 2025 are delinquent in the amount of $395.51, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,735.09 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,102.20 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2024, a payment dispute has been notified. Further details not provided.<br> As per the comment dated xx/xx/2024, the reason for default is payment adjustment.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2024 does not reflect the processing fee. CD dated xx/xx/2024 reflects a processing fee of $795.00. The loan estimate dated xx/xx/2024 reflects an underwriting fee of $500.00. The CD dated xx/xx/2024 reflects an underwriting fee of $995.00. This is a cumulative increase in fee of $1,290.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2024, and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 34034068 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3582.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $214.79 | 9.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 70.182% | 70.182% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 775 | Not Applicable | 29.529% | Second | Unavailable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrument xx in the amount of xx with xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 in the amount of $xx with xx.<br> The first installment of county taxes for 2025 has been paid in the amount of $1,791.00 on xx/xx/2025.<br> The second installment of county taxes for 2025 is due in the amount of $1,791.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $210.85 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $210.85 with an interest rate of 9.535%. The current UPB reflected as per the payment history is xx. As per the comment dated xx/xx/2024, the stated rate and P&I were adjusted from 9.75% to 9.535% and $214.79 to $210.85. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape and Infinity compliance report shows the loan failed state regulations interest rate test. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the interest rate test due to the APR calculated at 9.535%, exceeding the APR threshold of 10.137% by +0.602%."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2023 does not reflect transfer taxes. CD dated xx/xx/2023 reflects transfer taxes at $60.00. This is an increase in fee of +$60.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/2023, and the SOL is 3 years.<br>TRID Violation due to decrease in lender credit on closing disclosure dated xx/xx/2023. The initial LE dated xx/xx/2023 reflects lender credit at $0.00; the final CD dated xx/xx/2023 reflects the lender at $0.50. This is an increase of +$0.50 for a fee that has a 0% tolerance test.<br>This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date."<br> \* Homeowner's Counseling disclosure is missing. (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Homeownership counseling disclosure is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The settlement service providers list is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.920% exceeds the APR threshold of 10.153% by +$0.233%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated at 9.920%, exceeding the APR threshold of 10.137% by +0.217%." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 44409011 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3054.14 | 08/13/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1245.21 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | 49.400% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx with xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $1,270.31 on xx/xx/2025.<br> The annual installment of school taxes for 2024 has been paid in the amount of $689.07 on xx/xx/2025.<br> The annual installment of utilities/MUD charges for 2024 has been paid in the amount of $1,094.76 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,738.88 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,245.21 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 49.40%. Tape shows miscalculation of rental income. Revised DTI is 66.66%. Lender defect. Further details are not provided. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. xx | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails qualified mortgage lending policy points and fees test due to fees charged $5,960.10 exceed fees threshold of $5,454.23 over by +$505.87. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,170.10<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $995.00."<br> \* xx<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,170.10<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $995.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 84082664 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $979.63 | 08/06/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1479.12 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 64.167% | 64.167% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 717 | Not Applicable | 44.858% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx with MERS as nominee fo rxx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $979.63 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,798.33 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,479.12 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject approved at 44.85%. Tape shows liability miscalculation. Further details not provided. Lender defect. The revised DTI is 56.03%. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active.xx | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The home equity loan notice of address for borrower notification of violation is missing from the loan file." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 80570835 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $14048.27 | 08/18/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2903.73 | 7.125% | 360 |  | xx | xx |  | Commercial | Fixed |  | Refinance | 44.205% | 44.205% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | Yes | 699 | Not Applicable | 46.371% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The annual installments of county taxes for 2024 have been paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,401.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,903.73 with an interest rate of 7.1250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2025, the reason for default is a servicing problem.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/2025, the subject property is xx.<br> As per the comment dated xx/xx/2025, the subject property had damages due to the xx. The date of loss is xx/xx/2024. As per the servicing comment dated xx/xx/2025, the loss draft check has been received in the amount of $xx on xx/xx/2025. As per the servicing comment dated xx/xx/2025, 73% of repairs are completed, and multiple repairs are still pending.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows 1004D for natural disaster is missing. The appraisal report in the file shows as-is, with no repairs or disaster found." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $92320.99 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 70995562 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5080.86 | 08/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1748.40 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 51.298% | 51.298% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 736 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2025 was paid in the amount of $2,540.43 on xx/xx/2025.<br> The 2nd installment of county taxes for 2025 is due in the amount of $2,540.43 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,748.40, which was applied for the due date of xx/xx/2025. The current P&I is $1,748.40 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR is an LLC, and the subject loan was approved as DSCR.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan used daily simple interest to calculate the interest, which is a breach of our MLPA. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 49787843 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $6059.65 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6170.07 | 9.250% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | 75.000% | 75.000% | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | xx | xx | Investor | Yes | Yes | No | 672 | Not Applicable | 30.835% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of $xx with MERS as nominee for xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx with xx company.<br> There are two prior state tax liens against the borrower in favor of the xx, which were recorded on xx/xx/2024 in the total amount of $3,637.61.<br> The 1st installment of county taxes for 2024-2025 has been paid in the amount of $6,196.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,453.50 (PITI), which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,170.07 with an interest rate of 9.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the occupancy of the subject property.<br> The loan has not been modified.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the original investor will not accept loans with more than one interim servicing payment accepted. Further details not provided. Subject loan approved using the individual BWR DTI. Note was signed as members of the xx only and not in the individual names. Loans does have a personal guarantee." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject is NOO and approved at 30.83%. The tape reflects an increased DTI of 33.29%. Further details not provided. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. xx" |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 85625450 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2560.10 | 08/11/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2708.11 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 92.722% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 679 | Not Applicable | 45.788% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrumentxxin the amount of xx with xx.<br> There is an active junior mortgage against the subject property in favor of the xx in the amount of xx, which was originated on xx/xx/2025 and recorded on xx/xx/2025 with the instrument xx.<br> The annual installment of county taxes for 2024-2025 has been paid in the amount of $2,560.10 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,425.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,708.11 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $xx.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject was closed with the xx, and assets are short by $52 for closing. Bank statements in the file show $14K, satisfying the cash-to-close requirement of $10K at closing. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 5843941 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $297.77 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $588.85 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 75.000% | 75.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 759 | 756 | 37.490% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrumentxx in the amount of $xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2025 is due in the amount of $297.77 on xx/xx/2026.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $998.35 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $588.85 with an interest rate of 8.000%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property occupancy is stated as an investor.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Note | xx | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Signed page of the original note is missing from the loan documents." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject is NOO and approved at 37.49%. Tape shows BWR was not employed at the time of closing. Revised DTI is 42.98%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active.xx." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 202247 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4488.26 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1211.34 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 748 | 811 | 29.229% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2022 with instrument xx in the amount of $xxwith MERS as nominee for xx. There is no active junior mortgage that has been found. The 1st and 2nd county taxes for 2024 have been paid in the amount of $4,488.26 on xx/xx/2025 and xx/xx/2025. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,760.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,211.34 with an interest rate of 3.375%. The current UPB reflected is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. As per the seller's tape data, the subject property is owner-occupied. No details pertaining to the damage to the subject property have been observed. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. x. x.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show proceeds from a bridge loan of $66K taken against REO property were used as funds for closing of the subject loan." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $XXXX. Current UPB is $251K."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 8374409 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $6336.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $8797.15 | 6.625% | 352 |  | xx | xx |  | VA | Fixed |  | Refinance | 97.429% | 97.429% | Full Documentation | Not Applicable | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 745 | Not Applicable | 57.702% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and recorded on xx/xx/2023 with instrumentxx in the amount of xx with MERS as nominee for xx. No active judgments or liens have been found. The annual installment of county taxes for 2024 has been paid in the amount of $6,336.00 on xx/xx/2025. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,797.16 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $8,797.15 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. No details pertaining to the damage to the subject property have been observed. As per the seller's tape data, the subject property is owner-occupied. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | As per the tape, the C2P updated value came in under for modification. This is a construction-to-permanent loan that originated on xx/xx/2023 in the loan amount of $xx, and the first payment date for the P&I was due on xx/xx/2024. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $8,797.15 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $xx. The MOD agreement is missing from the loan file. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID Violation due to decrease in lender credit on closing disclosure dated xx/xx/2023. The initial CD dated xx/xx/2023 reflects lender credit at $247.58; the final CD dated xx/xx/2023 reflects the lender at $0.00. This is a decrease of $247.58 for a fee that has a 0% tolerance test." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 73177649 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | No | Not Applicable | First |  | $0.00 | $9561.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5767.20 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 74.794% | 74.794% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 760 | Not Applicable | 38.628% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrumentxx in the amount of xxwith MERS as nominee fo rxx.<br> There is one junior mortgage against the subject property, originated on xx/xx/2022 and recorded on xx/xx/2022, in the amount of xx with MERS as xx.<br> There are two active prior credit card judgments against the borrower with different plaintiffs, which were recorded on xx/xx/2017 and xx/xx/2020, in the total amount of $3,488.01.<br> There is one active prior state tax lien against the borrower in favor of the xx, which was recorded on xx/xx/2022 in the amount of $1,683.23.<br> The annual installment of county taxes for 2025 is due in the amount of $9,561.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,767.20 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,767.20 with an interest rate of 3.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the late fees test, as the late fee charged of $288.36 exceeds the late fee threshold of $100.00 over by +$188.36."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows a prior mortgage was reported within the last 12 months, and there is no pricing. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed charges that cannot increase the 0% tolerance test. The initial LE dated xx/xx/2022 reflects points - loan discount fee at xx. The final CD dated xx/xx/2022 reflects points - loan discount fee at xx. This is an increase in fee of $3,745.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/2022, and the 3-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 13070873 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Not Applicable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3047.48 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1210.72 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 97.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 813 | Not Applicable | 46.433% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for 2025 has been paid in the amount of $5,025.49 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,641.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,210.72 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 46.43%. Tape shows undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. xx. |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 99360091 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1016.09 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $467.90 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 88.235% | 100.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 686 | Not Applicable | 44.767% | First | Short Form Policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx with xx.<br> There is junior mortgage against the subject property that was originated on 0xx/xx/2025 and recorded on 0xx/xx/2025 with instrumentxx in the amount of $xx with the xx.<br> The 1st and 2nd installments of county taxes for 2024-2025 were paid in the total amount of $1,320.09 on xx/xx/2024, xx/xx/2025, and xx/xx/2025.<br> The annual xx/xx charges for 2025 have been paid in the amount of $76.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $705.35 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $467.90 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and file show the subject loan closed without an approval from xx for a second lien loan xx of $10K. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 54245808 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4333.73 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $979.21 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | 84.906% | 84.906% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 723 | Not Applicable | 33.135% | First | Short Form Policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2020 and recorded on xx/xx/2021 with instrumentxx in the amount of $xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for 2024 has been paid in the amount of $2,383.55 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,661.63 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $994.53 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional fixed-rate mortgage with a P&I of $979.21, a rate of interest of 3.250%, and a maturity date of xx/xx/2050. The P&I as per payment history is $994.53, and the rate of interest is 3.250%. There is a difference in P&I with respect to the note. The modification agreement is missing from the loan file. | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the loan shows incorrect closing doc. Note reflects a loan amount of xx and the final CD reflects a loan amount of xx Further details not provided." |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB is $205K."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. Initial loan estimate dated xx/xx/2020 reflects Mortgage Broker Fee at $3,033.00. Final CD dated xx/xx/2020 reflects Mortgage Broker Fee at $3,080.45. This is an increase fee in the amount of +$47.45 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/2020, and the 3-year SOL is expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 45078933 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Iowa | xx | xx | xx | Iowa | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3414.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1588.11 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 93.534% | 98.534% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 749 | Not Applicable | 32.547% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for 2024 has been paid in the amount of $1,707.00 on xx/xx/2025.<br> The second installment of combined taxes for 2024 is due in the total amount of $1,707.00 on xx/xx/2026.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,100.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,588.11 with an interest rate of 7.750%. The current UPB reflected as per the payment history tape data is $xx The current UPB is not mentioned in the latest PH. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is $xx.<br> As per the tape data, the subject property is owner-occupied.<br> Unable to determine the reason for default.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the state regulations for the prohibited fees test. The below fee was included in the test: Document Preparation Fee paid by Borrower: $295.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 33%. Tape shows the employment offer used for qualification was rescinded by the employer post-close. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. xx. |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 76522937 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10860.34 | 07/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5286.06 | 7.500% | 360 |  | xx | xx |  | Commercial | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 767 | Not Applicable | 14.595% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of $xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024/2025 have been paid in the total amount of xx on xx/xx/2025 and on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,286.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,286.06 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx. <br> No details pertaining to the damage to the subject property have been observed. <br> The loan has not been modified since origination. <br> As per the tape data, the subject property occupancy stated is an investor.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br>xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject note and mortgage are in the name of xx, a xx as trustee of thexxand were executed by the CEO xx. Deed matches the mortgage and is in the name of xx as trustee for the trust. The beneficiary of the trust, xx, signed the personal guarantee. Tapes shows loan is vested in the non profit on behalf of the trust and has ineligible vesting per the guidelines. Review shows docs are properly executed with proper vesting." |  | \* Settlement date is different from note date (Lvl 1)&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1 reflects the closing date as 04/18/2025. The notary's signature date on the mortgage/deed of trust is 04/17/2025. Note date is 04/15/205." |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 22888458 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3701.58 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3387.69 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 714 | Not Applicable | 49.961% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrumentxx in the amount of $xx with MERS as nominee for xx.<br> There is a UCC lien against the subject property in favor of xx, which was recorded on xx/xx/2025.<br> The first and second installments of county taxes for 2024/2025 have been paid in the total amount of $3,701.58 on xx/xx/2024 and xx/xx/2025.<br> The first and second installments of supplemental county taxes for 2024/2025 have been paid in the total amount of $1,406.47 on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,392.17 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,387.69 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx.<br> As per seller tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review ofxx shows the loan failed the QM APR test. Further details not provided." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed QM safe harbor threshold test due to APR calculated 8.305% exceeds APR threshold of 7.620% over by +0.685%."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.375% exceeds the APR threshold of 7.620% over by +0.755%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the CA AB 260 higher-priced mortgage loan test due to an APR calculated at 8.375% exceeds APR threshold of 7.620% over by +0.755%."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 51295485 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7121.78 | xx | xx | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1174.21 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 756 | Not Applicable | 41.283% | First | Final policy | Not Applicable | Not Applicable | 04/08/2025 | $275975.53 | $28743.11 | 3.375% | $939.31 | 05/01/2025 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2022 with instrument xx in the amount of $xx with MERS as nominee for xx.<br> There is a junior credit card judgment against the borrower in favor of xx, which was recorded on xx/xx/2024 in the amount of $xx.<br> The 1st, 2nd, and 3rd installments of town taxes for 2025 have been paid in the amount of $5,207.85 on xx/xx/2025.<br> The 1st, 2nd, and 4th installments of town taxes for 2025-2026 are due in the amount of $5,474.81 on xx/xx/2026.<br> No prior year's delinquent taxes have been found. | According to the tape as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,096.76 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $939.31 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $xx and deferred balance $xx. The due dates were advanced from xx/xx/2023 to xx/xx/2025 due to a modification. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to the tape as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is excessive obligations.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> The appraisal report is completed as is. The photo addendum located at xx showsxx. The cost of repair is not available. The 1004D is missing from the loan file. No evidence is available to confirm the current status of repairs.<br> The foreclosure was initiated in 2024. The lis pendens was filed on xx/xx/2024 and recorded on xx/xx/2024, and is located at xx. The release of lis pendens was filed on xx/xx/2025 and recorded on xx/xx/2025 and is located at xx.<br> The loan was modified on xx/xx/2025.<br> No post-close bankruptcy record has been found.<br> BWR receives monthly xx.<br> Foreclosure Comments:As per the updated title report dated xx/xx/2025, the foreclosure was initiated in 2024. The lis pendens was filed on xx/xx/2024 and recorded on xx/xx/2024 and is located at xx. The release of lis pendens was filed on xx/xx/2025 and recorded on xx/xx/2025 and is located at "xx." Further details not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lenderxx, on xx/xx/2025. As per the modified term, the new principal balance is $xx The monthly P&I is $939.31 with an interest rate of 3.375% beginning on xx/xx/2025 and a maturity date of xx/xx/2065. The deferred balance is $xx and the interest-bearing UPB is $xx, and there is no principal forgiven amount. The loan has been modified once since origination. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 41.28%. The tape shows the lender did not document the 3-year continuance of IRA distribution income. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2021, and the 3-year SOL has expired. BWR receives monthly IRA distribution income,xx."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the xx. The below fees were included in the test:<br> Attorney Fee Seller paid by Seller: $1,450.00<br> Attorney Fees - Borrowers paid by Borrower: $1,000.00<br> CPL paid by Borrower: $75.00<br> Real Estate Commission paid by Seller: xx<br> Transaction Management paid by Borrower: $15.00<br> Verification Fee paid by Borrower: $129.00"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount Fee. The CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $1,460.80. This is an increase in fee of +$1,460.80 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/2021, and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $0.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 12838571 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9688.44 | 09/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $949.38 | $1206.79 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 70.000% | 70.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 774 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found. <br> The 1st installment of combined taxes for 2024 has been paid in the amount of $5,328.64 on xx/xx/2025. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,891.13 (PITI), which was applied for the due date of xx/xx/2025. The current monthly payment is $949.38 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx. The loan is interest-only for 120 months. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> Subject loan is NOO. xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Occupancy concerns - (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Subject approved as NOO under xx. Tape shows potential occupancy issue. BWR may be living in the NOO property as their out of state residency was unable to be confirmed. Subject originated 6/30/25. 0X30 since inception." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 5952089 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | $14.76 | $11019.86 | 08/25/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $4016.25 | $5338.00 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 30.000% | 30.000% | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 815 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrumentxx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2025.<br> The annual installment of personal taxes for 2025 has been delinquent in the amount of $14.76, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,016.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,016.25 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> Unable to determine the reason for the default.<br> Subject loan is NOO. BWR was qualified using the xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* DSCR is less than 1.00 (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Net operating income is $xx, annual payments (debt service) are $xx, and the debt service cover ratio (DSCR) is 0.98."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Seller tape defect shows the borrower passed away right after closing. Unsalable at the time. Heirs have been making the payments. It is an investment property. As per the death certificate, which is located at xx, the borrower xx deceased on xx/xx/2024. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 86876802 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2458.30 | 08/05/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1123.91 | 6.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 55.975% | 55.975% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 745 | Not Applicable | 44.112% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xxin the amount of $xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of $2,359.97 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,720.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,123.91 with an interest rate of 6.490%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2025 reflects Recording fee at $2,640.00. CD dated xx/xx/2025 reflects Recording fee at $4,580.00. This is a cumulative increase of $1,676.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2025 and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the current flood insurance coverage is inadequate. The individual flood insurance policy provided does not offer sufficient protection, as the property is classified as semi-detached and is not covered under an HOA master policy. Further details not provided." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 13839218 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Vermont | xx | xx | xx | Vermont | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $59.04 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2052.05 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 763 | 702 | 42.409% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrumentxx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The 1st, 2nd, and 3rd installments of combined taxes for 2025-2026 are due in the total amount of $59.04 on different dates.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,718.07 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,052.05 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $xx. | Collections Comments: The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed xxt:<br> Processing Fee paid by Borrower: xx<br> Real Estate Commission paid by Borrower: $1,625.00<br> Settlement or Closing Fee paid by Borrower: $1,500.00<br> Tax Service Fee paid by Borrower: $75.00<br> Underwriting Fee paid by Borrower: $995.00."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape and review of the file show DU is referred to as manufactured housing when run.. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Property is Manufactured Housing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at xx" state that the manufactured home with serial xxhas been affixed to the xx." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 62575185 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $1825.11 | $3318.40 | 08/14/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1298.09 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 725 | Not Applicable | 41.161% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of $xxwith MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for 2024 has been paid in the amount of $1,659.20 on xx/xx/2025.<br> The second installment of combined taxes for 2024 is delinquent in the amount of $1,825.11, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,725.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,298.09 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/2025, the subject property occupancy is owner-occupied.<br> xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 41.16%. Tape shows the lender did not include student loan payment in DTI calculations. Further details not provided. Lender defect. The revised DTI is 54.00%. The subject loan was originated on xx/xx/2025, and the 3-year SOL is active.xx. | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 97015239 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Iowa | xx | xx | xx | Iowa | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1645.92 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 97.000% | 102.000% | Full Documentation | Yes | xx | xx | 18.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 758 | 771 | 47.522% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of $xwith MERS as nominee for xx. <br> There is a junior mortgage that was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of $1xx with the xx. <br> The first and second combined taxes were exempted. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,201.40 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,645.92 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx.<br> As per the seller's tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> The loan has not been modified since origination.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the state regulations for the prohibited fees test.<br> Below fees were included in the test:<br> IA Transaction Coordinator Fee paid by Borrower: $495.00<br> Title Guarantee Fee paid by Borrower: $175.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan file." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject was approved at 47.52%. Tape shows undisclosed debt opened prior to closing, and the lender miscalculated PITI. The revised DTI is 55.28%. BWR defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. xx.xx. |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 30390231 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1510.48 | 08/01/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3256.60 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 756 | 764 | 48.210% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of $xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $1,510.48 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,375.58 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,256.60 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the property is owner-occupied.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 48.21% DTI. Tape shows unable to validate income from one of the borrowers. Lender defect. The co-borrower's paystub reflects an inaccurate xx. Revised DTI 87.23%. xx. The subject loan originated xx/xx/2025 and the 3-year SOL is active,xx. | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2025 does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/2025 reflects Appraisal Re-Inspection Fee at $300.00. This is an increase in fee of +$300.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/2025, and the 1-year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 71854129 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3486.73 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $875.83 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 43.333% | 43.333% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 667 | Not Applicable | 40.499% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2025 with instrument xx in the amount of $xx with MERS as nominee for xx.<br> There is a prior hospital lien against the subject borrower in favor of xx., which was recorded on xx/xx/2016. The amount of the lien is not mentioned on the supportive document.<br> The annual installment of 2024 taxes for the county has been paid in the amount of $3,486.73 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,254.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $875.83 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $5,213.10 exceed fees threshold of $3,914.00 by +$1,299.10. The below fees were included in the test: Lender fee paid by Borrower: $1,629.00<br> Points - Loan Discount Fee paid by Borrower: $3,584.10.<br>Loan fails the qualified mortgage lending policy points and fees test due to fees charged $5,213.10 exceed fees threshold of $3,914.00 by +$1,299.10. <br> Lender fee paid by Borrower: $1,629.00<br> Points - Loan Discount Fee paid by Borrower: $3,584.10." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 40.49%. Tape shows undisclosed debt. Revised DTI is 56.19%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. xx." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 74531322 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4703.13 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2679.49 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 770 | Not Applicable | 49.292% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrumentxx in the amount of $xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> For Parcel xx, the annual installments of utilities, city, and county taxes for 2024 have been paid in the total amount of $2,425.85 on xx/xx/2024 and xx/xx/2024.<br> The annual installment of county taxes for 2025 is due in the amount of $1,768.75 on xx/xx/2025.<br> For Parcel xx, the annual installments of utilities and city and county taxes for 2024 have been paid in the total amount of $2,437.89 on xx/xx/2024 and xx/xx/2024.<br> The annual installment of county taxes for 2025 is due in the amount of $1,806.96 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,730.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,679.49 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for default.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The AUS/DU report is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows "ineligible property. The subject property consisted of more than one parcel of real estate. The subject consists of a single physical structure, it which is situated across two distinct legal parcels, each identified by separate parcel identification numbers and tax assessor records". As per the updated title report dated xx/xx/2024, the legal description mentioned on the deed is consistent with the legal description mentioned on mortgage. Further details are not provided." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2024 reflects transfer taxes at $380.00. The CD dated xx/xx/2024 reflects transfer taxes at $389.00. This is an increase in fee of +$9.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2024, and the 1-year SOL has expired."<br> \* Higher Price Mortgage Loan (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.360% exceeds APR threshold of 8.382% over by +0.022%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 35333119 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7981.47 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4306.85 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 721 | Not Applicable | 14.714% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xxin the amount of $xxwith xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 was paid in the amount of $3,104.94 on xx/xx/2025.<br> The annual installment of school taxes for 2024 was paid in the amount of $3,254.03 on xx/xx/2025.<br> The annual installment of utility/MUD annual charges for 2024 was paid in the amount of $1,622.50 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the tape as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB reflected as per the tape is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the tape as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $4,306.85 with an interest rate of 8.125%. The current UPB reflected as per the tape is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx/xx/2025 reflects Points - Loan Discount Fee at xx. The CD dated xx/xx/2025 reflects Points - Loan Discount Fee at xx. This is an increase in fee of $359.25 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase that originated on xx/xx/2025, and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The tape shows the subject is an HPML loan that does not meet appraisal report delivery requirements. The file shows the appraisal report was delivered 3 business days prior to closing. Review shows subject is escrowed and LVL2 HPML. Further details not provided." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.480%, exceeding the APR threshold of 8.390% by +0.090%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated at 8.402% Exceeds APR threshold of 8.390% by +0.012%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 81072296 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | South Dakota | xx | xx | xx | South Dakota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1634.98 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1127.22 | 6.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 103.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 627 | 616 | 37.871% | First | Final policy | Not Applicable | XXXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 in book xx in the amount of $xx with MERS as nominee for xx.<br> There is one junior mortgage against the subject property, which was originated on xx/xx/2025 and recorded on xx/xx/2025 in bookxx in the amount of xx with MERS as nominee for xx, xx.<br> The first and second installments of county taxes for 2024 have been paid in the total amount of $1,634.97 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,502.80 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,127.22 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx.<br> As per the tape data, the subject property is owner-occupied. <br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/2025, and the 1-year SOL is active."<br> \* GSE Points and Fees Test Violations (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $7,896.82 exceeds fees threshold of $4,866.09 over by +$3,030.73. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $6,046.82<br> Processing Fee paid by Borrower: $880.00<br> Underwriting Fee paid by Borrower: $970.00.<br>Loan fails QM lending policy points and fees test due to fees charged $7,896.82 exceeds fees threshold of $4,866.09 over by +$3,030.73. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $6,046.82<br> Processing Fee paid by Borrower: $880.00<br> Underwriting Fee paid by Borrower: $970.00."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The initial closing disclosure dated xx/xx/2025 is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Rebuttable Presumption - defined by loan findings (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Loan fails FHA QM rebuttable presumption test due to fees charged $7,896.82 exceeds fees threshold of $4,866.09 over by +$3,030.73. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $6,046.82<br> Processing Fee paid by Borrower: $880.00<br> Underwriting Fee paid by Borrower: $970.00." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject FHA loan was approved at 37.87%. Tape shows lender did not pay $6488.28 collection account to Credit collections bureau at closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. xx<br> \* Compliance Testing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed FHA QM safe harbor threshold test due to APR calculated 8.009% and comparison data of APR threshold at 8.357% which is under variance by -0.348%. Subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 2658486 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | No | Not Applicable | First |  | $0.00 | $4357.35 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2025.62 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 95.000% | 95.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 687 | Not Applicable | 47.275% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of $xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of $2,652.10 on xx/xx/2024.<br> The annual installment of combined taxes for 2025 is due in the amount of $4,357.35 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,542.78 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,025.62 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape, the subject property occupancy is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan was approved at 47.27%. Tape shows undisclosed auto loan debt. The revised DTI is 56.67%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for xx."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 reflects Points - Loan Discount Fee at $1,977.00. Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $2,372.63. This is an increase in fee of +$395.63 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase case, originated on xx/xx/2024 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 33190685 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | New York | xx | xx | No | No | Not Applicable | First |  | $0.00 | $4729.39 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1794.50 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 90.000% | 90.000% | Full Documentation | Yes | xx | xx | 25.000% |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Secondary | Yes | Yes | No | 793 | Not Applicable | 42.831% | First | Commitment | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2022 and recorded on xx/xx/2022 with instrumentxx in the amount of $xxwith MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual installments of city and combined taxes for 2024 have been paid in the amount of $4,729.39 on xx/xx/2024 and xx/xx/2024.<br> 2021 to 2024 xx Taxes to follow.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,450.89 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,794.50 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is in collection.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> As per the tape, the subject property occupancy is secondary.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable |  | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Subject loan was approved at 42.83%. Tape shows an issue with the continuation of the BWR SSI income. Revised DTI is 55.27%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL has expired. xx."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $8,612.50 exceed the fees threshold of $7,763.09 by +$849.41. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $7,087.50 Processing Fee paid by Borrower: $500.00 Technology Fee paid by Borrower: $30.00 Underwriting Fee paid by Borrower: $995.00.<br>The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated at 7.569%, exceeding the APR threshold of 7.360% by +0.209%. The subject loan is escrowed."<br> \* GSE Points and Fees Test Violations (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $8,612.50 exceed the fees threshold of $7,763.09 by +$849.41. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $7,087.50 Processing Fee paid by Borrower: $500.00 Technology Fee paid by Borrower: $30.00 Underwriting Fee paid by Borrower: $995.00."<br> \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 38948910 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $149.06 | $7769.83 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2677.23 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 85.000% | 85.000% | Full Documentation | Yes | xx | xx | 12.000% |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 762 | Not Applicable | 49.439% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument xx in the amount of $xx with xx.<br> There is a prior state tax lien against xx in favor of the xx, which was recorded on xx/xx/2016 in the amount of $1,006.38. The SSN mentioned on the supportive document is inconsistent with the borrower's SSN.<br> There is a prior civil judgment against the borrower in favor of xx, an individual, which was recorded on xx/xx/2014 in the amount of $xx.<br> For parcel xx<br> The 1st and 2nd installments of county taxes for 2023 have been paid in the total amount of $7,751.61 on xx/xx/2024 and xx/xx/2024.<br> The 1st installment of county taxes for 2024 has been paid in the amount of $4,204.87 on xx/xx/2025.<br> For parcel xx<br> The 1st installment of county taxes for 2023 has been paid in the amount of $54.56 on xx/xx/2024.<br> The 1st and 2nd installments of county taxes for 2023-2024 have been delinquent in the total amount of $149.06, which is good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,410.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,677.23 with an interest rate of 7.625%. The current UPB is xx. | Collections Comments:As per collection comments, the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details regarding the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows excessive IPC (interested party contribution). Final CD reflects seller credit of $23K. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 32283883 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $357.62 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1324.95 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 38.702% | 38.702% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 773 | Not Applicable | 49.663% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of $xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024-2025 have been paid in the amount of $357.62 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,323.73 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,324.95 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.&nbsp;&nbsp;&nbsp;&nbsp; <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "TRID tolerance test is incomplete, as the initial LE and CD are missing from loan documents. The subject loan is a purchase case originated on xx/xx/2025, and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan officer is listed on the xx list. Further details not provided. Subject originated 773. 0X30 since inception."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD dated xx/xx/2025 reflects cash to the borrower in the amount of $2,745.00." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 13859581 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $67.12 | 08/15/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1420.43 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 59.838% | 59.838% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | No | No | 802 | Not Applicable | 30.383% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of $xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2025 is due in the total amount of $67.12 on xx/xx/2025.<br> The annual installment of county taxes for 2024 has been paid in the amount of $68.18 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,624.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,420.43 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase TRID tolerance test is incomplete due to initial LE and CD are missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan officer is listed on the Freddie Mac exclusionary list. Further details not provided. Subject originated 802. 0X30 since inception."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 33101773 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5039.26 | 08/04/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1684.30 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 30.157% | 30.157% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 759 | 790 | 36.949% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2025 have been paid in the total amounts of $5,039.26 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,684.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,684.30 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape, the subject property is non-owner occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the loan officer is listed on the Freddie xx Further details not provided. Subject originated 759. 0X30 since inception." |  |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 14411089 | xx | Full Review | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1666.64 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1553.91 | 6.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | 98.189% | 98.189% | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 711 | 770 | 37.584% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with an instrument xx in the amount of $xx withxx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024/2025 has been paid in the amount of $1,666.64 on xx/xx/2025.<br> The second installment of county taxes for 2024/2025 is due in the amount of $1,666.64 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, with the first payment date on xx/xx/2025. According to tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $1,553.91 with an interest rate of 6.750%. The current UPB reflected as per the tape data is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> The loan was originated on xx/xx/2025, with the first payment date on xx/xx/2025. According to tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the tape data is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is owner-occupied.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The subject mortgage originated byxx and xx on xx/xx/2025. The note and mortgage is signed by both the borrowers. The seller tape and review of the file show the co-borrower is a non-occupant and not a permanent resident. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject loan is a purchase case. The final CD dated xx/xx/2025 reflects cash in the amount of $6,876.72." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 23453325 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | $0.00 | $8007.05 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6195.57 | 8.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 91.544% | 91.544% | Full Documentation | Yes | xx | xx | 30.000% |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 651 | Not Applicable | 46.529% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 in the amount of $xx with xx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the amount of $8,007.05 on xx/xx/2024 and xx/xx/2025.<br> The 1st installment of county taxes for 2025 has been paid in the amount of $4,867.68 on xx/xx/2025.<br> The annual installments of water/sewer charges are due in the amount of $97.11 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $6,195.57 with an interest rate of 8.490%. The current UPB reflected as per the payment history is xx. | Collections Comments:The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB is $xx.<br> As per the tape, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows the subject loan failed for APR outside the QM guidelines test. Infinity CE shows the loan failed for the APR and HPML threshold test."<br> \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.796% exceeds the APR threshold of 8.250% over by +1.546%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d)." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 32014728 | xx | Full Review | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11272.78 | 09/03/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4210.74 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 58.140% | 58.140% | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 786 | Not Applicable | 42.394% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2025 and recorded on xx/xx/2025 with instrument xx in the amount of $xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024/2025 have been paid in the total amount of xx on xx/xx/2024 and xx/xx/2025, respectively.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,210.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,210.74 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is owner-occupied.<br> xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4)&nbsp;&nbsp;&nbsp;&nbsp; "Tape shows critical repairs for the severe damages and safety issues with decks and balconies, including evidence of leakage and repair work still in progress. Appraisal report is as is, and the condo questionnaire does not show any damage or repair work. 1004D or an engineer's inspection report verifying the completion of repair and structural integrity of the condo questionnaire is missing from the loan file." | \* Missing or error on the Rate Lock Document (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |
| 42818815 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $945.55 | xx | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $708.07 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 100.000% | 100.000% | Full Documentation | Yes | xx | xx | 20.000% | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 25.346% | First | Short Form Policy | Not Applicable | Not Applicable | 07/25/2014 | $131836.37 | $31082.25 | 4.625% | $461.08 | 08/01/2014 | Financial Hardship | Review of updated title report dated on xx/xx/2018 shows the subject mortgage was originated on xx/xx/2007 which was recorded on xx/xx/2007 with MERS as nominee for xx. <br> The chain of assignment is completed as currently the assignment is with xx.<br> No active judgments or liens have been found.<br> Property Tax Status;<br> 1) Combined annual taxes for the year 2017 are paid in the amount of $954.55 on xx/xx/2018.<br> There are no prior year delinquent taxes. | Review of payment history as of dated xx/xx/2018 shows that the borrower is not making regular payments. The loan payments are delinquent from 9 months. The next due date is xx/xx/2017. The last payment was received on xx/xx/2018 which was applied for the due date xx/xx/2017 in the total amount of $965.83. The current unpaid principal balance as per payment history is in the amount of xx with current interest rate of 4.62500% and P&I in the amount of $461.08. | Collections Comments:Collection comments available from xx/xx/2007 till xx/xx/2018 shows that the borrower is not making regular payments. The loan payments are delinquent from 9 months. The next due date is xx/xx/2017. The last payment was received on xx/xx/2018 which was applied for the due date xx/xx/2017 in the total amount of $965.83. The current unpaid principal balance as per payment history is in the amount of xx with current interest rate of 4.62500% and P&I in the amount of $461.08.<br> The loan was modified on xx/xx/2014. <br> The borrower agree to pay the UPB of xx with interest rate of 4.625 % and P&I of $461.08 with fixed amortized type beginning from first payment date xx/xx/2014 and ends with the maturity date of xx/xx/2054.<br> The borrower agrees to pay the amount of xx as deferred balance on the maturity date on The borrower agrees to pay the amount of xx as deferred balance on the maturity date on xx/xx/2054. The UPB that has been amortized is xx as an interest bearing amount.<br> The borrower is making payment as per modification agreement. <br> Available servicing comment and documents in file reveal that loan is in foreclosure since 2011. Foreclosure was referred to attorney on xx/xx/2016 and foreclosure sale was scheduled for xx/xx/2016. However, foreclosure was put on hold due bankruptcy filed by the borrower. <br> Borrower has filed Bankruptcy under chapter-13 on xx/xx/2016 with thexx and the plan was confirmed on xx/xx/2016<br> The reason for default is illness of borrower.<br> Latest BPO dated xx/xx/2017 states that exterior repair required in the amount $500 for Siding/Trim Pressure wash sidling. Property in average condition and occupied by owner. <br> Foreclosure Comments:Available servicing comment and documents in file reveal that loan is in foreclosure since 2011. Foreclosure was referred to attorney on xx/xx/2016 and foreclosure sale was scheduled for xx/xx/2016. However, foreclosure was put on hold due bankruptcy filed by the borrower. <br> Bankruptcy Comments:Borrower has filed Bankruptcy under chapter-13 on xx/xx/2016 with the xx and the plan was confirmed on xx/xx/2016. According to the Chapter-13 plan, debtor shall pay $588.00 monthly for every two week. The loan is currently in active bankruptcy<br>| Loan Modification agreement was made between borrower "xx on effective date xx/xx/2016. <br> The borrower agree to pay the UPB of $131,836.37 with interest rate of 4.625 % and P&I of $461.08 with fixed amortized type beginning from first payment date xx/xx/2014 and ends with the maturity date of xx/xx/2054.<br> The borrower agrees to pay the amount of $31,082.25 as deferred balance on the maturity date on The borrower agrees to pay the amount of $31,082.25 as deferred balance on the maturity date on xx/xx/2054. The UPB that has been amortized is $100,754.12 as an interest bearing amount. | Affiliated Business Disclosure<br> Credit Report<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ComplianceEase risk indicator is moderate as the loan is failing for TILA test and State regulations restricted fees."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the brokerage/finder fee test; The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and<br> Regulations, brokerage fee is synonymous with finder fee.<br> Brokerage/Finder Fee Test: FAIL $3,865.00 $2,300.00 +$1,565.00."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA finance charge test; The finance charge is xx. The disclosed finance charge of xx is not considered accurate because it is<br> understated by more than $100.<br> TILA Finance Charge Test: FAIL xx xx -$3,881.32.<br> This loan failed the TILA APR test; The annual percentage rate (APR) is 8.170%. The disclosed APR of 8.001% is not considered accurate because it is more than<br> 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> TILA APR Test: FAIL 8.001% 8.170% -0.169%."<br> \* Missing credit report (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Credit report is missing from loan file"<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "List of service providers is missing from loan file."<br> \* Missing Required State Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required state disclosure missing from loan file below they are:<br>Placement of Insurance Disclosure<br> Availability of Title Insurance<br> TN Consent to Disclosure of Insurance Information<br> Choice of Agent/insurer<br> Insurance Solicitation/Post Commitment"<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated business disclosure is missing from loan file." |  | Moderate | Not Covered | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 64197038 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $0.00 | xx | xx | No | Bankruptcy | Chapter 13 | xx | $0.00 | No | xx | Not Applicable | $1997.60 | 7.150% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 100.000% | 100.000% | Full Documentation | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 642 | Not Applicable | 24.340% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Review of updated title report dated xx/xx/2018 shows that the subject mortgage was originated on xx/xx/2008 and it was recorded on xx/xx/2008 in favor of xx<br>The annual combined taxes have been paid in full.<br> No prior years delinquent taxes have been found.<br>The subject mortgage is on second lien position as according to the updated title report dated xx/xx/2018, there is one water/sewer lien on the subject property in the amount of $1,325.22 which was recorded on xx/xx/2018 in favor of xx<br> The subject property is located State of PA, which is super lien state. There is a risk of the property to be getting foreclosed due to above unpaid lien. This can be cure if above unpaid lien will paid in full with unpaid interest and late fees.<br>There are two IRS lien against xx in favor of Department of the xx as follow.<br> First was recorded on xx/xx/2014 total in the amount of xx (IRS/federal taxes pending from 2006).<br> Second was recorded on xx/xx/2015 in the amount of $7,096.97.<br>There is one state tax lien in the amount of xx which was recorded on xx/xx/2011 in favor of xx.<br>There are two judgments against xx as follow.<br> First was recorded on xx/xx/2013 in the amount of $5,206.06 in favor of xx.<br> Second was recorded on xx/xx/2014 in the amount of $2,659.56 in favor of xx.<br>| Review of updated payment history shows that the subject loan is in delinquency for more than 120 days. The borrower is not making his monthly payments. The last payment received date is not available. Payment history reflects the P&I in the amount of $1,997.60 with interest rate of 7.150%. The next due date is xx/xx/2013. The unpaid principal balance reflected as of the date is xx. Borrower is making the payments according to the original note terms. | Collections Comments:According to the latest comments the loan is in active bankruptcy as the borrower had filed bankruptcy dated on xx/xx/2017 under chapter 13 with case noxx. Still the plan was not confirmed and objection to confirmation of plan was filed on xx/xx/2018. xxwas filed on xx/xx/2018.<br> POC was filed on xx/xx/2018 with the claim amount of $xx and the amount of arrearage is $xx.<br>The subject loan is in delinquency for more than 120 days. The borrower is not making his monthly payments. The last payment received date is not available. Payment history reflects the P&I in the amount of $1,997.60 with interest rate of 7.150%. The next due date is xx/xx/2013. The unpaid principal balance reflected as of the date is xx. Borrower is making the payments according to the original note terms.<br>According to the latest comments and documents available in the loan file state that the foreclosure was initiated in the loan with case no#xx. The complaint was filed on xx/xx/2015 and the judgment was entered on xx/xx/2017. The sale date was scheduled for xx/xx/2017 but the foreclosure was put on hold due to the bankruptcy filed by the borrower on xx/xx/2017. No further details are available about foreclosure in given servicing comments.<br>The subject mortgage is on second lien position as according to the updated title report dated xx/xx/2018, there is one water/sewer lien on the subject property in the amount of $1,325.22 which was recorded on xx/xx/2018 in favor of xx.<br> The subject property is located State of PA, which is super lien state. There is a risk of the property to be getting foreclosed due to above unpaid lien. This can be cure if above unpaid lien will paid in full with unpaid interest and late fees.<br>The loan is eligible for short sale as the borrower is delinquent from xx/xx/2013 . Due the illness of family member borrower unable to make the monthly payments.<br> Foreclosure Comments:According to the latest comments and documents available in the loan file state that the foreclosure was initiated in the loan with case no#xx. The complaint was filed on xx/xx/2015 and the judgment was entered on xx/xx/2017. The sale date was scheduled for xx/xx/2017 but the foreclosure was put on hold due to the bankruptcy filed by the borrower on xx/xx/2017. No further details are available about foreclosure in given servicing comments.<br> Bankruptcy Comments:The borrower had filed bankruptcy dated on xx/xx/2017 under chapter 13 with case no#xx. Still the plan was not confirmed and objection to confirmation of plan was filed on xx/xx/2018. MFR was filed on xx/xx/2018.<br> POC was filed on xx/xx/2018 with the claim amount of xx and the amount of arrearage is xx. The Stay was lifted xx/xx/2018. | Not Applicable | Affiliated Business Disclosure<br> Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report at origination is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "List of service provider disclosure is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of service transfer disclosure is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated Business Disclosure is missing from the loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Not Covered | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |  |
| 31965587 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kentucky | xx | xx | xx | Kentucky | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $831.73 | xx | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $808.00 | 9.160% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 90.000% | 90.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 08/01/2010 | $101234.36 | Not Applicable | 6.000% | $692.77 | 09/01/2010 | Financial Hardship | As per updated title report dated xx/xx/2018 the subject mortgage was originated on xx/xx/2002 and recoded on xx/xx/2002.<br> The chain of assignment has been completed.<br> There is active credit card judgment in the favor of xx), N.A. in the amount of $xx recorded on xx/xx/2012.<br> 2017 annual taxes are paid in the amount of $831.73 and no prior delinquent taxes are found. | The review of payment history shows that the borrower has been delinquent for 22 months and next due date for payment is xx/xx/2016. The last payment was received on xx/xx/2018 in the amount of $692.77 which was applied for xx/xx/2016. The UPB is reflected in the latest payment history in the amount of xx. The Current P&I is $692.77 and PITI is $893.81.The borrower has been making payments as per the modification | Collections Comments:The review of the collection comment shows that the loan is in active bankruptcy and next due date for the payment is xx/xx/2016.<br> The borrower had filed bankruptcy under chapter 13 with the case xx on xx/xx/2016 and the plan was confirmed on xx/xx/2016 .Under amended chapter-13 plan debtor was supposed to pay the trustee the amount of $400.00 for 60 months. The POC was filed on xx/xx/2016.The POC amount is xx and the amount of arrearage is xx.<br> No comments have been found regarding the foreclosure.<br> The review of payment history shows that the borrower has been delinquent for 22 months and next due date for payment is xx/xx/2016. The last payment was received on xx/xx/2018 in the amount of $692.77 which was applied for xx/xx/2016. The UPB is reflected in the latest payment history in the amount of xx. The Current P&I is $692.77 and PITI is $893.81.<br> The borrower has been making payments as per the modification.<br> The loan modification agreement was made between (borrower) xx and (Lender)xx on xx/xx/2010.<br> The borrower promises to pay the new UPB in the amount of xx with an annual fixed modified interest rate of 6.00% and new P&I in the amount of $692.77 beginning from xx/xx/2010 till the maturity date xx/xx/2032. There is no provision for the balloon payment.<br> The reason for default is not found. <br> As per the BPO report dated xx/xx/2018, Subject property appears to be in average condition and<br> No damage has been observed. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower had filed bankruptcy under chapter 13 with the case #xx and the plan was confirmed on xx/xx/2016 .Under amended chapter-13 plan debtor was supposed to pay the trustee the amount of $400.00 for 60 months.The POC was filed on xx/xx/2016.The POC amount is xx and the amount of arrearage is xx. | The loan modification agreement was made between (borrower)xx, on xx/xx/2010.<br> The borrower promises to pay the new UPB in the amount of $101,234.36 with an annual fixed modified interest rate of 6.00% and new P&I in the amount of $692.77 beginning from xx/xx/2010 till the maturity date xx/xx/2032. There is no provision for the balloon payment. | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1 document is available from the loan file, however the addition disbursement details are missing."<br> \* Not all borrowers signed HUD (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "The final HUD-1 is not signed by the borrowers." | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final 1003 (Application) is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The compliance ease risk indicator is moderate for TILA APR test failed."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TILA APR Test. Result-FAIL, Loan data: 0.000%, Comparison data: 9.528%, Variance: -9.528%"<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The final truth in lending is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The initial escrow account disclosure is missing from the loan file."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The appraisal report at the origination is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The list of service providers is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject property is located in Kentucky state. The state disclosures missing from the loan file are: Fair Housing Notice, Homeownership Protection Center Disclosures, Notice of Free Choice of Agent or Insurer."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The servicing transfer document is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The affiliated business disclosures is missing from the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The right of rescission is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |  |
| 23485945 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1756.00 | xx | Unavailable | No | Court Delay | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $909.03 | 6.850% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | 92.486% | 92.486% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 664 | Not Applicable | 59.470% | First | Final policy | Not Applicable | Not Applicable | 06/05/2017 | $125483.21 | $8674.31 | 4.500% | $564.13 | 08/01/2017 | Financial Hardship | As per the review of the updated title report dated xx/xx/2018, the subject mortgage was originated on xx/xx/2005 with lender xx recorded on xx/xx/2005. <br> The chain of assignment has not been completed, currently, the assignment is with xx. <br> There are no active liens and judgments found against the borrower.<br> 1) 2018 Town annual taxes had been paid in the amount of $179.09 on xx/xx/2018.<br> 2) 2018 County annual taxes had been paid in the amount of $271.48 on xx/xx/2018.<br> 3) 2018 School annual taxes are due for xx/xx/2018 in the amount of $1,144.74.<br> No prior year delinquent taxes had been found pending. | According to the payment history as of dated xx/xx/2018 , the borrower is delinquent for 4 months. The last payment received was in the amount of $564.13 on xx/xx/2018 for due date xx/xx/2018. The next due date is xx/xx/2018. Current UPB reflects in the provided payment history is in the amount of xx and current interest rate as per payment history tape data is 4.500 %. Borrower had paid his amount as per the modification agreement made on dated xx/xx/2017. | Collections Comments:The current status of loan is in collection. Available servicing comments from xx/xx/2016 till xx/xx/2018 shows that foreclosure was initiated in the loan and the same show foreclosure was on hold because till the date of xx/xx/2018 it was not referred for foreclosure. Now loan file gets approval to foreclosure on dated xx/xx/2018. Now it's referred to the foreclosure on xx/xx/2018. Collection comment xx/xx/2018 shows loan file is not in bankruptcy. <br> The loan has modified since the origination, the loan modification agreement was made between Borrower xx on xx/xx/2017. The new modified rate is 4.500 % and borrower promises to pay P&I in the amount of $564.13 beginning xx/xx/2017. The new principal balance is xx. The maturity date is xx/xx/2057. Rate will be changed in 2 steps.<br> Step 1- Interest Change date is xx/xx/2017, Modified rate is 4.5 % and borrower promises to pay P&I in the amount of $564.13 beginning xx/xx/2017 and payment end date xx/xx/2022. <br> Step 2- Interest Change date is xx/xx/2022, Modified rate is 5.35 % and borrower promises to pay P&I in the amount of $628.46 beginning xx/xx/2022 and payment end date xx/xx/2057.<br> According to the payment history as of dated xx/xx/2018, the borrower is delinquent for 4 months. The last payment received was in the amount of $564.13 on xx/xx/2018 for due date xx/xx/2018. The next due date is xx/xx/2018. Current UPB reflects in the provided payment history is in the amount of xx and current interest rate as per payment history tape data is 4.500 %. The borrower had paid his amount as per the modification agreement made on dated xx/xx/2017.<br> The borrower xx had filed bankruptcy under Chapter 13 xx on xx/xx/2011 and the plan was confirmed on xx/xx/2011 and is terminated on xx/xx/2016. The chapter 13 plan was filed on xx/xx/2011 the debtor will pay to the U.S. Trustee the sum of $1,500.00 every month for 60 months. The voluntary petition filed on xx/xx/2011 scheduled D is not showing in the voluntary petition. Motion for relief from automatic stay yet not filed.<br> The property is in average condition and it is occupied by its owner. There are no damages found on the subject property. Also, no BPO or inspection report has been found. <br>Foreclosure Comments:Available servicing comments from xx/xx/2016 till xx/xx/2018 shows that foreclosure was initiated in the loan and the same show foreclosure was on hold because till the date of xx/xx/2018 it was not refer for foreclosure. Now loan file get approval to foreclosure on dated xx/xx/2018. Now it's referred to the foreclosure on xx/xx/2018. <br> Bankruptcy Comments:xx on xx/xx/2011 and the plan was confirmed on xx/xx/2011 and is terminated on xx/xx/2016. The chapter 13 plan was filed on xx/xx/2011 the debtor will pay to the U.S. Trustee the sum of $1,500.00 every month for 60 month. Voluntary petition filed on xx/xx/2011 scheduled D is not showing in the voluntary petition. Motion for relief from automatic stay yet not filed. | The loan modification agreement was made between Borrower xx and Lenderxx. on xx/xx/2017. The new modified rate is 4.500 % and borrower promises to pay P&I in the amount of $564.13 beginning xx/xx/2017. The new principal balance is $125,483.21. The maturity date is xx/xx/2057. Rate will be changed in 2 steps.<br> Step 1- Interest Change date is xx/xx/2017, Modified rate is 4.5 % and borrower promises to pay P&I in the amount of $564.13 beginning xx/xx/2017 and payment end date xx/xx/2022. <br> Step 2- Interest Change date is xx/xx/2022, Modified rate is 5.35 % and borrower promises to pay P&I in the amount of $628.46 beginning xx/xx/2022 and payment end date xx/xx/2057. | Affiliated Business Disclosure<br> Loan Program Info Disclosure | xx | 2: Acceptable with Warnings |  |  | \* Loan program disclosure missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Loan Program disclosure is missing from loan file."<br> \* Operative index value is unable to confirm (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index value is unable to confirm from the available loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Required Affiliated Business disclosure is missing from loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is not hand dated by borrower." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |  |
| 10418409 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $3752.95 | $7127.21 | xx | xx | No | Court Delay | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $851.59 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | 80.000% | 80.000% | Unavailable | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2018, shows that the subject mortgage was originated on xx/xx/2002 and was recorded on xx/xx/2002, in the amount of $ xx assignment has been completed. <br> There are 4 active civil judgment as:<br> 1. There is one Civil judgment against borrower in favor of Cxxin the amount of $0.00 which has been recorded xx/xx/2004.<br> 2.There is one Civil judgment against borrower in favor of xx in the amount of $0.00 which has been recorded xx/xx/2005.<br> 3.There is one Civil judgment against borrower in favor of xx in the amount ofxx which has been recorded xx/xx/2010.<br> 4.There is one Civil judgment against borrower in favor ofxx in the amount of $4,226.19 which has been recorded xx/xx/2010.<br> Current year taxes are due for parcel#xx in the total amount of $7,127.21.<br> The 2018-2019 school annual taxes are delinquent for parcel# xx in the total amount of $3,752.95. | According to the payment history as of xx/xx/2018, the borrower is currently delinquent for 38 months. The last payment was received on xx/xx/2018, the payment applied date was xx/xx/2010 and the next due date for payment is xx/xx/2010. The P&I is in the amount of $851.59 and PITI is in the amount of $1,418.78. The UPB reflected as per the payment history is in the amount of xx.<br> The borrower has been making payments as per the note agreement.<br> Payment history is incomplete, Payment history is missing from the date xx/xx/2018 to xx/xx/2018. | Collections Comments:According to the payment history as of xx/xx/2018, the borrower is currently delinquent for 38 months. The last payment was received on xx/xx/2018, the payment applied date was xx/xx/2010 and the next due date for payment is xx/xx/2010. The P&I is in the amount of $851.59 and PITI is in the amount of $1,418.78. The UPB reflected as per the payment history is in the amount of xx.<br> The borrower has been making payments as per the note agreement.<br> Payment history is incomplete, Payment history is missing from the date xx/xx/2018 to xx/xx/2018.<br> The foreclosure was initiated. The file was referred to an attorney on xx/xx/2011 and the complaint was filed on xx/xx/2017. However, the foreclosure was put on hold as the borrower filed bankruptcy chapter 13 casesxxon xx/xx/2018. No further details have been found.<br> According to the PACER, the borrower had filed bankruptcy under chapter-13 with the case#xxon xx/xx/2018. The POC was filed on xx/xx/2018, the POC amount is xx and the arrearage amount is xx. The debtor shall pay to the trustee xx. The schedule D of Voluntary Petition shows that the amount of claim without deducting the value of the collateral isxx and the value of the collateral is xx; however, the unsecured portion is xx. There is no comment indicating a cramdown.<br>Foreclosure Comments:The foreclosure was initiated. The file was referred to an attorney on xx/xx/2011 and the complaint was filed on xx/xx/2017. However, the foreclosure was put on hold as the borrower filed bankruptcy chapter 13 cases#xx on xx/xx/2018. No further details have been found.<br> Bankruptcy Comments:According to the PACER, the borrower had filed bankruptcy under chapter-13 with the case#xxon xx/xx/2018. The POC was filed on xx/xx/2018, the POC amount is xx and the arrearage amount is xx. The debtor shall pay to the trustee xx. The schedule D of Voluntary Petition shows that the amount of claim without deducting the value of the collateral isxx and the value of the collateral is xx; however, the unsecured portion is xx. There is no comment indicating a cramdown. | Not Applicable | Affiliated Business Disclosure<br> Credit Application<br> Final Truth in Lending Discl.<br> Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Application is missing from the loan file."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "This loan failed the TILA APR test."<br> \* ComplianceEase TILA Test Failed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TILA APR Test: Loan Data:0.000% Comparison Data:7.045% Variance:-7.045%<br> This loan failed the TILA APR test. Final TIL is missing from the loan file hence the APR is updated as 0.00%."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "TIL is missing from the loan file."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial Escrow Account Disclosure is missing from the loan file."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The List of Service Providers is missing from the loan file."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Notice of Servicing Transfer is missing from the loan file."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Affiliated Business Disclosure is missing from the loan file." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  | Not Applicable |  |
| 99296260 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1823.06 | xx | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $648.17 | 8.800% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | 100.000% | 100.000% | Full Documentation | No |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 514 | 504 | 37.961% | First | Final policy | Not Applicable | Not Applicable | 07/01/2012 | $86360.04 | Not Applicable | 5.560% | $514.26 | 08/01/2012 | Financial Hardship | Review of updated title report dated xx/xx/2019 shows the subject mortgage was originated on xx/xx/2006 in favor of MERS as nominee for xx and also was recorded on xx/xx/2006.<br> The chain of assignment is complete. The latest assignment of mortgage is with xx and it was recorded on xx/xx/2017.<br> No active judgments or liens have been found pending.<br> Annual taxes are in the amount of $1,823.06.<br> No prior delinquent taxes have been found pending.  | Provided payment history as of xx/xx/2018, reveals that the loan is performing. The next due date for the payment is xx/xx/2018. The borrower is making regular payments as per loan modification. The last payment of xx/xx/2018 was received on xx/xx/2018 in the amount of $809.16. According to the payment history the current unpaid principal balance is being reflected in the amount of xx. | Collections Comments:Loan is performing. Provided payment history from xx/xx/2016 to xx/xx/2018 reveals that the loan is performing. The next due date for the payment is xx/xx/2018. The borrower is making regular payments as per loan modification. The last payment of xx/xx/2018 was received on xx/xx/2018 in the amount of $809.16. According to the payment history the current unpaid principal balance is being reflected in the amount of xx. <br> According to the servicing comments, the subject property is owner occupied with no visible damages or repairs. It is in average condition. <br> The reason for default of borrower is unemployment or decreased income. The borrower is making regular payments as per loan modification. The loan was modified once since origination. The loan modification was last made effective from xx/xx/2012.<br> The borrower promised to pay the unpaid principal balance of xx with interest rate of 5.560% with P&I of $514.26 with step amortized type and it was beginning from first payment date on xx/xx/2012 and ends with the maturity date of xx/xx/2038. The rate changes in 5 steps ending at 8.060%.<br> No information pertaining to foreclosure has been found in the latest 24 months servicing comments. <br> No information pertaining to bankruptcy has been found in the latest 24 months servicing comments.&nbsp;&nbsp;&nbsp;&nbsp; <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Loan Modification agreement was made between borrowers xxn andxx with xxc on effective date of xx/xx/2012.<br> The borrower promised to pay the unpaid principal balance of $86,360.04 with interest rate of 5.560% with P&I of $514.26 with step amortized type and it was beginning from first payment date on xx/xx/2012 and ends with the maturity date of xx/xx/2038. The rate changes in 5 steps ending at 8.060%.<br>| Document Showing a Index Numerical Value<br> Initial Escrow Acct Disclosure<br> Missing Required State Disclosures | xx | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Initial escrow account disclosure is missing from loan file."<br> \* Missing Required Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "List of service provider document is missing from the loan file."<br> \* Missing Required State Disclosures (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "The subject property is located in state of Illinois. The following state disclosures are missing from the loan file. <br> IL Collateral Protection Insurance Notice<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application"<br> \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Operative index numerical value is unable to determine from the given lenders document." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |
| 77007757 | xx | Full Review | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $240.17 | $6491.47 | xx | xx | Yes | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $1174.79 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | 60.000% | 60.000% | Unavailable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of updated title dated xx/xx/2017, the Subject mortgage was originated on xx/xx/2008 with xx and was recorded on xx/xx/2008. <br> Chain of assignment complete. Currently, the assignment is from xx,XXXX xx, Its xx recorded on xx/xx/2016.<br> There is junior mortgage found in the favor of xx, a xx in the amount of $xx and was recorded on xx/xx/2011.<br> Following judgments are found open against the borrower.<br> First Civil Judgment was open against xx in the favor of xx which was recorded on xx/xx/2013 for the amount $5,348.58.<br> Second Civil Judgment was open against xx in the favor of xx which was recorded on xx/xx/2013 for the amount $3,023.24<br> Third Civil Judgment was open against xx in the favor of xx which was recorded on xx/xx/2014 for the amount $759.47.<br> 2016-2017 first, second, third and fourth combined installment taxes are paid in the total amount of $6031.41.<br> 2016 fourth installment utilities taxes are paid in the amount f $115.<br> 2017 first and second installment utilities are delinquent in the total amount of $240.17 and third installment taxes are due in the amount of $115. | As per the review of the payment history, the borrower is currently delinquent for more than 120 days and next due is for xx/xx/2016. The last payment was received on xx/xx/2017 in the amount of $1,765.67 which was applied to xx/xx/2016. The UPB is reflected in the payment history in the amount of xx. | Collections Comments:The loan is currently in active bankruptcy and next due for xx/xx/2016. The last payment was received on xx/xx/2017 in the amount of $1,765.67 which was applied to xx/xx/2016. The UPB is reflected in the payment history in the amount of xx.<br> The foreclosure is initiated and referred to an attorney on xx/xx/2016. The foreclosure complaint was filed on xx/xx/2014 and service was completed on xx/xx/2015.<br> As per the servicing comment dated xx/xx/2016, the foreclosure is contested. However, the reason for the contesting is unable to determine from the servicing comment. The contested issue is not yet resolved. However, the foreclosure is on hold due to the borrower filed bankruptcy chapter-13 case xx on dated xx/xx/2015. The plan was confirmed on xx/xx/2016. Under confirmed chapter-13 plan debtor was supposed to pay the trustee the amount of $900 for 60 months.<br> The loan has not been modified since the origination.<br> The reason for default is not stated in the collection comments. As per the property inspection report dated xx/xx/2017, the property occupied by an unknown party and is in the good condition. No comments pertaining the damage to the property were observed.<br>Foreclosure Comments:As per the servicing comment dated xx/xx/2016, the foreclosure is initiated and referred to an attorney on xx/xx/2016. The foreclosure complaint was filed on xx/xx/2014 and service was completed on xx/xx/2015.<br> As per the servicing comment dated xx/xx/2016, the foreclosure is contested. However, the reason for the contesting is unable to determine from the servicing comment. The contested issue is not yet resolved. However, the foreclosure is on hold due to the borrower filed bankruptcy chapter-13 case #xx on dated xx/xx/2015.<br>Bankruptcy Comments:Borrower filed bankruptcy chapter-13 case #xx on dated xx/xx/2015. The plan was confirmed on xx/xx/2016. Under confirmed chapter-13 plan debtor was supposed to pay the trustee the amount of $900 for 60 months. | Not Applicable | Credit Application<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3)&nbsp;&nbsp;&nbsp;&nbsp; "Final HUD-1 along with estimated HUD-1 and itemizations is missing in the loan file." | \* Application Missing (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final application is missing in the loan file."<br> \* Final TIL Missing or Not Executed (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Final TIL is missing in the loan files."<br> \* Missing Appraisal (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "Appraisal report is missing in the loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2)&nbsp;&nbsp;&nbsp;&nbsp; "ROR is missing in the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  |  |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan Number 1** | **Review Type** | **Loan Number 2** | **Borrower Last Name** | **Exception ID** | **Client** | **Project** | **Pool** | **Fund** | **Loan Review Status** | **Property State** | **Original Loan Amount** | **Finding Category** | **Finding Sub-Category** | **FindingStatus** | **Finding Grade** | **Finding Description** | **Finding Comment** | **Lender Response** | **Lender Status** |
| 50221095 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 14.79%. The tape shows SE income and employment misrepresentation by the BWR. Further details not provided. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR2 has been SE for 6.5 years at xx, FICO 709, 0X30 since inception, and xx equity in the subject. |  |  |
| 50221095 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 50221095 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect Points loan discount fee. CD dated xx reflects Points loan discount fee at $11,441.00. This is an increase in fee of $11,441.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx and the 1-year SOL is expired. |  |  |
| 50221095 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50221095 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 50221095 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Appraisal report is as is, but the stairs to the second floor and stairs to the basement need to be repainted. The basement toilet and shower are in poor condition. 1004D, or inspection report, is missing from the loan documents. Final CD does not reflect any escrow holdback. |  |  |
| 50221095 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $13,036.00 exceeds fees threshold of $12,064.39 over by +$971.61. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $1,595.00<br> Points - Loan Discount Fee paid by Borrower: $11,441.00<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $13,036.00 Exceeds Fees threshold of $12,064.39 Over by +$971.61. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $1,595.00<br> Points - Loan Discount Fee paid by Borrower: $11,441.00 |  |  |
| 50221095 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed the state regulations for the first lien prohibited fees test.<br> The below fees were included in the test:<br> Attorney Fees paid by Borrower: $1,250.00<br> Title CPL paid by Borrower: $75.00<br> Title Service Fee paid by Borrower: $150.00. |  |  |
| 27113785 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 39.24%. The tape shows the borrower was not employed at closing. Further details were not provided. Borrower defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has been an employee at xx for 4 years, and BWR2 has been an employee at xx for 29 years, with a FICO of 758 and xx equity in the subject. |  |  |
| 27113785 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 27113785 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $7,761.00 exceeds fees threshold of $7,412.94 over by +$348.06. <br>The below fees were included in the test:<br>Points - Loan Discount Fee paid by Borrower: $5,771.00<br> Processing Fee paid by Borrower: $995.00<br> Underwriting Fee paid by Borrower: $995.00 |  |  |
| 27113785 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $7,761.00 exceeds fees threshold of $7,412.94 over by +$348.06. <br>The below fees were included in the test:<br>Points - Loan Discount Fee paid by Borrower: $5,771.00<br> Processing Fee paid by Borrower: $995.00<br> Underwriting Fee paid by Borrower: $995.00 |  |  |
| 31324657 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller's tape shows loan was EPD. BWR made payments and loan is now current. The first payment was due on 4/1/2024. As per the payment history, the loan was 2X30 delinquent. As per the PH as of 8/9/2024, the BWR is current with the loan and the next due date is 8/1/2024, and the current UPB is $238,966.69. |  |  |
| 31324657 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance is missing from the loan documents. |  |  |
| 59426649 | xx | Full Review | xx | xx | fbdf2672-bb78-4d47-8239-175dbfaf8564 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Credit | Active | 3: Curable | \* Final Application Incomplete (Lvl 3) | The final application reflects the BWR2 employer name as xx, and a review of the file shows income documents, and VOE shows a different employer name as xx. |  |  |
| 59426649 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Pennsylvania license validation test. |  |  |
| 59426649 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from the loan documents. |  |  |
| 59426649 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at 49.91%. Tape shows lender did not verify lease on departing residence. Further details were not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 5.08 years on the job as a claims specialist with the Social Security Administration, and BWR2 has 4.58 years on the job as a collision manager with xx, FICO 706, 0X30 since inception, and xx equity in the subject. |  |  |
| 25803003 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.495% exceeds APR threshold of 8.260% over by +0.235%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). <br>Loan fails Qualified Mortgage Safe Harbor Threshold Test APR Calculated 8.470% APR Threshold 8.260% Over By +0.210%. The subject loan is escrowed. |  |  |
| 25803003 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 49.72%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has 17.75 years on the job as an operations assistant at xx at xx, FICO 764, and xx equity in the subject. |  |  |
| 25803003 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 25803003 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed the revised loan estimate delivery date test due to the revised loan estimate delivery date is on the initial closing disclosure delivery date. |  |  |
| 25803003 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the TRID disclosure delivery date validation test due to the revised loan estimate delivery date is on the initial closing disclosure delivery date. |  |  |
| 25803003 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape shows subject is NOO as BWR never occupied the property. Further details were not provided. Elevated for client review. |  |  |
| 85774183 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller's tape shows "loan has 0x30 days performance history since origination". As per the payment history as of 9/27/2024, the borrower is current with the loan and the next due date is 10/1/2024. The UPB is $516,304.61. |  |  |
| 85774183 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 85774183 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 48.34%. The tape shows the BWR2 was not employed prior to closing. Further details are not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 5 months on the job as a truck driver with xx, and BWR has been SE for 2.5 years on his 2nd job at xx. BWR2 has 11 months on the job as a clerk with xx, FICO 745, and xx equity in the subject. |  |  |
| 42563086 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 42563086 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan documents. |  |  |
| 42563086 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 42563086 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 42563086 | xx | Full Review | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the loan documents. |  |  |
| 42563086 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 42563086 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. Zillow search does not show an estimated value. Current UPB xx. |  |  |
| 42563086 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 42563086 | xx | Full Review | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final good faith estimate is missing from the loan documents. |  |  |
| 42563086 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 42563086 | xx | Full Review | xx | xx | 145d6e17-2165-4f5a-8058-8c02e362107f | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) | This loan is from the state MA which has unlimited assignee liability for state high cost and we are unable to test compliance due to missing HUD. |  |  |
| 80392639 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 80392639 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock provided expired on xx and the loan closed on xx. No lock extension found. |  |  |
| 80392639 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 80392639 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 80392639 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects Credit Report Fee at $61.00. Final CD dated xx reflects Credit Report Fee at $262.00. This is an increase in fee of +$201.00 for charges that cannot increase. Subject loan is a purchase, originated on xx, and the 1-year SOL has expired. |  |  |
| 80392639 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows loan was not insurable by FHA due to default noted on CAIVRS for Department of Education loan. Further details not provided. |  |  |
| 80392639 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 54.23%, as the borrower's income is $7,940.14 and total expenses are in the amount of $4,306.27 and the loan was underwritten by LP (Locator#xx_PG#27) and its recommendation is accept with a DTI of 54.23%. |  |  |
| 86419025 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 86419025 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsurable as the closing costs of xx exceed 20% of the appraised value of xx Final CD reflects a gift of equity of $40K to compensate the closing costs of $31,795 on the subject loan. Further details not provided. Zillow search shows an estimated value of xx. Current UPB xx. |  |  |
| 86419025 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 86419025 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 86419025 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect Points - Loan Discount Fee and Appraisal Re-Inspection Fee. CD dated xx reflects Points - Loan Discount Fee at +$231.61 and Appraisal Re-Inspection Fee at +$200.00. This is an increase in fee of $431.61 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx, and the 1-year SOL is active. |  |  |
| 86419025 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | TRID Violation due to decrease in lender credit on Closing Disclosure dated xx. Initial LE dated xx reflects lender credit at $125.00, Revised CD dated xx reflects Lender Credit at $0.00. This is decrease of +$125.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document. The subject loan is a purchase case that originated on xx, and the 1-year SOL is active. |  |  |
| 86419025 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the Pennsylvania license validation test due to the Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be<br> licensed, effective November 5th, 2008. |  |  |
| 67025928 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 67025928 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $17,378.11 exceeds fees threshold of $13,956.68 over by +$3,421.43. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $2,417.75<br> Points - Loan Discount Fee paid by Borrower: $13,070.36<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $1,195.00<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $17,378.11 exceeds fees threshold of $13,956.68 over by +$3,421.43. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $2,417.75<br> Points - Loan Discount Fee paid by Borrower: $13,070.36<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $1,195.00 |  |  |
| 67025928 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape shows property is NOO. Further details not provided. Elevated for client review. |  |  |
| 67025928 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase test. Initial LE dated xx reflects Points - Loan Discount Fee at $10,575.00. Final CD dated xx reflects Points - Loan Discount Fee at $13,070.36. This is an increase of $2,495.36 for charges that cannot increase. Subject loan is a purchase, originated on xx, and the 1-year SOL has expired. |  |  |
| 67025928 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 67025928 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 49.55%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Tape further shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 1 month on the job as a project manager at xx. BWR has prior employment experience as a project manager at xx between 01/01/2022 and 01/31/2023 for 1 year. FICO 786, and xx equity in the subject. |  |  |
| 89235971 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 33.5%. The tape shows income miscalculation. Further details were not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 1 year on the job as a branch manager at xx, FICO 629, and xx equity in the subject.<br>Downgraded to LVL2 because SOL expired on 2/5/2025. |  |  |
| 89235971 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 89235971 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB xx. |  |  |
| 45958159 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 45958159 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows BWR had defaulted on a timeshare loan. A review of the credit report shows back in 2021 that the BWR had defaulted on a timeshare share loan with a remaining balance of $5,458 on June 2021, and UW has considered $272 monthly payment in the DTI calculation. Further details not provided. |  |  |
| 45958159 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 97204794 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The improvement and the photo addendum show damaged drywall beneath the side window in the front bedroom. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 97204794 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 97204794 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows sales price or LTV issue. The subject loan closed with a sales price of xx and LTV of xx. Further details not provided. Zillow search shows an estimated value of xx Current UPB xx. |  |  |
| 97204794 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx reflects cash to in the amount of $XXX. |  |  |
| 19166552 | xx | Full Review | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | \* Note is missing or unexecuted (Lvl 3) | The original note is missing. The lost note affidavit is available in the loan file located at xx loan file Page #895. The tape data shows the issue for the original collateral file has been misplaced, and we have a valid Lost Note Affidavit. |  |  |
| 19166552 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to Fees charged $21,760.51 Exceeds Fees threshold of $13,557.59 Over by +$8,202.92. <br> The below fees were included in the test<br> Administration Fee paid by Borrower: $1,175.00<br> Mortgage Broker Fee (Indirect) $XXX<br> Points - Loan Discount Fee paid by Borrower: $8,405.51<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $21,760.51 Exceeds Fees threshold of $13,557.59 Over by +$8,202.92. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,175.00<br> Mortgage Broker Fee (Indirect) $XXX<br> Points - Loan Discount Fee paid by Borrower: $8,405.51 |  |  |
| 19166552 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | \* Application Missing (Lvl 3) | Final 1003 is missing from the loan file. |  |  |
| 19166552 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 38.50%. The tape shows income misrepresentation as the income docs appear altered. Further details not provided. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 6 years on the job as a manager with xx, FICO 728, 1X30 since inception, and xx equity in the subject." |  |  |
| 33991650 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the condo association does not meet the Fannie/Freddie requirement. A review of the condo questionnaire shows that the condo association has allocated $42K towards the reserve account balance. Further details not provided. Zillow search shows estimated value at xx. Current UPB xx. |  |  |
| 33991650 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed PA license validation test. |  |  |
| 33991650 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows mold at the rear section of the property; the bedroom corner needs repair, and adhesive tile in the kitchen needs to be fixed. 1004D and an inspection report by a licensed professional are missing from the loan documents. The final CD does not reflect any escrow holdback. |  |  |
| 33991650 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 34835937 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at 50%. Tape shows rental income miscalculation. The revised DTI is 80%. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has been SE for 14.58 years at xx., FICO 753, and xx equity in the subject.<br>Downgraded to LVL 2 because occupancy is investment and ATR Exempt. |  |  |
| 34835937 | xx | Full Review | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 97466157 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 97466157 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the loan was repurchased as the subject condo project status is ineligible on FNMA's approved condo project list. Further details not provided. Redfin search shows an estimated value of xx. Current UPB xx. |  |  |
| 77607804 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 77607804 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 46.78%. Tape shows lender did not address income discrepancies. Further details not provided. Lender defect. Subject loan originated on xx, and the 3-year SOL is active. BWR1 has 4.91 years on the job as a home care provider at xx.; BWR2 has 11.33 years on the job as a xx at the xx; FICO 683, 0X30 since inception, and xx equity in the subject.<br>Downgraded to LVL2 based on PH. |  |  |
| 77607804 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $3,993.75 exceeds fees threshold of $3,730.00 over by +$263.75. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,303.75<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $995.00.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $3,993.75 exceeds fees threshold of $3,730.00 over by +$263.75. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,303.75<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $995.00. |  |  |
| 68432185 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 68432185 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 47.48%. The tape shows the lender did not include BWR's spouse debts in the DTI calculation. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 2.91 years on the job as a wireless lead at xx., FICO 729, and 0X30 since inception. |  |  |
| 68432185 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 68432185 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows points and fees of $12K charged on the subject loan exceeded the limit of WHEDA guidelines. Further, tape shows the closing disclosure for the subordinate lien is missing from the loan documents, and the LE issue on the subordinate lien reflects the interest rate of 0%. Review of the file shows CD for the subordinate loan is available in the loan documents. Further details not provided. |  |  |
| 43340293 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.809%, as the borrower's income is $4,390.25 and total expenses are in the amount of $2,186.76 and the loan was underwritten by LP (Locator# xx) and its recommendation is accept with a DTI of 50%. |  |  |
| 43340293 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 43340293 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 6.961% exceeds APR threshold of 6.810% over by +0.151%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 43340293 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing in the loan documents. |  |  |
| 43340293 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated 6.927% exceeds APR threshold of 6.810% over by +0.117%. Subject loan is escrowed. |  |  |
| 43340293 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.81%. Tape shows issues with variable hours, SE income documentation resulting in a DTI miscalculation. Further details were not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 1 year on the job as a customer contact and operations specialist at xx, FICO 742, 0X30 last 24 months and xx equity in the subject. |  |  |
| 43340293 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report shows the subject as-is and appraiser comments, and the photo addendum reflects that the door frame has minor damage from the dog in the amount of xx. The 1004D/completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback. |  |  |
| 91199706 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 43.58%. Tape shows issue with variable income, income documentation and DTI. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 1.91 years on the job as a teacher with xx, FICO 698 and $33K equity in subject.<br>Exception downgraded to level 2 as SOL has expired. |  |  |
| 91199706 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.135% exceeds APR threshold of 6.810% over by +0.325%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 91199706 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 27371279 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.93% as the borrower's income is $12,585.00 and total expenses are in the amount of $6,031.67 and the loan was underwritten by DU Locator xxPg# 678 and its recommendation is Approve/Eligible with a DTI of 47.93%. |  |  |
| 27371279 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 47.93%. Tape shows there BWR had undisclosed debt and SE income was not supported by tax returns. Further details not provided. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has been SE for 3.33 years at xx, FICO 681, and xx equity in the subject. |  |  |
| 27371279 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 2407639 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase, originated on xx and the 1-year SOL has expired. |  |  |
| 2407639 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 48.38%. Tape shows income and debt miscalculation by the lender. The revised DTI is 55.83%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 26.83 years on the job as a truck driver at xx., FICO 690, 2X30 inception in the last 24 months, and xx equity in the subject. |  |  |
| 2407639 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated 6.705% exceeds APR threshold of 6.290% over by +0.415%. Subject loan is escrowed. |  |  |
| 2407639 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects Points - Loan Discount Fee at $3,444.00. CD dated xx reflects Points - Loan Discount Fee at $3,722.81. This is an increase in fee of $278.81 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx and the 1-year SOL has expired. |  |  |
| 2407639 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 6.761% exceeds APR threshold of 6.290% over by +0.471%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 2407639 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.38%, as the borrower's income is $8,671.55 and total expenses are in the amount of $4,195.64 and the loan was underwritten by DU (Locator#xx Page #566) and its recommendation is Approve/Eligible with a DTI of 48.38%. |  |  |
| 2407639 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 65202694 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 65202694 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 48.54%. The tape shows an undisclosed debt. The revised DTI is 69.75%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 6.75 years on the job as a shift manager at xx, FICO 765, 0X30 in last 24 months, xx equity in the subject, and $674 residual income. |  |  |
| 65202694 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of xx. The current UPB is xx. |  |  |
| 12255483 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | TRID total of payment disclosed on final CD as $634,558.10. Calculated total of payments is $653,165.88 for an under disclosed amount of -$18,607.78. The disclosed total of payments of $634,558.10 is not considered accurate because it is understated by more than $100.<br>This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 12255483 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock provided expired on xx and the loan closed on xx. No lock extension found. |  |  |
| 12255483 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $11,222.60 exceeds fees threshold of $7,879.83 over by +$3,342.77. The below fees were included in the test: Document Preparation Fee paid by Borrower: $350.00<br> Mortgage Insurance Premium $8,247.60<br> Points - Loan Discount Fee paid by Borrower: $1,235.00<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $695.00 Loan fails qualified mortgage lending policy points and fees test due to fees charged $11,222.60 exceeds fees threshold of $7,879.83 over by +$3,342.77. The below fees were included in the test: Document Preparation Fee paid by Borrower: $350.00<br> Mortgage Insurance Premium $8,247.60<br> Points - Loan Discount Fee paid by Borrower: $1,235.00<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $695.00 |  |  |
| 12255483 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $371,337.80. Calculated finance charge is $374,090.68 for an under disclosed amount of -$2,752.88. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br>Loan failed TILA APR test due to calculated APR 7.471% exceeds APR threshold of 7.068% over by +0.403%. Subject loan is purchase case, originated on 09/04/2024 and 1-year SOL is active. |  |  |
| 12255483 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the loan fails the QM points and fees test and is not salable to investors. Infinity compliance result shows that the loan failed the QM points and fees test. Further details not provided. |  |  |
| 33849650 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject was approved at 37.21%. The tape shows rental income miscalculation by the lender and the revised DTI is 45%. BWR has been SE for 3.83 years at XXX, FICO 748, xx equity in the subject and $18,312.83 residual income. |  |  |
| 33849650 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22581063 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the borrower was delinquent with the loan. Later, the borrower is current with the loan after the loan was modified in Jan 2024. The deferred balance of $47,090.41 (included in current balance). According to the payment history as of 10/16/2024, the borrower is current with the loan and the next due date is 11/1/2024. PH shows current UPB including the deferred balance with the amount of xx. The loan was modified on xx. |  |  |
| 22581063 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test due to calculate finance charge of $256,622.37 exceeds disclosed finance charge of $257,119.37 over by -$497.00.<br>Loan failed TILA foreclosure rescission finance charge test due to calculate finance charge of $256,622.37 exceeds disclosed finance charge of $257,084.37 over by -$462.00.<br>The subject loan is a refinance, originated on xx.<br>Exception downgraded. SOL has expired. |  |  |
| 22581063 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46215225 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46215225 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 44%. Tape shows supplemental summer teaching income was not verified and the revised DTI is 56.99%. <br> Further details are not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 8 months on the job as an associate professor at xx, and BWR has 10.33 years on the second job as a scoring assistant professor with xx. BWR has been SE (consultant) for 5.41 years. FICO 685, 1X30 since inception, and xx equity in the subject.<br>Downgraded to LVL2 based on PH. |  |  |
| 96207443 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the tape issue the loan was reinstated through a loan modification. The loan was modified on xx. |  |  |
| 96207443 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 44.62%. Tape shows rental income miscalculation as the supporting documents of departure REO property are missing from the loan documents. The revised DTI is 63.08%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 21.16 years on the job as a super criminal investigator at xx, FICO 705, xx equity in the subject, and $3,482 residual income. |  |  |
| 99443005 | xx | Full Review | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx. Notary's signature date on the Deed of Trust is xx. Note date is xx. |  |  |
| 99443005 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.433% exceeds APR threshold of 8.990% over by +0.443%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 99443005 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.95%. Tape shows income miscalculation due to fluctuating earnings of BWR in 2022. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 7.08 years on the job as an x-ray technician at xx. BWR2 has 4 months on the job as a driver at xx. BWR3 receives SSI and retirement income, FICO 694, 0X30 since inception, and xx equity in the subject. |  |  |
| 52390121 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx reflects cash to in the amount of $XXX. |  |  |
| 52390121 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is affixed. As per the appraisal report located at "xx Pg#187," the subject property is a manufactured home. The manufactured home rider, located at "Ln#xx Pg#24, and the affidavit of affixation, located at Ln#xx Pg#26, show that the home is affixed with the serial # xx. |  |  |
| 52390121 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from the loan documents. |  |  |
| 52390121 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject property is manufactured. Tape shows that the subject loan was submitted with DU considering the property type as SFR. DU submitted with property type manufactured shows recommendation refer with caution. Later, LP was submitted after the note date with property type as manufactured. LP was not submitted at closing with property type manufactured. Further details were not provided. |  |  |
| 70291779 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 42.37%. The tape shows the BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 11.41 years on the job as a line lead with xx. BWR has 4.75 years on the second job as a caregiver with xx, FICO 788, and xx equity in the subject. |  |  |
| 70291779 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report was subject to completion of repairs. 1004D report available showing repairs are completed, with exception of the following items: final grade/sod, landscaping, and gutter conductors. Estimated cost of repairs is $2,003. Updated 1004D is missing from the loan documents. Final CD does not reflect escrow holdback. |  |  |
| 70291779 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 70291779 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 84944536 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 84944536 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows seller contribution exceeded guideline limit. The LTV is xx. FCD reflects a seller credit of $10,000.00 and the sales price of xx. IPC goes to 3.39%, which exceeds the conventional IPC limit of 3%. |  |  |
| 58429763 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 46.37%. Tape shows lender calculated income with a 7 month average and the revised DTI is 49%. Further details were not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 9 months on the job as a social worker at xx. BWR was a student and has no prior employment details, FICO 676, 0X30 since inception and xx equity in the subject.<br>Downgraded to LVL2 based on PH. |  |  |
| 58429763 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.607% exceeds APR threshold of 8.270% over by +0.337%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 15768167 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows subject loan is not insured, and the credit report has expired prior to closing. Further details not provided. |  |  |
| 15768167 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 15768167 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 15768167 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed compliance ease delivery and timing test for initial loan estimate dated xx and electronically signed on xx of which is greater than 3 days from the initial application date xx. Unable to determine delivery date due to missing document tracker. TRID is failing for timing of initial LE. |  |  |
| 15768167 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 15768167 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx delivered on xx which is more than 3 business days from initial application date xx.<br> Subject loan is a refinance case, originated on xx and the SOL is 3 years. |  |  |
| 97555270 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | Subject is purchase case. Final CD reflects cash to in the amount of $XXX. |  |  |
| 97555270 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape shows Performing loan currently. Previously an NPL that was due for 10/1/23. Borrower received HHF funds twice to get current, most recent HHF funds received on 7/29/24, not insured. Borrower had a trial mod and failed to make payments as they opted for HHF funds. The collection comment dated 06/13/2024 and 07/25/2024 shows the HHF funds were received in the amount of $36,090.78 and $21,654.06. According to the payment history as of 09/30/2024, the borrower is current with the loan, and the next due date is 03/01/2025. The current unpaid principal balance is xx. |  |  |
| 97555270 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Doc Issue | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 97555270 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to Initial LE is missing from loan documents. |  |  |
| 97555270 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed TILA finance charge as the calculated finance charge of $686,296.79 exceeds the disclosed finance charge of $682,037.72 over by $4,529.07. <br>The loan failed the TRID total of payments test as the calculated total of payments is $1,119,313.43 exceeds the disclosed total of payments of $1,114,792.58 over by $4,520.85.<br>The subject loan originated on xx is a purchase transaction, and the 1-year TRID/TILA SOL has expired. |  |  |
| 97555270 | xx | Full Review | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx. Notary's signature date on the Mortgage/Deed of Trust is xx. Note date is xx. |  |  |
| 97555270 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 97555270 | xx | Full Review | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial loan estimate is missing from the loan documents. |  |  |
| 97555270 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 37.05%. Tape shows the BWR was not employed at the time of closing. Further details not provided. Revised DTI is 47.449%. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 2.4 years on the job as a lift operator with xx, FICO 753, and $22K equity in the subject. |  |  |
| 24819760 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 24819760 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 39.33%. Tape shows BWR2 was not employed at closing. Revised DTI is 99.43%. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL is active. BWR1 has been SE for 2.5 years at xx and xx; BWR2 has 3 months on the job as a sales manager with xx, FICO 747, 0X30 since inception, and xx equity in the subject. |  |  |
| 8998069 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.19%, the borrower income is $4,939.39 and total expenses are in the amount of $2,182.98 and the loan was underwritten by LP (Locator# xx_Pg#200) and its recommendation is Accept with a DT of 44.00%. |  |  |
| 8998069 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8998069 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Subject loan is Loan failed Qualified Mortgage Lending Policy points and fees test due to Fees charged $7,376.00 exceeds fees threshold of $5,492.85 over by +$1,883.15.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $683.00<br> Points - Loan Discount Fee paid by Borrower: $6,619.00<br> Tax Service Fee paid by Borrower: $74.00. |  |  |
| 8998069 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount point test, as the loan is a first lien mortgage and has a principal amount greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 8998069 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 44.20%. Tape shows income miscalculation. Revised DTI is 65.50%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 2 months on the job as an IT support technician with Excell Corporation, FICO 747, xx equity in the subject, and $1,149 residual income. |  |  |
| 8998069 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $7,376.00 exceeds fees threshold of $5,492.85 over by +$1,883.15.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $683.00<br> Points - Loan Discount Fee paid by Borrower: $6,619.00<br> Tax Service Fee paid by Borrower: $74.00. |  |  |
| 61736947 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 61736947 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 41.731%. Tape shows post closing BWR notified lender of out of state transfer and subject is REO. Further details not provided. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 14.25 years on the job as a commanding officer at the xx, FICO 816, 0X30 since inception and xx equity in the subject. |  |  |
| 61736947 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject loan was approved as OO. Post closing BWR was transferred out of state and subject is NOO. Further details not provided. Elevated for client review. |  |  |
| 61736947 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows subject closed with an LTV of xx and a maximum allowable of 75%. Further details not provided. |  |  |
| 36652369 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 36652369 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from the loan documents. |  |  |
| 36652369 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance certificate is missing from the loan documents. |  |  |
| 36652369 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 36.78%. Tape shows the lender did not document IRA statement to confirm 3-year continuance of retirement income of BWR1 used for qualification. Lender defect. The subject loan originated on xx, and the 3-year SOL is expired. BWR1 receives SSI and retirement income. BWR2 receives SSI income, FICO 714, and xx equity in the subject. |  |  |
| 36652369 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects Points - Loan Discount Fee at $2,473.00 CD dated xx reflects Points - Loan Discount Fee at $3,400.01. This is an increase in fee of $927.01 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a refinance, originated on xx and the 3-year SOL is expired. |  |  |
| 6537761 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 44.83%. Tape shows BWR was not employed. Revised DTI is 130.60%. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR1 has 4 months on the job as a CDL driver with xx; BWR2 has 2 years on the job as a teacher with xx. FICO 768, and xx equity in the subject. |  |  |
| 6537761 | xx | Full Review | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents.Post-close 1008 is located at xx in the loan file. |  |  |
| 6537761 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))<br>Finance charge disclosed on Final CD as $412,746.29. Calculated finance charge is $412,867.34 for an under disclosed amount of -$121.05. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing.<br>Exception downgraded. SOL has expired. |  |  |
| 6537761 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 92517580 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 92517580 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the state regulations prohibited fees test due to the below fees were included in the test:<br> Title Examination Fee paid by Borrower: $185.00<br> Title Document Preparation Fee paid by Borrower: $25.00<br> Title Insurance paid by Borrower: $140.00<br> Title Courier Fee paid by Borrower: $25.00.<br>This loan failed the prepayment term test due to the loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. |  |  |
| 92517580 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is not signed by the borrower. |  |  |
| 81662071 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $15,193.00 exceeds fees threshold of $14,329.38 Over by +$863.62. <br> The below fees were included in the test:<br>Mortgage Broker Fee paid by Borrower: $XXX<br> Points - Loan Discount Fee paid by Borrower: $1,238.00<br> Processing Fee paid by Borrower: $750.00<br> Tax Service Fee paid by Borrower: $75.00<br> Underwriting Fee paid by Borrower: $750.00<br>This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))<br> Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.<br> While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain<br> conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional<br> conditions are met.<br>Loan data is 5.957% and comparison data is 4.770%. The variance is +1.187%.<br>Loan failed Qualified Mortgage APR Threshold Test due to APR calculated 5.941% exceeds APR threshold of 5.070% over by +0.871%. |  |  |
| 81662071 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.957% exceeds APR threshold of 4.320% over by +1.637. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.941% exceeds APR threshold of 4.320% Over By +1.621%. Subject loan is escrowed. |  |  |
| 81662071 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from loan documents. |  |  |
| 81662071 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $15,193.00 exceeds fees threshold of $14,329.38 Over by +$863.62. <br> The below fees were included in the test:<br>Mortgage Broker Fee paid by Borrower: $XXX<br> Points - Loan Discount Fee paid by Borrower: $1,238.00<br> Processing Fee paid by Borrower: $750.00<br> Tax Service Fee paid by Borrower: $75.00<br> Underwriting Fee paid by Borrower: $750.00 |  |  |
| 81662071 | xx | Full Review | xx | xx | 71239452-aaa1-4e46-b720-ccd30cd0d500 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | AUS | Active | 3: Curable | \* The property type does not match the Appraisal Report (Lvl 3) | As per the appraisal report dated xx, the subject property type is single family, and the appraised value is xx. The property tax assessment attached to the UT reflects land value and improvement value as $0.00. |  |  |
| 81662071 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape indicates that the property is NOO. Further details were not provided. Elevated for client review. |  |  |
| 31129508 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | Credit report is missing from the loan file. |  |  |
| 17938942 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 17938942 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by loan originator is missing from the loan documents. |  |  |
| 17938942 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 17938942 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 45.036%, as the borrower's income was $20,252.20 and total expenses were in the amount of $9,246.79. Subject loan closed with manual UW. Subject loan originated on xx, and the 3-year SOL is expired. |  |  |
| 17938942 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx does not reflect Points - Loan Discount Fee. Final CD dated xx reflects Points - Loan Discount Fee at $7,750.00. This is an increase fee in the amount of +$7,750.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx, and the 1-year SOL is expired. |  |  |
| 17938942 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations |  |  |
| 17938942 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 11804953 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.782% exceeds APR threshold of 4.320% over by +1.462%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 11804953 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 11804953 | xx | Full Review | xx | xx | 5cb32bc6-6817-40b3-bf5e-122771c92d82 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Required Documentation Missing or Incomplete (Lvl 2) | Home loan toolkit is missing from loan documents. |  |  |
| 11804953 | xx | Full Review | xx | xx | fbdf2672-bb78-4d47-8239-175dbfaf8564 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Final Application Incomplete (Lvl 2) | LO's signature on final 1003 is missing from the loan file. |  |  |
| 3787740 | xx | Full Review | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL was not hand dated by the borrower. |  |  |
| 3787740 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 3787740 | xx | Full Review | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| 3787740 | xx | Full Review | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR was not hand dated by the borrower. |  |  |
| 37630697 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 37630697 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prepayment term test The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. |  |  |
| 37630697 | xx | Full Review | xx | xx | 947c9bc1-4551-4c18-8ba6-065e2ae0e805 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Note has LIBOR Index with Replacement Clause (Lvl 2) | Note states, If the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice. |  |  |
| 71330845 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan documents. |  |  |
| 71330845 | xx | Full Review | xx | xx | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL signed by the borrower is missing from the loan documents. |  |  |
| 71330845 | xx | Full Review | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL not hand dated by the borrower. |  |  |
| 39951703 | xx | Full Review | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by borrower. |  |  |
| 39951703 | xx | Full Review | xx | xx | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by the borrower. |  |  |
| 39951703 | xx | Full Review | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from loan file. |  |  |
| 39951703 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final TIL as $162,366.33. Calculated finance charge is $213,345.53 for an under disclosed amount of -$50,979.20. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $162,366.33. Calculated finance charge is $213,310.53 for an under disclosed amount of -$50,944.20. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>Loan failed TILA APR test due to APR calculated 7.754% exceeds APR threshold of 9.193% over by -1.439%. |  |  |
| 10474012 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final TIL as $151,644.65. Calculated finance charge is $200,586.14 for an under disclosed amount of -$48,941.49. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $151,644.65. Calculated finance charge is $200,551.14 for an under disclosed amount of -$48,906.49. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>Loan failed TILA APR test due to APR calculated 7.657% exceeds APR threshold 9.123% under disclosed by -1.466%. |  |  |
| 10474012 | xx | Full Review | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by borrower. |  |  |
| 10474012 | xx | Full Review | xx | xx | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by borrower. |  |  |
| 10474012 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 10474012 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application signed by the borrower is missing from the loan documents |  |  |
| 77429620 | xx | Full Review | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment penalty rider is missing from the loan file. |  |  |
| 77429620 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 77429620 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final TIL as $50,658.00. Calculated finance charge is $61,447.77 for an under disclosed amount of -$10,789.77. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $50,658.00. Calculated finance charge is $61,412.77 for an under disclosed amount of -$10,754.77. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. <br>Loan failed TILA APR test due to APR calculated 11.319% exceeds APR threshold 12.674% under disclosed by -1.355%. |  |  |
| 83977130 | xx | Full Review | xx | xx | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | Borrower not hand signed final TIL. |  |  |
| 83977130 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final 1003 is missing from the loan file. |  |  |
| 83977130 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 83977130 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test due to finance charge disclosed on final TIL as $79,437.01. Calculated finance charge is $101,823.31 for an under disclosed amount of --$22,386.30.<br>Loan failed TILA APR test due to APR calculated 10.446% exceeds APR threshold of 11.916% over by -1.470%. |  |  |
| 83977130 | xx | Full Review | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL is not hand dated by the borrower. |  |  |
| 19724366 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Pre-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Indiana license validation test. |  |  |
| 19724366 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 19724366 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA foreclosure rescission finance charge test due to finance charge disclosed on Final TIL as $102,344.73. Calculated finance charge is $102,346.07 for an under disclosed amount of <br> -$1.34. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. |  |  |
| 43989345 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the interest rate test due to the loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. |  |  |
| 43989345 | xx | Full Review | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand-dated by the borrower. |  |  |
| 43989345 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 43989345 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows missing OG ends and no known signer. Further details not provided. |  |  |
| 44905089 | xx | Full Review | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by the borrower. |  |  |
| 44905089 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan documents. |  |  |
| 44905089 | xx | Full Review | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated. |  |  |
| 83394159 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 40.90%. Tape shows assets were not properly documented. Bank statement in the file shows $44,359 in assets, and the cash-to-close requirement is xx. Large deposit of $46,575 was not sourced. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 1 month on the job as a customer service representative at xx and receives child support and alimony income, FICO 782, and xx equity in the subject.<br>Downgraded to LVL2 based on PH. |  |  |
| 83394159 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report reflects the as-is conditions. The photos addendum shows the basement room needs to be repainted. Estimated cost to cure is not available in the loan file. The updated 1004D/Completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 47632888 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Tape and review of the loan documents show intent to proceed is missing from the loan documents. Further details not provided. |  |  |
| 47632888 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 47632888 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application signed by loan originator is missing from the loan documents. |  |  |
| 47632888 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflect Transfer Taxes fee at $5,301.00. FCD dated xx reflects Transfer Taxes fee at $5,656.95. This is an increase in fee of +$355.95 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx and the SOL is 1 year. |  |  |
| 47632888 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 82543083 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 10.374% exceeding the APR threshold of 9.620% by +0.754%. This loan is compliant with regulations 1026.35(b), (c), and (d). Subject loan is escrowed. |  |  |
| 82543083 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject approved as OO at 40.86%. Review shows the lender miscalculated business deposits and excluded debt without supporting documents. Revised DTI is 76.76%. The subject loan originated on xx, and the 3-year SOL is active. BWR is SE as the General Manager/Owner of xx for 8 years. Equity xx, 719 FICO and $4,134 residual income. |  |  |
| 82543083 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance document is missing from the loan file. |  |  |
| 59179749 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | This loan failed the loan term test as the loan term exceeds 30 years. |  |  |
| 59179749 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 59179749 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.881% exceeds APR threshold of 7.750% over by +3.131%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed the MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test due to an APR calculated at 10.881% exceeds APR threshold of 7.750% over by +3.131%. |  |  |
| 98087022 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.893% exceeds APR threshold of 8.520% over by +2.373%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 98087022 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents |  |  |
| 27242715 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at 42.658%. The tape shows stability of BWR's income was not established, and the revised DTI is 60%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 7 months on the job as a registered nurse at xx. BWR2 has 5.66 years on the job as a website user experience specialist at xx, FICO 694, 0X30 since inspection, xx equity in the subject and $3,638 residual income. |  |  |
| 27242715 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report reflects as-is conditions. The photo addendum of the property shows defective paint on the exterior side of the basement window. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 80699508 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 41.09%. The tape shows stability of BWR's income was not established. BWR defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 2 months on the job as a service technician at xx, FICO 789, and xx equity in the subject. |  |  |
| 80699508 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 80699508 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 80699508 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Pennsylvania license validation test. The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed,<br> effective November 5th, 2008. |  |  |
| 82753703 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TRID total of payment disclosed on final CD as $277,032.10. Calculated total of payments is $277,886.10 for an under disclosed amount of -$854.00. The disclosed total of payments of $402,759.40 is not considered accurate because it is understated by more than $100. Subject loan is purchase case, originated on xx and the 1-year SOL is expired. |  |  |
| 82753703 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 40.29%. Tape shows miscalculation of income. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is expired. BWR has 14.16 years on the job as a plumber apprentice at xx, FICO 689, and xx equity in the subject. |  |  |
| 99950993 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | Home is affixed. As per the appraisal report located at "xxpdf," the subject property is a manufactured home. The manufactured home rider, located at "Ln#xx Pg#29, and the affidavit of affixation, located at Ln#xx Pg#32, show that the home is affixed and the serial # is xx. The TPOL schedule B shows an exception for the notice and certificate of occupancy for mobile home installation on a foundation system recorded on xx as instrument #xx. |  |  |
| 99950993 | xx | Full Review | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Transmittal summary is missing from the loan documents. |  |  |
| 51694012 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | Home is affixed. As per the appraisal and updated title report, the subject property is a manufactured home. The affidavit of affixation rider located at "LN#xx PG#32" shows Serial #xx. The short form policy located at "XXX" shows an exception for the affidavit of affixation, which was recorded on xx. |  |  |
| 51694012 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape shows tie-down straps are looped loosely around the home frame, and the loops are crimp sealed rather than being attached to the top or bottom flange of the frame I-beams with frame clips. Need to detach the straps from the ground anchors and reattach the tie-down straps to the outside frame I-beams with frame clips. Further details not provided. |  |  |
| 69239139 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect trust review fee. CD dated xx reflects trust review fee at $95.00. This is an increase in fee of +$95.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case that originated on xx, and the 1-year SOL is active. |  |  |
| 69239139 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.97%. Tape shows miscalculation of BWR's SE income and PITI of the subject property. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 18 years with xx, FICO 679, and xx equity in the subject. |  |  |
| 69239139 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 69239139 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93660730 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | The credit report is missing from the loan documents. |  |  |
| 93660730 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Finance charge disclosed on final CD as $1,615,391.13. Calculated finance charge is $1,615,495.63 for an under disclosed amount of $104.50. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx and the SOL is 1 year. |  |  |
| 93660730 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | The tape shows the investor is unable to reallocate the subject loan to another investor given asset reserve requirements and FICO is less than 700. Bank statements in the file show $36K and gift assets of $232K supported by a gift letter satisfy the cash-to-close requirement of xx and reserves required of $42K. Further details not provided. BWR has been SE for 4.83 years at XXX, FICO 692 and xx equity in the subject. |  |  |
| 93660730 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 42%. Tape shows BWR SE income is from xx. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 4.83 years at xx, FICO 700, and xx equity in the subject. |  |  |
| 93660730 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final CD dated xx reflects cash to in the amount of $XXXX. |  |  |
| 93660730 | xx | Full Review | xx | xx | 64b4e88c-ac9f-44af-bd44-81df53d25df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Closing_Disclosure violations (Lvl 3) | Final CD is not hand-dated by the borrower. |  |  |
| 58990040 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final CD reflects cash to in the amount of $XXX. |  |  |
| 58990040 | xx | Full Review | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | Final CD reflects closing date as xx. Notary's signature date on the mortgage/deed of trust is xx. Note date is xx. |  |  |
| 58990040 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | Compliance ease TRID tolerance test is incomplete due to initial closing disclosure is missing from loan documents. Subject loan is purchase case, originated on xx and the SOL is 1 year. |  |  |
| 58990040 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from loan documents. |  |  |
| 58990040 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 58990040 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the investor rejected the loan due to the borrower executing the title company CD at closing that reflected $0 for total payments, finance charge, amount financed, APR, and TIP, and the borrower executed the correct seller CD after 7 days of closing. Further details not provided. |  |  |
| 88704636 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects points - loan discount fee at $11,163.00. CD dated xx reflects points - loan discount fee at $14,640.50. This is an increase in fee of +$3,477.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx and the 1-year SOL is active. |  |  |
| 88704636 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 88704636 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.30%. Tape shows rental income used for qualification is not supported by prior history of property ownership. Revised DTI is 56%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 2.16 years on the job as a kitchen operator with xx. BWR2 receives SSI income. BWR3 has 2.25 years on the job as a kitchen operator with xx. BWR4 has 4 months on the job as an administrative assistant with xx, FICO 670, 0X30 since inception, xx equity in the subject, and $4,613 residual income. |  |  |
| 88704636 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage lending policy points and fees test due to fees charged $15,935.50 exceeds fees threshold of $12,057.99 over by +$3,877.51. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,295.00<br> Points - Loan Discount Fee paid by Borrower: $14,640.50 |  |  |
| 88704636 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The appraisal report is as is, and the subject property building is already built up. Review of Redfin shows land only with an estimated value of $147K. Current UPB xx. |  |  |
| 88704636 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $15,935.50 exceeds fees threshold of $12,057.99 over by +$3,877.51. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,295.00<br> Points - Loan Discount Fee paid by Borrower: $14,640.50 |  |  |
| 88704636 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 71082710 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan documents. |  |  |
| 71082710 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete as the initial CD is missing from the loan documents. The subject loan is a purchase case, originated on xx, and the 1-year SOL is active. |  |  |
| 71082710 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 43.69%. Tape shows lender did not exclude a $3K per month marital settlement and the revised DTI is 75.765%. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 2.41 years on the job as a transportation security officer at xx and receives a pension, FICO 779, xx equity in the subject, and $2,422 residual income. |  |  |
| 71082710 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The revised CD dated xx is missing from the loan documents. |  |  |
| 53363047 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 47.73%. The tape shows BWR1 was not employed prior to closing, and the revised DTI is 113%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 1.58 years on the job as a teacher at xx, and BWR2 has 2.83 years on the job as a CPA controller at xx, FICO 731, 0X30 since inception and xx equity in the subject. |  |  |
| 53363047 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 53363047 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final CD as $716,362.25. Calculated finance charge is $717,057.00 for an under disclosed amount of -$694.75. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is purchase case, originated on xx and the SOL is 1 year.<br>Subject loan is a purchase, originated on xx and the 1-year SOL has expired. |  |  |
| 28389387 | xx | Full Review | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing at the time of closing. Post-closure is available at xx_File pg#11. |  |  |
| 28389387 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows source of large deposit could not be verified and the the verified funds are short to close. Review of bank statements in file shows $102,815 with a large deposit of $101K from the sale of REO satisfying the cash to close requirement of xx. Further details not provided. |  |  |
| 98773672 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 98773672 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows appraisal report used on the subject loan was transferred from different BWR, and the loan product was changed from FHA to conventional. Appraisal report is as is with an appraised value of xx. Zillow search shows an estimated value of xx. Current UPB is xx. Further details not provided. |  |  |
| 19905377 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx does not reflect points - loan discount fee. Final CD dated xx reflects points - loan discount fee at $15,517.81. This is an increase in fee of +$15,517.81 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL is expired. |  |  |
| 19905377 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed qualified mortgage lending policy points and fees test due to fees charged $17,507.81 exceeds fees threshold of $15,629.93 over by +$1,877.88. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $995.00<br> Points - Loan Discount Fee paid by Borrower: $15,517.81<br> Processing Fee paid by Borrower: $995.00. |  |  |
| 19905377 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $17,507.81 exceeds fees threshold of $15,629.93 over by +$1,877.88. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $995.00<br> Points - Loan Discount Fee paid by Borrower: $15,517.81<br> Processing Fee paid by Borrower: $995.00. |  |  |
| 19905377 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 19905377 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan failed the QM points and fees test. Further details not provided. Infinity compliance result shows the loan failed QM points and fees test. |  |  |
| 19905377 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 40017386 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal of the subject property is as is, and the photo addendum shows signs of a leak on the 2nd-floor ceiling. 1004D or inspection report by a licensed professional is missing from the loan documents. |  |  |
| 40017386 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.78%. Tape shows the documentation supporting rental income was not documented by the lender. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 5.33 years at xx, FICO 662, and xx equity in the subject. |  |  |
| 40017386 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects Transfer Taxes at $1,392.00. CD dated xx reflects Transfer Taxes at $1,594.00. This is an increase in fee of +$202.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx and the 1-year SOL is expired. |  |  |
| 40017386 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 40017386 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement is missing from the loan documents. |  |  |
| 68807844 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | The tape shows the subject property is ineligible, and the subject condo project is involved in litigation. Further details not provided. Elevated for client review. |  |  |
| 68807844 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 68807844 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test due to finance charge disclosed on final CD as $178,375.12. Calculated finance charge is $178,834.67 for an under disclosed amount of -$459.55. Reason for finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase, originated on xx and the 1-year SOL is expired. |  |  |
| 2418852 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows HPML loan with no escrows. Infinity CE report shows loan failed HPML test, and the subject loan is not escrowed. |  |  |
| 2418852 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated 8.053% exceeds APR threshold of 7.650% over by +0.403%. Subject loan is not escrowed. |  |  |
| 2418852 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2418852 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* Higher-Priced Mortgage Loan test Fail (Lvl 4) | Loan failed the HPML test due to an APR calculated at 8.053% exceeding the APR threshold of 7.650% over 0.403%, and the subject loan is not escrowed. Subject loan originated on xx and the 1-year affirmative defense period is open.<br>Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.074% exceeds APR threshold of 7.650% by 0.424%. The subject loan is not escrowed. |  |  |
| 86976110 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect lock extension fee. Final CD dated xx reflects lock extension fee at $96.87. This is an increase in fee of $96.87 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL is expired. |  |  |
| 86976110 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 45.48%. Tape shows rental income miscalculation due to insufficient evidence of receipt of rental income. Further details not provided. Lender defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has 29.33 years on the job as a crane operator with xx, FICO 600, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 86976110 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 86976110 | xx | Full Review | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS from the time of closing is missing from the loan documents. Post-closure LP is available at xx.pdf pg#756. |  |  |
| 99103814 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 48.19%. The tape shows borrower income decreased due to the COVID pandemic. Further details not provided. Lender defect. Subject originated xx, and the 3-year SOL is active. BWR has been SE for 3.75 years at xx, FICO 738, 1X30 inception, and xx equity in the subject. |  |  |
| 99103814 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed Compliance Ease delivery and timing test for Initial Closing Disclosure dated xx. Document tracker is missing and 3 business days were added to get receipt date xx which is less than 3 business days from the consummation date 8/18/2022. |  |  |
| 99103814 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of loan file shows subject is a second home. BWR's income dropped during the COVID pandemic. Further details not provided. |  |  |
| 48643502 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 84503027 | xx | Full Review | xx | xx | e771f51b-ccfc-4035-9f6b-a3288820555c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Mortgage missing / unexecuted (Lvl 4) | The subject mortgage was originated as second lien which was recorded on xx. The borrower xx signed the deed of trust as trustors not as a borrower. |  |  |
| 84503027 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 84503027 | xx | Full Review | xx | xx | d4754c69-175b-4016-ad01-2af377fb480c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing HELOC Disclosures (RESPA) (Lvl 2) | HELOC disclosures are missing from the loan file. |  |  |
| 84503027 | xx | Full Review | xx | xx | 7efbe0ea-64cc-40ba-8e1d-bfe81b22bfa4 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage Riders incomplete / inaccurate (Lvl 2) | Mortgage riders incomplete / inaccurate. |  |  |
| 84503027 | xx | Full Review | xx | xx | 84c89ff6-f288-4cec-987b-ea9e4c6be28d | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage - Missing required ARM Rider (Lvl 2) | ARM rider is missing from the loan file. |  |  |
| 78182473 | xx | Full Review | xx | xx | 84c89ff6-f288-4cec-987b-ea9e4c6be28d | xx | xx | xx | Pre-QM | QC Complete | South Carolina | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage - Missing required ARM Rider (Lvl 2) | ARM rider is missing from the loan document. |  |  |
| 78182473 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | Pre-QM | QC Complete | South Carolina | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) | As per the appraisal report, which is located at "xx," the subject property type is manufactured home. The final title policy is missing from the loan file. The legal description attached to the subject mortgage does not show the VIN or serial number. The affidavit of affixation is not available to confirm whether the mobile home is affixed to a permanent foundation. |  |  |
| 65103796 | xx | Full Review | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Pre-QM | QC Complete | Hawaii | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from loan file. |  |  |
| 65103796 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | Pre-QM | QC Complete | Hawaii | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final HUD-1 dated xx reflects cash to in the amount of $XXX. |  |  |
| 50000137 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $567,925.78. Calculated finance charge is $568,246.25 for an under disclosed amount of -$320.47. Reason for finance charge under disclosure is unknown as the fee itemization is missing. |  |  |
| 50000137 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final HUD-1 reflects cash to in the amount of $XXX. |  |  |
| 50000137 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 50000137 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $0.00 exceeds the per diem interest charge or credit threshold $-342.47. |  |  |
| 50000137 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 9054551 | xx | Full Review | xx | xx | ef877a96-91e3-4c2c-91da-686433b17da5 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Borrower Billing Rights (RESPA) (Lvl 3) | Borrower billing rights is missing from the loan file. |  |  |
| 9054551 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 9054551 | xx | Full Review | xx | xx | d4754c69-175b-4016-ad01-2af377fb480c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing HELOC Disclosures (RESPA) (Lvl 3) | HELOC disclosure is missing from the loan file. |  |  |
| 9054551 | xx | Full Review | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The note is missing from the loan file. The lost note affidavit was not found in the loan file. The loan has not been modified since origination. |  |  |
| 9054551 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB xx. |  |  |
| 79954568 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 79954568 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan file. |  |  |
| 37489065 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 37489065 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 37489065 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 29215770 | xx | Full Review | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. |  |  |
| 29215770 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 30094426 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test. |  |  |
| 30094426 | xx | Full Review | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR transaction date not consistent with note and/or HUD. |  |  |
| 30094426 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 70779114 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final truth in lending is missing from the loan documents. |  |  |
| 70779114 | xx | Full Review | xx | xx | ef877a96-91e3-4c2c-91da-686433b17da5 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Borrower Billing Rights (RESPA) (Lvl 2) | Borrower billing rights (RESPA) are missing from the loan documents. |  |  |
| 70779114 | xx | Full Review | xx | xx | d4754c69-175b-4016-ad01-2af377fb480c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing HELOC Disclosures (RESPA) (Lvl 2) | HELOC disclosure (RESPA) is missing from the loan documents. |  |  |
| 70779114 | xx | Full Review | xx | xx | 8422c6cc-4447-4f95-a328-2a159c966e2d | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Condo / PUD rider Missing (Lvl 2) | PUD rider is not attached with recorded mortgage. |  |  |
| 88093504 | xx | Full Review | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The original note along with lost note affidavit is missing from the loan file. The loan has not been modified since origination. |  |  |
| 88093504 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 88093504 | xx | Full Review | xx | xx | 84c89ff6-f288-4cec-987b-ea9e4c6be28d | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage - Missing required ARM Rider (Lvl 2) | ARM rider is missing from the loan documents. |  |  |
| 88093504 | xx | Full Review | xx | xx | d4754c69-175b-4016-ad01-2af377fb480c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing HELOC Disclosures (RESPA) (Lvl 2) | HELOC disclosure is missing from the loan documents. |  |  |
| 88093504 | xx | Full Review | xx | xx | ef877a96-91e3-4c2c-91da-686433b17da5 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Borrower Billing Rights (RESPA) (Lvl 2) | BWR's billing rights disclosure is missing from the loan documents. |  |  |
| 3989533 | xx | Full Review | xx | xx | d4754c69-175b-4016-ad01-2af377fb480c | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing HELOC Disclosures (RESPA) (Lvl 2) | HELOC disclosure is missing from the loan documents. |  |  |
| 3989533 | xx | Full Review | xx | xx | 1340f32b-9b5d-4ba8-9e71-cc69420c7e4a | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Index value unable to confirm. (Lvl 2) | Index value is unable to confirm due to supporting documents are missing from the loan file. |  |  |
| 3989533 | xx | Full Review | xx | xx | 84c89ff6-f288-4cec-987b-ea9e4c6be28d | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage - Missing required ARM Rider (Lvl 2) | ARM rider is missing from the loan file. |  |  |
| 3989533 | xx | Full Review | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The original note along with lost note affidavit is missing from the loan file. The loan has not been modified since origination. |  |  |
| 78907455 | xx | Full Review | xx | xx | d4754c69-175b-4016-ad01-2af377fb480c | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing HELOC Disclosures (RESPA) (Lvl 3) | HELOC disclosures are missing from the loan documents. |  |  |
| 78907455 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB xx. |  |  |
| 78907455 | xx | Full Review | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The original note is missing. The lost note affidavit is not available in the loan file. Also, the loan was not modified. |  |  |
| 78907455 | xx | Full Review | xx | xx | ef877a96-91e3-4c2c-91da-686433b17da5 | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Borrower Billing Rights (RESPA) (Lvl 3) | Borrower billing rights is missing from the loan documents. |  |  |
| 60165707 | xx | Full Review | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | The subject loan is ARM transaction and loan program disclosure is missing from the loan file. |  |  |
| 84897208 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 84897208 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of rescission is missing from the loan documents. |  |  |
| 4400059 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22894473 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 22894473 | xx | Full Review | xx | xx | d4754c69-175b-4016-ad01-2af377fb480c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing HELOC Disclosures (RESPA) (Lvl 2) | HELOC disclosure is missing from the loan documents. |  |  |
| 22894473 | xx | Full Review | xx | xx | 84c89ff6-f288-4cec-987b-ea9e4c6be28d | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage - Missing required ARM Rider (Lvl 2) | ARM rider is missing from the loan documents. |  |  |
| 80329411 | xx | Full Review | xx | xx | 5b7706a0-5e0e-433e-94be-b0b0fbcc0702 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing required 1-4 family rider (Lvl 2) | 1-4 family rider is missing from the loan documents |  |  |
| 80329411 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 80329411 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 47405436 | xx | Full Review | xx | xx | 84c89ff6-f288-4cec-987b-ea9e4c6be28d | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage - Missing required ARM Rider (Lvl 2) | ARM rider is missing from the loan documents. |  |  |
| 47405436 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 47405436 | xx | Full Review | xx | xx | 1340f32b-9b5d-4ba8-9e71-cc69420c7e4a | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Index value unable to confirm. (Lvl 2) | Index value is unable to confirm due to supporting documents are missing from the loan file. |  |  |
| 90890319 | xx | Full Review | xx | xx | 7efbe0ea-64cc-40ba-8e1d-bfe81b22bfa4 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage Riders incomplete / inaccurate (Lvl 2) | Mortgage riders incomplete/inaccurate |  |  |
| 90890319 | xx | Full Review | xx | xx | d4754c69-175b-4016-ad01-2af377fb480c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing HELOC Disclosures (RESPA) (Lvl 2) | HELOC disclosures (RESPA) is missing from the loan documents |  |  |
| 90890319 | xx | Full Review | xx | xx | 84c89ff6-f288-4cec-987b-ea9e4c6be28d | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage - Missing required ARM Rider (Lvl 2) | ARM rider is missing from the loan documents |  |  |
| 90890319 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan file. |  |  |
| 54445191 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 54445191 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 54445191 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows borrowers did not meet the exception guidelines for owning 2 FHA loans. HUD issued a notice of rejection. Further details were not provided. |  |  |
| 54445191 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 54445191 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 23338011 | xx | Full Review | xx | xx | 601e35f8-825b-41b5-afa6-d4c3566a1df2 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Mixed Use (Lvl 4) | Subject is a mixed use property consisting of 2 livable units and an additional unpermitted unit available for storage, small business. The unpermitted unit is not livable as there is no kitchen and has been used in the past for business purposes. Elevated for client review. |  |  |
| 23338011 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #2, with a sales price of xx, is closest to the subject property. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 23338011 | xx | Full Review | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | Notary's signature date on the Mortgage/Deed of Trust is xx. Note date is xx. Final CD reflects closing date as xx. |  |  |
| 74396219 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.582% exceeds APR threshold of 7.860% over By +0.722%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). |  |  |
| 74396219 | xx | Full Review | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 74396219 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject is a conventional first mortgage with HFA secondary financing in the amount of $22,468. Further details not provided. |  |  |
| 74396219 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.532% exceeds APR threshold of 7.860% over by +0.672%. Subject loan is escrowed. |  |  |
| 74396219 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 74396219 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 45.30%. Review of file shows lender miscalculation including $75K depreciation as income for BWR. BWR has 5 years SE housekeeping business and second SE job as personal assistant for 2 years. Revised DTI is 175.27%. Lender defect. The subject loan was originated on xx, the 3-year SOL is active, FICO 686. |  |  |
| 29115619 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the improvement section is the closed porch attached to the garage, which requires minor repairs that are considered cosmetic in nature, and tape shows UW did not review the appraisal. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 53793807 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 48.445%. Tape shows income miscalculation over use of OT. Revised DTI is 63.64%. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 3.5 years on the job as an agent airport operations with xx, FICO 759, 2X30 since inception, and xx equity in the subject.<br>Downgrade to LVL2 based on PH. |  |  |
| 53793807 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 53793807 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $219,103.48. Calculated finance charge is $219,253.28 for an under disclosed amount of -$149.80. The subject loan is a purchase, originated on xx and the 1-year SOL has expired. |  |  |
| 86520903 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 86520903 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 86520903 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.82% as the borrower's income is $2,124.00 and total expenses are in the amount of $1,058.27 and the loan was underwritten by LP Locator Byrum Final AUS and its recommendation is Accept/Eligible with a DTI of 50%. |  |  |
| 86520903 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The tape shows assets miscalculated by UW. Bank statements in the file show $10,958. Gift assets of $3K are not supported by evidence of receipt, and excluding the gift, the cash-to-close requirement is xx is not satisfied. The subject loan originated on xx, and the 3-year SOL is expired. BWR has 4.75 years on the job as a case manager with xx, FICO 726, and xx equity in the subject. |  |  |
| 41208254 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 44.99%. Tape shows subject is NOO as the property was listed for rent soon after closing, causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 3.33 years on the job as an analyst at xx, FICO 723, 3X30 since inception, and xx equity in the subject. |  |  |
| 41208254 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL is expired. |  |  |
| 41208254 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41208254 | xx | Full Review | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents |  |  |
| 41208254 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. |  |  |
| 41208254 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement services provider list is missing from loan documents. |  |  |
| 41208254 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 41208254 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 41208254 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Doc Issue | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 41208254 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape shows subject is NOO, as the property was listed for rent soon after closing. Further details not provided. Elevated for client review. |  |  |
| 70641304 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.441% exceeds APR threshold of 8.270% over by +0.171%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.385% Exceeds APR threshold of 8.270% Over By +0.115%. Subject loan is escrowed. |  |  |
| 70641304 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 49.64%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense, and revised DTI is 72.24%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 1.75 years on the job as an associate with xx, FICO 747, 0X30 since inception, xx equity in the subject, and $2,927 residual income. |  |  |
| 70641304 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed Prohibited Fees Test due to the inclusion of following list of fees:<br> 2 Day Extension paid by Borrower: $266.00<br> 9 Day Extension paid by Borrower: $1,197.00<br> Notice of Settlement Fee paid by Borrower: $20.00<br> Real Estate Commission paid by Borrower: $33,000.00<br> Title - Tax Report paid by Borrower: $60.00<br> Title- FL Form 9 paid by Borrower: $1,500.00<br> Warehousing Fee paid by Borrower: $50.00 |  |  |
| 70641304 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 70641304 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx delivered on xx which is more than 3 business days from initial application date xx. |  |  |
| 70641304 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 70641304 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape indicates that the property is NOO due to misrepresentation. Further details were not provided. Elevated for client review. |  |  |
| 90887377 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 90887377 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject approved at 48.532%. Tape shows UW used 100% of subject rents instead of 75%. The revised DTI is 59.75%. Further details not provided. Lender defect. BWR has been SE for 8.66 years at owner with xx. Subject loan originated on xx and the 3 year SOL is active. FICO 773. 0X30 since inception, and xx equity in the subject. Residual income is $2,715. |  |  |
| 59247936 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by borrower is missing from loan documents. |  |  |
| 59247936 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $7,418.64 exceed fees threshold of $6,788.57 over by +$630.07. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,495.00<br> Points - Loan Discount Fee paid by Borrower: $5,838.64<br> Tax Service Fee paid by Borrower: $85.00 |  |  |
| 59247936 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at 49.54%. The tape shows income miscalculation as BWR has fluctuating earnings. The revised DTI is 58%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 7.25 years on the job as a customer service supervisor at xx, LLC, FICO 717, 0X30 inception, xx equity in the subject and $1,268 residual income. |  |  |
| 59247936 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 59247936 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $7,418.64 exceed fees threshold of $6,788.57 over by +$630.07. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,495.00<br> Points - Loan Discount Fee paid by Borrower: $5,838.64<br> Tax Service Fee paid by Borrower: $85.00 |  |  |
| 76594568 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from the loan documents. |  |  |
| 76594568 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | List of service providers disclosure is missing from the loan documents. |  |  |
| 76594568 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.75%. Tape shows the lender miscalculated bonus income and did not include HOA payment in PITI. Letter in file shows BWR2 will not be working after closing and lender included that income in DTI. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 26.16 years on the job as a senior lead sales operations with xx. BWR2 has 4 months on the job as a foreman at xx, FICO 727, and xx equity in the subject. |  |  |
| 76594568 | xx | Full Review | xx | xx | 1572c798-5472-43ad-ba76-74aaee0b84e4 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | NPL | Active | 3: Curable | \* Homeowner's Counseling disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 979963 | xx | Full Review | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx. Notary's signature date on the Mortgage/Deed of Trust is xx. Note date is xx. |  |  |
| 979963 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 979963 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects Appraisal Fee at $425.00. CD dated xx reflects Appraisal Fee at $475.00. This is an increase in fee of $50.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx and the SOL is 1 year. |  |  |
| 979963 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed QM Safe Harbor Test threshold test due to APR calculated 8.604% Exceeds APR threshold of 8.150% Over By +0.454%. Subject loan is escrowed. |  |  |
| 979963 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.626% exceeds APR threshold of 8.150% over by +0.476%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 979963 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows the subject peeling paint on garage trim, deck railing, side shed, deck rail, shed door and trim, damaged flooring in the enclosed porch, and a broken door. 1004D is missing from the loan file. The final CD does not reflect the escrow holdback. |  |  |
| 979963 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.55%. Tape shows BWR has fluctuating earnings and the revised DTI is 51%. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 3.25 years on the job as a road DRVR regular with xx, FICO 635, 2X30 since inception, and xx equity in the subject and $3,645 residual income. |  |  |
| 91845125 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 91845125 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at 49.83%. The tape shows the lender miscalculated variable income for both of the BWRs and the revised DTI is 53%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 1.2 years on the job as a bartender at xx, and BWR2 has 20 years on the job as a production manager at xx, FICO 717, 0X30 inception, xx equity in the subject, and $3,788 residual income. |  |  |
| 69032486 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 69032486 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed ComplianceEase delivery and timing test for revised CD dated xx. Document tracker is missing and 3 business days were added to get receipt date xx which is after the consummation date 6/14/2024. |  |  |
| 69032486 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $331,465.81. Calculated finance charge is $331,615.79 for an under disclosed amount of -$149.98. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on 6/14/2024 and the 1 year SOL is active.<br>Subject loan is a purchase, originated on xx and the 1-year SOL has expired. |  |  |
| 69032486 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 48.36%. Tape shows lender income miscalculation by including BWR mileage reimbursement in income. Revised DTI is 61.8%. Further details not provided. Lender defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has 1.83 years on the job as a real estate inspector with xx, FICO 810, xx equity in the subject, and $1,567 residual income. |  |  |
| 64866345 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64866345 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.37%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR receives SSI and retirement income, 0X30 since inception, FICO 773, and xx equity in the subject. |  |  |
| 89735378 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 30.97%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR was qualified using an offer letter as a driver with Sunbelt Rentals. BWR has prior employment experience as a driver at xx between 11/21/2016 and 3/24/2023 for 6.33 years, FICO 727, and xx equity in the subject. |  |  |
| 89735378 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. |  |  |
| 89735378 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete as the initial CD is missing from the loan documents. The subject loan is a purchase case, originated on xx, and the SOL 1-year is expired. |  |  |
| 54753893 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from the loan file. |  |  |
| 54753893 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at 45.58%. Tape shows asset misrepresentation as bank statements were altered and undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 3.83 years on the job as an attorney at xx, FICO 672 and xx equity in the subject. |  |  |
| 9872831 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $141,847.17. The disclosed finance charge of $129,755.70 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx and the SOL is 3 years.<br>This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h)). The finance charge is $141,812.17. The disclosed finance charge of $129,755.70 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx and the SOL is 3 years. <br> This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1)). The total of payments is $248,533.17. The disclosed total of payments of $236,178.20 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. Subject loan is a refinance, originated on xx and the SOL is 3 years.<br>This loan failed the TRID rescission total of payments test. (12 CFR §1026.23(g)(1)(ii)). The total of payments is $248,533.17. The disclosed total of payments of $236,178.20 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. Subject loan is a refinance, originated on xx and the SOL is 3 years.<br>Loan failed TILA APR test due to APR calculated 6.597% exceeds APR threshold 7.047% over by -0.450%. |  |  |
| 9872831 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects Appraisal Fee at $840.00. CD dated xx reflects Appraisal Fee at $1,100.00. This is an increase in fee of $260.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance, originated on xx and the SOL is 3 years. |  |  |
| 9872831 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 9872831 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>This loan failed the Kansas license validation test. |  |  |
| 9872831 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by borrower is missing from the loan documents. |  |  |
| 9872831 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 45.302%. Tape shows SE income used for qualification is not eligible as the business is owned by the non-borrowing spouse. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has been SE for 6.83 years at a xx, FICO 634, and xx equity in the subject. |  |  |
| 9872831 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $3,952.50 Exceeds Fees threshold of $3,445.00 Over by +$507.50. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,677.50<br> Processing Fee paid by Borrower: $900.00<br> Underwriting Fee paid by Borrower: $375.00 |  |  |
| 9872831 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $3,952.50 Exceeds Fees threshold of $3,445.00 Over by +$507.50. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,677.50<br> Processing Fee paid by Borrower: $900.00<br> Underwriting Fee paid by Borrower: $375.00 |  |  |
| 67319538 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 67319538 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 43.529%. Tape shows undisclosed debt opened prior to closing, continuance of royalty income was not established, and grossing up of SSI income was not supported. Further details not provided. Revised DTI is 64%. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR receives social security income and royalty income, FICO 771, xx equity in the subject, and residual income $1,549. |  |  |
| 67319538 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial CD is missing from loan documents.<br>Subject loan is a refinance, loan originated on xx and the SOL is 3 years. |  |  |
| 67319538 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 67319538 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from loan file. |  |  |
| 30347019 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 39.05%. Tape shows SE income misrepresentation as earnings on tax returns do not match with tax transcripts. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL has expired. BWR has been SE for 3.33 years at xx, FICO 711, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 30347019 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects appraisal fee at $525.00. CD dated xx reflects appraisal fee at $710.00. This is an increase in fee of $185 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID Violation due to decrease in lender credit on closing disclosure dated xx. Initial LE dated xx reflects lender credit at $65. Final CD dated xx reflects lender credit at $0.00. This is decrease of $1,583.00 for fee which has 0% tolerance test. Subject loan is a purchase, originated on xx and the SOL is 1 year. |  |  |
| 30347019 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test. |  |  |
| 83276164 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 83276164 | xx | Full Review | xx | xx | 3c65f5f0-7184-4874-ba34-91814b7de42d | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Type of Ownership is Leasehold or Cooperative (Lvl 3) | An alert note of a UT dated xx shows that the property is a unit in a cooperative. The subject loan originated on xx with a maturity date of xx. As per the lease agreement located at "xx PG# 129," the leasehold expires on 12/31/2090. |  |  |
| 83276164 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet XXX loan program requirements of minimum age of BWR and project is 55 and over. Further details not provided. |  |  |
| 83276164 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | The credit report is missing from the loan documents. |  |  |
| 83276164 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 40.46%. The tape reflects an increased DTI of 80%. Further details not provided. The subject loan originated on xx, and the 3-year SOL is active. BWR1 receives social security income. BWR2 has 6.83 years on the job as a teacher with the xx, FICO 688, 0X30 since inception, xx equity in the subject, and residual income $1,717. |  |  |
| 2939142 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan fails compliance delivery and timing test for CD dated xx. The initial closing disclosure delivery date is less than three business days before the consummation date 11/10/2023. |  |  |
| 2939142 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2939142 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 48.74%. Tape shows undisclosed debt with a monthly payment of $594, and the lender omitted revolving debt without supporting documents. Revised DTI is 57.38%. BWR defect. Further details not provided. The subject originated on xx, and the 3-year SOL is active. BWR has 5.8 years on the job as a lead person harvest with xx. BWR2 has 6 months on the job as a line worker with xx, FICO 730, 0X30 since inception, and $3,153 residual income. |  |  |
| 29888281 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan was originated with an incorrect NMLS ID on the loan documents due to a typographical error, and the investor has denied to purchase. Further details not provided. |  |  |
| 29888281 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Loan is closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB is xx. |  |  |
| 29888281 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 24326020 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan fails prohibited fees test. The below fees were included in the test Administration Fee paid by Borrower: $50.00 Attorney Legal Fee paid by Borrower: $2,000.00 Commitment Fee paid by Borrower: $100.00 MERS Fee paid by Borrower: $24.95<br> Real Estate Commission Listing Agency paid by Seller: $14,775.00 Real Estate Commission Selling Agency paid by Seller: $14,975.00 Title: Closing Documents Copy Fee paid by Borrower: $20.00 Title: Closing Protection Letter Fee paid by Borrower: $75.00 Title—Tax Certification Fee paid by Borrower: $45.00 Title: Transaction Management Fee paid by Borrower: $25.00 Title: Notice of Settlement Fee paid by Borrower: $100.00 |  |  |
| 24326020 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 24326020 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx. Initial LE dated xx reflects Lender Credit at $9,948.00, Final CD dated xx reflects Lender credit at $9,454.94 This is decrease of +$493.06 for fee which has 0% tolerance test.<br>Subject loan is a purchase, originated on xx and the SOL is 1 year. |  |  |
| 24326020 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan has a TRID violation as the broker compensation fees paid by the BWR were reduced before closing. Further details not provided. Infinity CE compliance result shows loan failed TRID tolerance test due to lender credit decrease. |  |  |
| 87796655 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 42.51%. Tape shows BWR was qualified based on a new employment offer that was rescinded after closing. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has started a new job on 11/6/2023 as an associate cloud consultant at xx, FICO 803, 0X30 since inception, and xx equity in the subject. |  |  |
| 87796655 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to Fees charged $15,139.00 exceeds Fees threshold of $14,658.26 over by +$480.74.<br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $295.00<br> Points - Loan Discount Fee paid by Borrower: $12,446.00<br> Processing Fee paid by Borrower: $695.00<br> Rate Lock Fee paid by Borrower: $708.00<br> Underwriting Fee paid by Borrower: $995.00.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to Fees charged $15,139.00 exceeds Fees threshold of $14,658.26 over by +$480.74.<br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $295.00<br> Points - Loan Discount Fee paid by Borrower: $12,446.00<br> Processing Fee paid by Borrower: $695.00<br> Rate Lock Fee paid by Borrower: $708.00<br> Underwriting Fee paid by Borrower: $995.00. |  |  |
| 87796655 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 72399250 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 72399250 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | ComplianceEase exception failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 72399250 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 47.54%. The tape shows BWR was qualified based on a new employment offer and never started the new job. The revised DTI is 112.38%. Further details are not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR was qualified using a post-close offer letter as a barber with xx. BWR2 was qualified using a post-close offer letter as a medical assistant with xx, FICO 792, 0X30 since inception, and xx equity in the subject. |  |  |
| 72399250 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx does not reflect points—loan discount fees. CD dated xx reflects Points - Loan Discount Fee at $403.85. This is an increase in fee of +$403.85 for charges that cannot increase. The subject loan is a purchase case that originated on xx, and the 1-year SOL is expired. A TRID violation due to a decrease in lender credit on the initial LE dated xx reflects lender credit at $400.00. The revised CD dated xx does not reflect lender credit. This is a decrease of +$400.00 for a fee that has a 0% tolerance test. The subject loan is a purchase case that originated on xx, and the 1-year SOL is expired. |  |  |
| 67650614 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 45.25%. Tape shows bonus income miscalculation. The revised DTI is 52%. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR2 has 4.91 years on the job as a nurse manager at xx, FICO 711, 0X30 since inception, xx equity in the subject, and residual income $4,084. |  |  |
| 20470637 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the prepayment penalty provision on the subject loan is not acceptable to the investor, and the BWR would not sign a new one. PPP has 5% penalty in year one if more than 20% prepayment, 4% in year two and so on, for the first 5 years. |  |  |
| 34495642 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is affixed. As per the appraisal report located at "xxPackage page#99," the subject property is a manufactured home. The manufactured home rider, located at "Ln#xx Pg#46," and the affidavit of affixation, located at "Ln#xx Pg#49," show that the home is affixed with the serial # xx. |  |  |
| 34495642 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.22%. The tape shows pension income miscalculation. The revised DTI is 59.58%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 24.83 years at xx. Additionally, BWR receives SSI and retirement income. BWR2 receives SSI and retirement income, FICO 766, 0X30 since inception, xx equity in the subject, and residual income $3,058. |  |  |
| 45738889 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45738889 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 43.45%. Tape shows AUS is ineligible. Review shows rental income miscalculation. Revised DTI is 54.59%. Further details not provided. The subject loan originated on xx, and the 3-year SOL is active. BWR has 2.25 years on the job as a pension analyst with xx. Additionally, BWR has been SE for 6.83 years at xx, FICO 708, and xx equity in the subject. |  |  |
| 45738889 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Pennsylvania license validation test. |  |  |
| 80397909 | xx | Full Review | xx | xx | 5cb32bc6-6817-40b3-bf5e-122771c92d82 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing or Incomplete (Lvl 3) | Loan approval is missing from loan documents. |  |  |
| 80397909 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 80397909 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows EPD. The first payment date is 5/1/2024. As per PH, the BWR made payment for the due date 5/1/2024 on 5/7/2024 and 6/1/2024 on 6/3/2024.Tape shows payment for the due date 6/1/2024 made to the subject lender was reversed. According to payment history as of 1/17/2025, the borrower is current with the loan, and the next due date is 2/1/2025. The current UPB is xx. |  |  |
| 89202876 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows funds to close were not properly documented. Bank statement in the file shows $730.97 and a gift of equity of $34K from the seller; the cash-to-close requirement is xx. Further details not provided. |  |  |
| 89202876 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 43.31%. Tape shows OT income used for qualification was not supported. Revised DTI is 45%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 14.66 years on the job as a pool installer with xx, FICO 699, xx equity in the subject, and residual income $3,020. |  |  |
| 89202876 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 89202876 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet the seasoning period requirement for a prior foreclosure history of BWR. Further details not provided. |  |  |
| 20161434 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. Appraisal report is missing. As per the property report located at Ln#xx Page #5, the subject property is a manufactured home. The affidavit of affixation document is located at, xx Page #38, reflecting that the home is affixed permanently to the land with serial no. #xx. |  |  |
| 20161434 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet VA IRRRL seasoning period requirements. Further details not provided. |  |  |
| 13844752 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 39.91%. Tape shows subject is NOO due to misrepresentation as BWR listed the subject property for rent after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has 5 months on the job as a vice president of sales with xx, FICO 740, and xx equity in the subject. |  |  |
| 13844752 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO due to misrepresentation as BWR listed the subject property for rent after closing. Further details not provided. Elevated for client review. |  |  |
| 63770822 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 63770822 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 63770822 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial loan estimate delivery and timing test. The initial LE dated xx was less than the seventh business day before the consummation date 10/15/2024. Loan failed the ComplianceEase delivery and timing test for the initial LE dated xx, which is less than the seven business days before the consummation date of 10/15/2024. This loan failed the written list of service providers disclosure date test due to the disclosure date being less than the seventh business day before the consummation date. |  |  |
| 63770822 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and infinity compliance result shows the loan failed the initial LE delivery date test as the initial LE dated xx was not delivered within 7 business days from the consummation date of 10/15/2024. |  |  |
| 44952876 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44952876 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 47.35%. Tape shows income miscalculation. Further details not provided. Revised DTI is 55.66%. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 2.25 years on the job as a receptionist coordinator with xx, BWR2 has been SE for 4.25 years at xx, FICO 715, 0X30 since inception, xx equity in the subject, and $20,223 residual income. |  |  |
| 44952876 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $12,804.00 exceeds fees threshold of $12,778.83 over by +$25.17. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $11,014.00<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $995.00<br>Loan fails QM lending policy points and fees test due to fees charged $12,804.00 exceeds fees threshold of $12,778.83 over by +$25.17. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $11,014.00<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $995.00 |  |  |
| 20227256 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 20227256 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show subject is a condotel in the Holly House Condos project. Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities. |  |  |
| 58315345 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject is a condotel in Austin, TX. Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities. |  |  |
| 94178458 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject is a condotel in Austin, TX. Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities. |  |  |
| 17613596 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show subject is a condotel in the Holly House Condos project. Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities. |  |  |
| 3892009 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject is a condotel in Austin, TX. Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities. |  |  |
| 80776836 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show subject is a condotel in the Holly House Condos project. Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities. |  |  |
| 80776836 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 85473183 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject is a condotel in Austin, TX. Property was a non-gut conversion of a hotel that post-conversion aligns more with a rental building as there are minimal hotel like amenities. |  |  |
| 40414106 | xx | Full Review | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx. Notary's signature date on the mortgage/deed of trust is xx. Note date is xx. |  |  |
| 40414106 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 46.86%. Tape shows the subject is NOO, as the subject property was listed for rent after closing, causing the lender to omit BWR primary housing expense. Revised DTI is 93.71%. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 1.75 years on the job as a foreman with The xx, FICO 693, 0X30 since inception, and xx equity in the subject. |  |  |
| 40414106 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 40414106 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 40414106 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO, as the BWR listed the subject property for rent after closing. Elevated for client review. |  |  |
| 56901931 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows homeowner completed the home buyer certificate after the note date. Further details not provided. |  |  |
| 90904264 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 90904264 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 48.34%. Tape shows lender treated BWR traveling nurse stipend as income. Further details not provided. Revised DTI is 92%. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 3.91 years on the job as a traveling nurse at xx, FICO 773, 0X30 since inception, xx equity in the subject, and $367 residual income. |  |  |
| 30333759 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 46.87%. Tape shows lender did not properly verify BWR income, employment and SE status. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 3.83 years on the job as a marketing supervisor with xx, FICO 650 and xx equity in the subject. |  |  |
| 30333759 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 46.87%, as the borrower's income is $10,458.33 and total expenses are in the amount of $4,902.76, and the loan was underwritten by DU (Locator#xx_xx_ Closing Package pg #145), and its recommendation is Approve/Eligible with a DTI of 46.88%. |  |  |
| 30333759 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from the loan documents. |  |  |
| 30333759 | xx | Full Review | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. |  |  |
| 42418865 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 42418865 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 42418865 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is not insurable by the HUD as the appraiser on the second appraisal was not on the FHA-approved roster. The second appraisal was required as the property was flipped. The review of the appraisal report shows the date of prior sales or transfers is 9/26/2023, and the price of the prior sale or transfer was $0 via warranty deed transfer. The current sale price is xx. The subject has received minimal updates. Zillow search shows an estimated value of xx. Current UPB xx. Further details not provided. |  |  |
| 42418865 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. |  |  |
| 42418865 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 42418865 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects Points - Loan Discount Fee at $175.00. Final CD dated xx reflects Points - Loan Discount Fee at $886.77. This is an increase in fee of +$711.77 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx, and the 1-year SOL is active. |  |  |
| 35388201 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 48.17%. Tape shows increased DTI of 60.66%. Further details not provided. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 28.91 years on the job as a nutrition manager at xx; BWR2 has 8.58 years on the job as a skilled craft worker at xx, FICO 676, xx equity in the subject, and $4,640 residual income. |  |  |
| 35388201 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 98150393 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show the subject has 2 ADUs in the form of a tiny home and manufactured home. The tiny home is on wheels and a manufactured home, both considered as personal property, and family members live there. These items are not included in the value opinion. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 45861332 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45861332 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per the appraisal report located at "CLOSED LOAN PACKAGE - xx_Pg#414," the subject property is a manufactured home. The affidavit of affixation document is available at "Ln#xx_Pg#18," reflecting that the home is affixed permanently to the land with the serial #xx. The MH rider is also located in the same file on page #16. The ALTA-7 endorsement is attached with the final title policy at "FTP - xx.pdf pg#9". |  |  |
| 45861332 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects Points - Loan Discount Fee at $2,768.00. CD dated xx reflects Points - Loan Discount Fee at $4,006.31. Loan estimate dated xx reflects Appraisal Fee at $575.00. CD dated xx reflects Appraisal Fee at $625.00. This is a cumulative increase in fee of $1,288.31 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Valid COC for the increase in fee is missing from the loan documents. Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees and Recording fee at $1,543.00. CD dated xx reflects the sum of Section C and Recording fee at $1,289.20. This is a cumulative increase of +$253.80 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. |  |  |
| 45861332 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.961% exceeds APR threshold of 7.650% over by +0.311%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.772% Exceeds APR threshold of 7.650% Over By +0.122%. Subject loan is escrowed. |  |  |
| 45861332 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $5,635.31 Exceeds Fees threshold of $4,244.37 Over by +$1,390.94. The below fees were included in the test: Lender Fee paid by Borrower: $1,629.00 Points - Loan Discount Fee paid by Borrower: $4,006.31 |  |  |
| 45861332 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $5,635.31 Exceeds Fees threshold of $4,244.37 Over by +$1,390.94. The below fees were included in the test: Lender Fee paid by Borrower: $1,629.00 Points - Loan Discount Fee paid by Borrower: $4,006.31 |  |  |
| 45861332 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject property does not meet HUD guidelines as the base flood elevation of 584.84 feet is below 587 feet. Further details not provided. |  |  |
| 45861332 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TRID total of payments test due to calculated total of payment of $372,680.12 exceeds disclosed total of payment of $372,887.75 over by -$207.63. <br> Subject loan is purchase case, originated on xx and the SOL is 1 year active. |  |  |
| 45861332 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 45861332 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 45861332 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Cash out purchase (Lvl 3) | The subject loan is purchase case. Final CD dated xx reflects cash to in the amount of $XXX. |  |  |
| 72635247 | xx | Full Review | xx | xx | 3c65f5f0-7184-4874-ba34-91814b7de42d | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Type of Ownership is Leasehold or Cooperative (Lvl 3) | As per the lease agreement located at "CLOSED LOAN PACKAGE - xx PG#418," the property is leasehold. The subject loan originated on xx with a maturity date of xx. As per the lease agreement, the lease started on xx and will expire on 7/1/2060. |  |  |
| 72635247 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Per POA document XXX appointed as agent to the POA on 3/21/2024. Per tape, XXX needed a corrected stock power of attorney. As per the "correction agreement limited POA" was filed on 3/22/2024 to correct all typographical and clerical errors discovered in any or all documents. Further details not provided. |  |  |
| 72635247 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 72635247 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect points - loan discount fee. CD dated xx reflects points - loan discount fee at $404.39. This is an increase in fee of +$404.39 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>TRID violation due to decrease in lender credit on CD dated xx. Initial CD dated xx reflects lender credit at $358.50, final CD dated xx reflects lender credit at $0.00. This is a decrease of $358.50 for a fee that has a 0% tolerance test.<br>The subject loan is a purchase case, and the 1-year SOL will expire on xx. |  |  |
| 19836704 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject is IRRRL loan and lender is unable to complete the IRRRL closing certification requirement as the receipt of payment for the month of October is missing. Further details not provided. |  |  |
| 19836704 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | Credit report is missing from the loan document. |  |  |
| 19836704 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents |  |  |
| 19836704 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 93225547 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is refinance case, originated on xx and the SOL is 3 years. |  |  |
| 93225547 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 47.19%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 2 months on the job as a manager at xx. Additionally, BWR has 5.5 years on the second job as an associate at xx, FICO 688, and xx equity in the subject. |  |  |
| 93225547 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx does not reflect Appraisal Fee. CD dated xx reflects Appraisal Fee at $490.00.<br> Loan estimate dated xx reflects Points - Loan Discount Fee at $995.00. CD dated xx reflects Points - Loan Discount Fee at $1,566.41.<br> This is a cumulative increase in fee of $1,061.41 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is refinance case, originated on xx and the SOL is 3 years. |  |  |
| 93225547 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape shows borrower was on FB plan from 11/1/2023 to 4/1/2024. As per comment dated 2/13/2025, the loan was modified on xx. |  |  |
| 93225547 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93225547 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.19%, as the borrower's income is $6,125.00 and total expenses are in the amount of $2,890.38 and the loan was underwritten by DU (CLOSED LOAN PACKAGE - xx_Pg#1) and its recommendation is Approve/Eligible with a DTI of 47.19%. |  |  |
| 1242380 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows points and fees on the subject loan exceeded 3% limit. Infinity compliance result shows that the loan passed the QM points and fees test. |  |  |
| 1242380 | xx | Full Review | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation is missing from the loan documents. |  |  |
| 7478239 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.66%. The tape reflects issues with income. Further details not provided. Lender defect. Review confirms ATR. The subject loan originated on xx, and the 3-year SOL is active. BWR1 receives foster care income. BWR2 has 5 months on the job as an associate with xx, FICO 657, and xx equity in the subject. |  |  |
| 7478239 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 7478239 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,807.30 Exceeds Fees threshold of $9,088.32 Over by +$718.98<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XXX<br> Points - Loan Discount Fee paid by Borrower: $1,774.80<br>Loan failed qualified mortgage lending policy points and fees test due to fees charged $9,807.30 Exceeds Fees threshold of $9,088.32 Over by +$718.98<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XXX<br> Points - Loan Discount Fee paid by Borrower: $1,774.80 |  |  |
| 85884767 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows ceiling tiles of the basement room have not been replaced since plumbing repairs. The cost of repair is not available. The 1004D is missing from the loan file. The final CD does not reflect the escrow holdback. |  |  |
| 85884767 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows an appraisal value issue, and the appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #1, with a sales price of xx, is closest to the subject property. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 31780887 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | VA guaranty certificate is missing from the loan documents. |  |  |
| 31780887 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed loan origination fee test due to fee charged $3,154.00 exceed fees threshold of $1,265.62 over by +$1,888.38. <br> The below fees were included in this test:<br> Agency Fee paid by Borrower: $1,600.00<br> Document Preparation Fee paid by Borrower: $270.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $80.00<br> Processing Fee paid by Borrower: $350.00<br> Tax Service Fee paid by Borrower: $89.00<br> Title Closing Protection Letter (CPL) paid by Borrower: $25.00<br> Title E-Recording Fee paid by Borrower: $100.00<br> Underwriting Fee paid by Borrower: $595.00<br> Wire Transfer Fee paid by Borrower: $45.00. |  |  |
| 31780887 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsured as bonus entitlement is available for loans greater than xx and the subject loan amount is xx. Further details not provided. |  |  |
| 4492226 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx reflects points - loan discount fee at $4,206.00. Final CD dated xx reflects points - loan discount fee at $5,645.00.<br> Loan estimate dated xx reflects appraisal fee at $700.00. Final CD dated xx reflects appraisal fee at $1,050.00.<br> Loan estimate dated xx reflects HUD consultant fee at $1,000.00. Final CD dated xx reflects HUD consultant fee at $1,040.00.<br> This is a cumulative increase in fee of $1,829.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> The subject loan is a purchase case, originated on xx, and the 1-year SOL is expired. |  |  |
| 4492226 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at 41.01%. Review of file shows BWR is an instructor relocating out of state from WA to OR 10 hours away. File does not show any LOX on ability to work remotely. Revised DTI over 100%. Lender defect. Subject originated xx and the 3 year SOL is active. BWR was an instructor at xx and had a second job as a paramedic starting after closing. FICO 697. 0X30 last 12 months. |  |  |
| 4492226 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 4492226 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows appraisal was subject to completion of renovation, and the time taken to complete renovation exceeded the limit. 1004D dated xx shows renovations are completed after 1.5 years from the note date xx. |  |  |
| 4492226 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. The subject loan is a purchase case, originated on xx, and the 1-year SOL is expired. |  |  |
| 4492226 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 4492226 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.313% exceeds APR threshold of 6.850% over by +0.463%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 7.280% exceeds APR threshold of 6.830% over by +0.450%. Subject loan is escrowed. |  |  |
| 4492226 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed the TRID rate lock disclosure delivery date test as the disclosure was not provided to the borrower within three business days after the interest rate was locked on xx. |  |  |
| 42104064 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan was repurchased from WHEDA as the subject loan did not meet the minimum contribution of 3% funds from BWR on the loan towards closing on the first and second lien loan. Further details not provided. |  |  |
| 42104064 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 1: Acceptable | \* Cash out purchase (Lvl 1) | The subject loan is a purchase case. The final CD dated xx reflects cash to the borrower in the amount of $XXX. |  |  |
| 42104064 | xx | Full Review | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* LTV / CLTV > 100% (Lvl 2) | Collateral value used for underwriting is xx. The amount of the secondary lien is xx. The superior loan amount is xx. LTV is xx, and CLTV is xx. Current UPB is xx. |  |  |
| 44103608 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as is, and the appraisal report includes a tape and photo addendum indicating dampness in the basement. Inspection report addressing the dampness in the basement by a licensed professional is missing from the loan documents. Further details are not provided. |  |  |
| 44103608 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the loan repurchased from FNMA as the unsupported appraised value, unaccepted comparables, and property value issues. The comps and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #2, with a sales price of xx, is closest to the subject property. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 15325847 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 39.50%. The tape shows BWR was not employed at the time of closing. BWR defect. The subject loan originated on xx, and the 3-year SOL is expired. BWR has 2 months on the job as an apprentice with xx, FICO 733, and xx equity in the subject. |  |  |
| 15325847 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape data, the loan was delinquent in April 2022, and a modification was done. The loan is now current. According to the latest payment history as of 2/21/2025, the borrower is current with the loan, and the next due date is 3/1/2025. The current UPB is xx, and the deferred balance is $41,970.90. The loan has been modified on xx. |  |  |
| 81846725 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan approved at 49.31%. Tape shows debt miscalculation as the lender did not obtain supporting documents for debts paid off at closing. Lender defect. Review shows DTI 51.85%. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 2 years at Uber. Additionally, BWR receives SSI. BWR2 has 7.25 years on the job as a business analyst with xx. Additionally, BWR2 receives VA benefits income, FICO 650, 0X30 since inception, and xx equity in the subject. |  |  |
| 81846725 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan fails Prohibited Fees First Lien Test due to Fees charged $3,137.00 Exceeds Fees threshold of $0.00 Over by +$3,137.00. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $2,142.00<br> Processing Fee paid by Borrower: $400.00<br> Underwriting Fee paid by Borrower: $595.00 |  |  |
| 81846725 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 87066932 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 87066932 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 33.51%. The tape shows qualifying income was not supported. Further details not provided. Lender defect. The subject originated on xx, and the 3-year SOL has expired. BWR1 has been SE for 5.16 years at xx. BWR2 has been SE for 5.16 years at xx, FICO 662, and xx equity in the subject. |  |  |
| 87066932 | xx | Full Review | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | Initial loan estimate is missing from the loan documents. |  |  |
| 87066932 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 87066932 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | ComplianceEase TRID tolerance test is incomplete due to initial LE is missing from the loan documents. Subject loan is a purchase originated on xx, and 1-year SOL has expired. |  |  |
| 79570821 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx does not reflect Appraisal Re-Inspection Fee. CD dated xx reflects Appraisal Re-Inspection Fee at $200.00.<br> Loan estimate dated xx reflects Points - Loan Discount Fee at $4,735.00. CD dated xx reflects Points - Loan Discount Fee at $11,244.87.<br> This is a cumulative increase in fee of $6,709.87 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx and the SOL is 1 year. |  |  |
| 79570821 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.09%. Tape shows SE income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 1.25 years at xx, FICO 697, 0X30 since inception, and xx equity in the subject.<br>Downgrade to LVL2 based on PH. |  |  |
| 79570821 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx and the SOL is 1 year. |  |  |
| 79570821 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41334581 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows investor on the loan over mortgaged as the lender did not use OPB of $207,613 of the existing lien paid off for LTV/CLTV and used appraised value of xx. The LTV increased from xx to xx. Zillow shows an estimated value of xx. Current UPB is xx. |  |  |
| 41334581 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41334581 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed the FHA late charge test due to the loan charges a late fee that exceeds 4%. The mortgage may provide for the collection by the mortgagee of a late charge, not to exceed 4% of the amount of each payment more than 15 days in arrears, to cover servicing and other costs attributable to the receipt of payments from mortgagors after the date upon which payment is due. |  |  |
| 41334581 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA insurance certificate is missing from the loan documents. |  |  |
| 47150026 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.77%; the borrower's income is $12,906.83, and total expenses are in the amount of $5,779.24 and the loan was underwritten by LP (Locator#xx_AUS.pdf) and its recommendation is accept with a DTI of 45%. |  |  |
| 47150026 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 44.77%. The tape reflects an increased DTI of 47.12%. Further details not provided. The subject loan originated on xx and the 3-year SOL has expired. BWR1 has been an SE for 11 years at Sotac Inc. BWR2 has 11.5 years on the job as a teacher with the xx, FICO 664, xx equity in the subject and $6,486 residual income. |  |  |
| 47150026 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 5541655 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows subject loan was approved using the asset distribution program. Lender used BWRs assets to qualify and did not rely on any employment earnings. Bank statements in the file show $2.6M in mutual funds and $124K in checking account. |  |  |
| 5541655 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 87071217 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 87071217 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed QM safe harbor threshold test due to APR calculated 7.984% exceeds APR threshold of 7.950% over by +0.034%. |  |  |
| 87071217 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from loan documents. |  |  |
| 87071217 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan failed the QM APR test. The Infinity CE report shows the loan failed the QM APR test. Further details not provided. |  |  |
| 87071217 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | ComplianceEase TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject loan is a purchase case originated on xx, and the 1-year SOL is active. |  |  |
| 87071217 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.762% exceeds APR threshold of 7.950% over by +0.812%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 67144492 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial LE and initial CD are missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 67144492 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Tape shows subject approved at 46.86%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details are not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. FICO 721 and xx equity in the subject. |  |  |
| 67144492 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Application Missing (Lvl 3) | Final application is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial loan estimate is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement services provider list is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 67144492 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape indicates that the property is NOO due to misrepresentation. Further details were not provided. Elevated for client review. |  |  |
| 46524787 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46524787 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Revised CD dated xx is missing from the loan documents. |  |  |
| 46524787 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and review of the file show the subject condo association is involved in litigation, and further information regarding the litigation is not available in the loan documents. Zillow search shows an estimated value of xx. Current UPB xx. |  |  |
| 72377820 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on Closing Disclosure dated xx. Initial LE dated xx reflects lender credit at $3,163.00. Final CD dated xx reflects lender credit at $2,629.13. This is decrease of +$533.87 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. |  |  |
| 72377820 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and review of the file show the subject condo association is involved in litigation, and further information regarding the litigation is not available in the loan documents. Zillow search shows an estimated value of xx. Current UPB xx. |  |  |
| 15491375 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows Florida condo w/no structural inspection per new 2025 SB 721 law. Further details were not provided. |  |  |
| 9701364 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 9701364 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.91%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 1.83 years on the job as a manager with xx, FICO 746 and 0X30 since inception. |  |  |
| 9701364 | xx | Full Review | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* LTV / CLTV > 100% (Lvl 2) | The subject loan was approved at xx CLTV under the bond loan program. |  |  |
| 18989559 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows loan documents are missing due to a security breach that occurred on xx while the documents were in the possession of the lender or investor. A review of the file shows all required documents are available in the loan file. Further details not provided. |  |  |
| 18989559 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The tape shows the subject loan was approved at 49.55%. Tape shows income miscalculation as the lender did not average income over 24 months. The revised DTI is 60.32%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 3.16 years at xx, FICO 782, xx equity in the subject, and $3,804 residual income. |  |  |
| 55274651 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx. Initial LE dated xx reflects lender credit at $1,226.93. The final CD dated xx reflects the lender at $0.00. This is a decrease of +$1,226.93 for the fee, which has a 0% tolerance test. The subject loan is a purchase originated on xx, and the SOL is 1 year. |  |  |
| 55274651 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 49.75%. Tape shows BWR qualified as W2 and now became SE. The lender is not able to document SE income. The revised DTI is 51.12%. BWR defect. Further details not provided. The subject loan was originated on xx, and the 3-year SOL is active. BWR1 has 2 months on the job as a skilled laborer with xx. Additionally, BWR1 has 1.66 years in the second job as a Black Hawk mechanic with the xx. BWR2 has 3 years on the job as a driver with xx. Additionally, BWR2 has been SE for 2.91 years at xx, FICO 720, 0X30 since inception, xx equity in the subject.<br>Downgrade to LVL2 based on PH. |  |  |
| 55274651 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 18480992 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject was approved at 32.49%. Tape shows insufficient income documentation. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 1.50 years on the job as an HR manager with xx. BWR1 has prior employment experience as an HR manager-remote at xx for 2 months and at xx for 2 months. BWR2 has 4.25 years on the job as a dentist with xx, FICO 620, 0X30 since inception. |  |  |
| 18480992 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed compliance ease delivery and timing test for revised CD dated xx. The document tracker is missing, and 3 business days were added to get the receipt date xx, which is after the consummation date 10/11/2024. |  |  |
| 18480992 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 18480992 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB is xx. |  |  |
| 18480992 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on closing disclosure dated xx. Initial CD dated xx reflects lender credit at $3,502.20. Final CD dated xx reflects lender credit at $3,418.69. This is decrease of +$83.51 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. |  |  |
| 28319698 | xx | Full Review | xx | xx | 30f5ee14-9cca-47bb-8ed2-40f698aea049 | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Credit | Credit | Active | 4: Unacceptable | \* Type of Ownership is Leasehold Or Cooperative (Lvl 4) | As per the final title policy located at LPolicy OPolicy rec docs.pdf pg#7, the subject property is leasehold. The subject leasehold agreement is located at "Full Package—xx pg#1402," and the leasehold term expires 6/30/2064, and the mortgage matures on xx. The final title policy shows an exception for lease agreement. |  |  |
| 28319698 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 54.21%. Tape shows undisclosed FHA mortgage debt on another property. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 1.83 years on the job as a registered nurse with xx DBA xx. BWR2 receives disability income, FICO 627, 0X30 since inception, and xx equity in the subject. |  |  |
| 28319698 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 28319698 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 21121444 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx Page#231," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "Ln#xx PG#40 and 43" state that the manufactured home with serial #xx has been affixed to the permanent foundation. |  |  |
| 21121444 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 21121444 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 21121444 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx, and the 1-year SOL is expired. |  |  |
| 21121444 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 42.81%. The BWR relocated from OH to FL and is SE. Lender miscalculated SE income; revised DTI 79.92%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. The BWR is SE with xx for 4 years, FICO 657, xx equity in the subject, 1X30 since inception and $1,099 residual income.<br>Downgrade to LVL2 based on PH. |  |  |
| 21121444 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $6,668.00 exceed fees threshold of $5,038.09 over by +$1,629.91.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,578.00<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $295.00.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $6,668.00 exceed fees threshold of $5,038.09 over by +$1,629.91.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,578.00<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $295.00. |  |  |
| 21121444 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as is. The tape and loan file show an engineer's certificate by a licensed professional verifying the structural integrity of the subject property is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 26351345 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 26351345 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 26351345 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 41.85%. Lender miscalculated SE income; revised DTI unknown as BWR has interest in multiple businesses and tax returns were not provided. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. The BWR is SE with xx, FICO 713, 0X30 since inception and xx equity in the subject. |  |  |
| 26351345 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | The TRID tolerance test is incomplete because the initial CD is missing from the loan documents. |  |  |
| 26351345 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan documents. |  |  |
| 49628471 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan was approved at a DTI of 43.73% and the tape shows the approved DTI exceeds the maximum allowable limit. Further details not provided. Review shows ATR confirmed. |  |  |
| 49628471 | xx | Full Review | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | The transmittal summary is missing from the loan documents. The closing terms on the transmittal summary are different from the subject loan. |  |  |
| 49628471 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the documents. |  |  |
| 49628471 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from the loan documents. The subject loan is a purchase case originated on xx, and the 1-year SOL has expired. |  |  |
| 49628471 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD dated 11/9/2022 is missing from the loan documents. |  |  |
| 19460922 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 48.88%, as the borrower's income is $15,045.57 and total expenses are in the amount of $7,355.49, and the loan was underwritten by DU (Locator# Credit File - xx.pdf_PG#28) and its recommendation is Approve/Eligible with a DTI of 48.88%. |  |  |
| 19460922 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 19460922 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| 19460922 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 19460922 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the appraised value is not supported, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #2, with a sales price of xx, is closest to the subject property. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 19460922 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 3713966 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 3713966 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $12,580.64 exceed fees threshold of $11,468.97 over by +$1,111.67. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $11,190.64<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $595.00.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $12,580.64 exceed fees threshold of $11,468.97 over by +$1,111.67. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $11,190.64<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $595.00. |  |  |
| 3713966 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 3713966 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TRID total of payment disclosed on final CD as $941,350.70. Calculated total of payments is $941,550.70 for an under disclosed amount of -$200. The disclosed total of payments of $941,350.70 is not considered accurate because it is understated by more than $100. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 3713966 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| 3713966 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows the stove hookups and electrical appliances need to be removed from the ADU. 1004D shows that all the electrical appliances and stove hook-ups have been removed from the ADU, and it is considered for storage use only. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 3713966 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | As per the appraisal report, which is located at xx_Pg#127, the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at xx_Pg#459 and 462 state that the manufactured home with serial # XXX has been affixed to the permanent foundation. Schedule B of the final title policy, which is located at xx XX, shows an exception for manufactured home. |  |  |
| 885383 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.75%, as the borrower's income is $3,527.33 and total expenses are in the amount of $1,755.18 and the loan was underwritten by DU (Locator# xx Pg#29) and its recommendation is Approve/Eligible with a DTI of 49.75%. |  |  |
| 885383 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 885383 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. Tape and review of the appraisal report show rotten window frames in the rear room. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 885383 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $79,704.12. Calculated finance charge is $79,857.22 for an under disclosed amount of -$153.10. Subject loan is a refinance case, originated on xx and the 3-year SOL has expired.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as $79,704.12. Calculated finance charge is $79,857.22 for an under disclosed amount of -$153.10. Subject loan is a refinance case, originated on xx and the 3-year SOL has expired. |  |  |
| 76142283 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial closing disclosure is missing from the loan documents. |  |  |
| 76142283 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.57% as the borrower's income is $6,259.06 and total expenses are in the amount of $2,789.94 and the loan was underwritten by DU Locator xx PG#63 and its recommendation is Approve/Eligible with a DTI of 44.57%. |  |  |
| 76142283 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 44.57%. Tape shows Freddie disagrees with the income calculations. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 2.66 years on the job as a drywall finisher with xx.. FICO score of 652, 0X30 last 12 months and equity $182k. |  |  |
| 76142283 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 76142283 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 76142283 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB xx. |  |  |
| 76142283 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a refinance, originated on xx, and the SOL is 3-year. |  |  |
| 44197074 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.92%. The Lender did not include the total primary mortgage payment; revised DTI 55.02%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. The BWR is employed with xx for 7 years as a Chef Manager, FICO 754, 0X30 last 24 months and xx equity in the subject. |  |  |
| 91617355 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $10,750.26 exceed fees threshold of $8,148.84 over by $2,601.42. The below fees were included in the test: Application Fee paid by Borrower: $500.00<br> Points - Loan Discount Fee paid by Borrower: $10,250.26. |  |  |
| 91617355 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 42.65%. Tape shows an undisclosed auto and revolving debts opened prior to closing. Revised DTI is 59%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 22.75 years on the job as an xx, FICO 702, xx equity in the subject, and $2,700 residual income. |  |  |
| 91617355 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 91617355 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a refinance case, originated on xx and the 3-year SOL has expired. |  |  |
| 91617355 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $137,298.76. Calculated finance charge is $137,573.76 for an under disclosed amount of -$275.00. Subject loan is a refinance case, originated on xx and the 3-year SOL has expired.<br>Loan failed TILA Foreclosure Rescission finance charge test. Finance charge disclosed on final CD as $137,298.76. Calculated finance charge is $137,538.76 for an under disclosed amount of -$240.00. Subject loan is a refinance case, originated on xx and the 3-year SOL has expired. |  |  |
| 91617355 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| 91617355 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $10,750.26 exceed fees threshold of $8,148.84 over by $2,601.42. The below fees were included in the test: Application Fee paid by Borrower: $500.00<br> Points - Loan Discount Fee paid by Borrower: $10,250.26. |  |  |
| 91617355 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 34609541 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the TRID post-consummation revised closing date and consummation date validation test.<br>This loan failed the TRID Post-Consummation Event Validation Test.<br>This loan failed the TRID disclosure delivery date validation test. |  |  |
| 34609541 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete because the initial CD is missing from the loan documents. |  |  |
| 34609541 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 34609541 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan documents. |  |  |
| 34609541 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 44.74%. Tape shows misrepresentation of income. Further details provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 11 months on the job as an assistant general manager with The xx. FICO 748, 0X30 since inception and xx equity in the subject. |  |  |
| 34609541 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Written list of service providers disclosure is missing from the loan file. |  |  |
| 34609541 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test. Finance charge disclosed on final CD as $482,020.68. The calculated finance charge is $483,944.73 for an undisclosed amount of -$1,924.05. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. Subject loan is a refinance, originated on xx and the SOL is 3 years.<br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final CD as $482,020.68. The calculated finance charge is $483,909.73 for an undisclosed amount of -$1,889.05. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. Subject loan is a refinance, originated on xx and the SOL is 3 years.<br>The TRID total payment disclosed on the final CD was $803,465.95. The calculated total of payments is $805,385.95 for an undisclosed amount of -$1,920.00. The disclosed total of payments of $803,465.95 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx and the SOL is 3 years.<br>The TRID Rescission Total of Payments Test disclosed on the final CD was $803,465.95. The calculated total of payments is $805,385.95 for an undisclosed amount of -$1,920.00. The disclosed total of payments of $803,465.95 is not considered accurate because it is understated by more than $100. <br> The subject loan is a refinance, originated on xx, and the SOL is 3 years. |  |  |
| 34609541 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 7040976 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 7040976 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 39.42%. Tape shows undisclosed debt opened prior to closing, as the revised DTI is 54.68%. Further details not provided. BWR defect. The subject loan was originated on xx, and the 3-year SOL has expired. BWR has 5.50 years on the job as an electrician/foreman with xx, FICO 723, 0X30 in the last 24 months, xx equity in the subject, and residual income of $1,624.76. |  |  |
| 7040976 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is a refinance case, originated on xx, and the 3-year SOL has expired. |  |  |
| 7040976 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| 62979401 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at 36.36%. Tape shows Freddie Mac does not approve qualifying income. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 5 months on the job as an investigator with xx., and FICO 717. |  |  |
| 62979401 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 62979401 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | ComplianceEase TRID tolerance test is incomplete due to the initial CD is missing from the loan documents. The subject loan is a refinance case originated on xx, and the 3-year SOL has expired. |  |  |
| 62979401 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB $xx. |  |  |
| 24236870 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The loan failed the TILA post-consummation revised closing disclosure finance charge test due to the calculated finance charge of $168,027.53 exceeds the disclosed finance charge of $170,037.58 over by -$2,010.05.<br> Loan failed TILA post-consummation revised closing disclosure foreclosure rescission finance charge test of $168,027.53 exceeds the disclosed finance charge of $170,037.58 over by -2,010.05.<br>TILA post-consummation Revised Closing Disclosure APR test due to APR calculated at 6.304% exceeds APR threshold of 6.437% over by -0.133%. |  |  |
| 24236870 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 24236870 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The VA guaranty certificate is missing from the loan documents. |  |  |
| 24236870 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial CD is missing from the loan documents. |  |  |
| 24236870 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows original documents have been requested from the custodian to be returned to the corporate office. Further details not provided. |  |  |
| 24236870 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 24236870 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test incomplete due to initial CD missing from the loan documents. |  |  |
| 93491709 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $4,664.26 exceed fees threshold of $3,574.79 over by +$1,089.47.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $500.00<br> Points - Loan Discount Fee paid by Borrower: $3,869.26<br> Underwriting Fee paid by Borrower: $295.00. |  |  |
| 93491709 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 93491709 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed the state regulations for the brokerage/finder fee test due to fees charged $4,664.26 exceed fees threshold of $2,500.00 over by +$2,164.26. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $500.00<br> Points - Loan Discount Fee paid by Borrower: $3,869.26<br> Underwriting Fee paid by Borrower: $295.00. |  |  |
| 93491709 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is refinance case, originated on xx and the SOL is 3 years. |  |  |
| 93491709 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $4,664.26 exceed fees threshold of $3,574.79 over by +$1,089.47. <br> The below fees were included in the test:<br> Application Fee paid by Borrower: $500.00<br> Points - Loan Discount Fee paid by Borrower: $3,869.26<br> Underwriting Fee paid by Borrower: $295.00. |  |  |
| 93491709 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. |  |  |
| 93491709 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 46.45%, as the borrower's income is $4,242.91 and total expenses are in the amount of $1,971.08, and the loan was underwritten by LP (Locator #xx.pdf Page #27), and its recommendation is to accept with a DTI of 46.00%. |  |  |
| 93491709 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.92%. Lender did not account for the farm loss on the tax returns; revised DTI 83.85%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. The BWR is SE with xx for 40 years and has a xx, FICO 650, 0X30 since inception and xx equity in the subject.<br>Downgrade to LVL2 based on PH. |  |  |
| 98654647 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate.<br> The loan failed the state regulation for the first lien prohibited fees test. The following fees were included in the test: Attorney's Fee (Closing Agent Only) paid by Borrower: $125.00 |  |  |
| 98654647 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 98654647 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete due to the initial CD missing from the loan documents. |  |  |
| 98654647 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | The homeownership counseling disclosure is missing from loan documents. |  |  |
| 98654647 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test. This loan has a qualified mortgage DTI of 52.41% as the borrower's income is $3,733.17 and total expenses are in the amount of $1,956.84, and the loan was underwritten by DU (xx pg#78), and its recommendation is Approve/Eligible with a DTI of 52.41%. |  |  |
| 98654647 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsured as the appraised value of xx used to approve the loan amount of xx is not supported by the NOV (Notice of Value) of xx. Further details not provided. |  |  |
| 98654647 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. |  |  |
| 71391026 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 71391026 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | The TRID tolerance test is incomplete due to the initial CD missing from loan documents. The subject loan is a refinance case, originated on xx, and the 3-year SOL is active. |  |  |
| 71391026 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The loan is closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value of xx. The current UPB is xx. |  |  |
| 71391026 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.43%. Tape shows BWR opened new auto loan debt prior to closing. Revised DTI is over 50%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 11.16 years on the job as a president with xx, FICO 723, and 0X30 in the last 24 months. |  |  |
| 71391026 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan documents. |  |  |
| 71391026 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 71391026 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.43%. The borrower's income is $23,333.37, and total expenses are in the amount of $11,535.35. The loan was underwritten by DU (Locator#xx_Pg#27) and its recommendation is Approve/Eligible with a DTI of 49.44%. |  |  |
| 85468985 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 40.44%. Tape shows an undisclosed auto debt opened prior to closing. Revised DTI is 59.16%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has 1 month on the job as a driver at xx; BWR2 has 1.25 years on the job as a certified nursing assistant at xx, FICO 717, xx equity in the subject, and $4,235 residual income. |  |  |
| 85468985 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx, and the 1-year SOL has expired. |  |  |
| 85468985 | xx | Full Review | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Transmittal summary is missing from the loan documents. |  |  |
| 85468985 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| 85468985 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 73298876 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is not eligible for LP or DU. Further details not provided. |  |  |
| 73298876 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance is incomplete due to initial CD missing from loan documents. |  |  |
| 73298876 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test as Fees charged of $7,384.59 exceed the fees threshold of $5,746.89 by +$1,637.70. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $5,994.59 Processing Fee paid by Borrower: $1,390.00 Loan fails GSE (Freddie Mac public guidelines) QM points and fees test as Fees charged of $7,384.59 exceed the fees threshold of $5,746.89 by +$1,637.70. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $5,994.59 Processing Fee paid by Borrower: $1,390.00 |  |  |
| 73298876 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 73298876 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending points and fees test due to fees charged $7,384.59 exceeds fees threshold of $5,746.89 over by +$1,637.70.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,994.59<br> Processing Fee paid by Borrower: $1,390.00. |  |  |
| 73298876 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed lender fees test as fees charged of $1,390.00 exceed the fees threshold of $500.00 by +$890.00. Below fees included in this test: Processing Fee paid by Borrower: $1,390.00 |  |  |
| 73298876 | xx | Full Review | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS at the time of closing is missing from the loan documents. Post-close AUS is available and its risk recommendation is Approve/Ineligible at 38.22% DTI. |  |  |
| 38815515 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 38815515 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 38815515 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is not insured as the appraisal report was completed using a purchase contract dated xx with a sales price of xx. The purchase contract dated xx shows a sales price of xx. Further details not provided. |  |  |
| 52837292 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 52837292 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 50.05%. Tape shows bonus income miscalculation. Revised DTI 51.38 %. Further details not provided. Lender defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has 1.75 years on the job as a cabinetmaker at xx, FICO 744, and xx equity in the subject. |  |  |
| 52837292 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for prohibited fees test.<br> The below fees were included in the test:<br> Digital Closing Fee paid by Borrower: $60.00<br> Title - Filling Fee paid by Borrower: $20.00<br> Title CPL paid by Borrower: $75.00. |  |  |
| 22221607 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22221607 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the brokerage/finder fee test due to fees charged of $7,432.00 exceeds fee threshold of $5,520.00 over by +$1,912.00. The following fees were included in the test: Administration Fee paid by Borrower: $1,095.00 Mortgage Broker Fee paid by Seller: $XXX |  |  |
| 22221607 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 47.07%. The tape shows income miscalculation. The revised DTI is 51%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 receives pension income. BWR2 has one month on the job as a scheduler at xx. BWR2 has prior employment experience as a lab technician at xx for 7 years. FICO 700, 0X30 since inception, xx equity in the subject, and $2,669 residual income. |  |  |
| 22221607 | xx | Full Review | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Transmittal summary is missing from the loan documents. Post-close transmittal summary is reflecting the revised DTI is available in loan file. |  |  |
| 22221607 | xx | Full Review | xx | xx | 64b4e88c-ac9f-44af-bd44-81df53d25df8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Closing_Disclosure violations (Lvl 3) | Revised CD dated xx is missing from the loan documents. |  |  |
| 39801482 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 39801482 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsured, as bonus entitlement is available for loans greater than xx and the subject loan amount is xx. Further details not provided. |  |  |
| 51568114 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 51568114 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails QM lending policy points and fees test due to fees charged of $10,019.47 exceeds fees threshold of $7,143.27 over by +$2,876.20. The below fees were included in the test: Mortgage Broker Fee (Indirect) $XXX Points—Loan Discount Fee paid by Borrower: $3,357.59 |  |  |
| 51568114 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO due to misrepresentation, as BWR listed the subject property for rent after closing. Further details not provided. Elevated for client review. |  |  |
| 51568114 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 39.21%. Tape shows the subject is NOO due to misrepresentation, as BWR listed the subject property for rent after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has 4.08 years on the job as an electrician with xx, FICO 793, and xx equity in the subject. |  |  |
| 51568114 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $10,019.47 exceeds fees threshold of $7,143.27 over by +$2,876.20. The below fees were included in the test: Mortgage Broker Fee (Indirect) $XXX Points—Loan Discount Fee paid by Borrower: $3,357.59 |  |  |
| 95730970 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed Origination Fee Test due to fees charged $2,657.00 exceed fees threshold of $2,524.00 over by +$133.00. The following fees were included in this test: Administration Fee paid by Seller: $1,395.00 Lock Extension Fee paid by Borrower: $1,262.00. Loan failed Discount Fee Test due to fees charged $9,598.00 exceed fees threshold of $2,524.00 over by +$7,074.00. The following fees were included in this test: Administration Fee paid by Seller: $1,395.00 Lock Extension Fee paid by Borrower: $1,262.00 Points - Loan Discount Fee paid by Seller: $6,941.00. |  |  |
| 95730970 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 48.86%. Tape shows BWR has fluctuating income and the lender did not agree with the investors income calculation. Revised DTI is 67%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 8 months on the job as an operations manager at xx, FICO 734 and $1,244 residual income. Review shows ATR confirmed. |  |  |
| 95730970 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 61093992 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The loan failed the CA AB 260 Higher-Priced Mortgage Loan Test because the APR calculated at 9.939% exceeds the APR threshold of 9.900% by +0.039%. |  |  |
| 61093992 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 61093992 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows the subject loan is HPML and an appraisal inspection by a certified professional is missing. Subject loan closed with PIW and appraisal is not available. Further details not provided. |  |  |
| 61093992 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) because an APR calculated at 9.939% exceeds the APR threshold of 9.900% by +0.039%. Subject is a second lien. First lien is not escrowed.<br> Subject loan originated on xx, and the 1-year affirmative defense period is expired. |  |  |
| 50231522 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50231522 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 44.87%. Tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has 6.41 years on the job as a mail carrier with the xx; BWR2 has 2.33 years on the job as a special ed aide with the xx, FICO 636, xx equity in the subject. |  |  |
| 50231522 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TRID total of payment disclosed on final CD as $479,277.67. Calculated total of payments is $479,874.67 for an under disclosed amount of -$597.00. The disclosed total of payments of $479,277.67 is not considered accurate because it is understated by more than $100. The subject loan is refinance case originated on xx, and the 3-year SOL has expired. |  |  |
| 50231522 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan is non-QM/ATR non-compliant and is seasoned more than 3 years. Further details not provided. |  |  |
| 70651965 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. |  |  |
| 70651965 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at 45.26%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 5.25 years on the job as a part manager with xx, FICO 675, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 40898815 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 40898815 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan is non-QM/ATR non-compliant and will be seasoned in June 2025. Further details not provided. |  |  |
| 40898815 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 40898815 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx reflects Appraisal fee at $600.00. CD dated xx reflects Appraisal fee at $615.00.<br> Loan estimate dated xx reflects Credit Report Fee at $174.00. CD dated xx reflects Credit Report Fee at $183.50.<br> This is a cumulative increase in fee of $24.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase, originated on xx and the 1-year SOL has expired. |  |  |
| 40898815 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at 40.12%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL will expire on 6/16/22. BWR has 3 years on the job as a salesperson with XXX, FICO 703, and xx equity in the subject. BWR reinstated on 9/12/24 in the amount of $136K. |  |  |
| 89315053 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 89315053 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at 45.22%. Tape shows BWR2 was not employed or on leave at the time of closing. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has 17.83 years on the job as a co-manager at xx, BWR2 has 16 years on the job as an associate at xx, FICO 690, and xx equity in the subject. |  |  |
| 89315053 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan is non-QM/ATR non-compliant and is seasoned more than 3 years. Further details not provided. |  |  |
| 90103154 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 90103154 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 45.01%. Tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has been an SE for 8.08 years at M Construction, and FICO 521. |  |  |
| 90103154 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan is non-QM/ATR non-compliant and is seasoned more than 3 years. Further details not provided. |  |  |
| 98914713 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT violating predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 98914713 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The appraisal report is missing from the loan documents. A Zillow search shows an estimated value of xx. Current UPB: xx. |  |  |
| 98914713 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan document. |  |  |
| 98914713 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 98914713 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final TIL as $163,260.91. The calculated finance charge is $163,543.11 for an undisclosed amount of $282.20. The reason for the finance charge under disclosure is unknown as the fee itemization is missing. |  |  |
| 98914713 | xx | Full Review | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | Tape shows LNA with copy of note. Further details are not provided. LNA was not found in the loan file. The copy of note is available at xx - MG - Miscellaneous - OTHER LOAN DOCS - Prior SVCR Date - _xx pg#19. |  |  |
| 30936735 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 30936735 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 30936735 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. Redfin search shows an estimated value at xx. Current UPB xx. |  |  |
| 30936735 | xx | Full Review | xx | xx | 145d6e17-2165-4f5a-8058-8c02e362107f | xx | xx | xx | Pre-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) | The property is located in a state that has unlimited assignee liability for high cost loans and HUD-1/FCD is missing to test the compliance. |  |  |
| 30936735 | xx | Full Review | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | xx | xx | xx | Pre-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | The prepayment rider is missing from the loan documents. |  |  |
| 30936735 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | Pre-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and review of the loan file shows HUD-1 is missing. |  |  |
| 30936735 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fees and the estimated HUD-1, is missing from the loan documents. |  |  |
| 30936735 | xx | Full Review | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | Kentucky | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at "[xx]_COLFIL - xx - Loan xx "shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at "[xx]_COLFIL - xx - Loan xx_Pg#2." |  |  |
| 18306735 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 18306735 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.94%. The Lender used rental income from a family member and miscalculated OT. Revised DTI 54.42%. No further details provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR is employed with xx for 17.3 years as a Painter Inspector, BWR2 is receiving SSI, Pension and Annuity income and BWR 3 is employed with xx for 15.6 years as a Paraeducator, FICO 761, xx equity in the subject, and $6,889 residual income.<br>Exception downgraded as SOL has expired. |  |  |
| 18306735 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.94%, as the borrower income is $15,090.14 and total expenses are in the amount of $7,537.22 and the loan was underwritten by DU (Locator# xx PKG PG#435) and its recommendation is Approve/Eligible with a DTI of 49.94%. |  |  |
| 18306735 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape defect is recourse cannot be obtained from Fannie Mae. The borrower was 30 days late more than once during the renovation. Repurchase from FNMA due to the borrower becoming at least four full monthly payments delinquent. The borrower is now current.<br> According to payment history as of 03/26/2025, the borrower is current with the loan, and the next due date is 04/01/2025. The current UPB reflected as per the payment history is xx. |  |  |
| 18306735 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | BWR1 employment and income information is missing from the loan documents. |  |  |
| 18306735 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 99136714 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 99136714 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 50.35% as the borrower's income is $6,787.08 and total expenses are in the amount of $3,416.98 and the loan was underwritten by DU Locator xx - Closing Loan Package PG#23 and its recommendation is Approve/Eligible with a DTI of 50.35%. |  |  |
| 99136714 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 99136714 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflect Points - Loan Discount Fee at $14,160.00. Final CD dated xx reflects Points - Loan Discount Fee at $14,220.00. This is an increase in fee of +$60.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx, and the 3-year SOL has expired. |  |  |
| 99136714 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet the seasoning period requirement as the loan modification was done prior to the limit of 210 days. Further details not provided. |  |  |
| 92304988 | xx | Full Review | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Note is missing or unexecuted (Lvl 3) | The original note along with the lost note affidavit is missing from the loan file. The loan was modified on xx. |  |  |
| 92304988 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet the seasoning period requirement as the loan modification was done prior to the limit of 210 days. Further details not provided. |  |  |
| 92304988 | xx | Full Review | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from the loan documents. |  |  |
| 92304988 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 43.04% as the borrower's income is $4,893.92 and total expenses are in the amount of $2,106.67 and the loan was underwritten by DU (Locator# xx - Closing Loan Package_PG#20) and its recommendation is Refer/Eligible with a DTI of 43.05%. 3-year QM-ATR SOL has expired. |  |  |
| 15443640 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete due to initial LE is missing from the loan documents. |  |  |
| 15443640 | xx | Full Review | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | The initial loan estimate is missing from the loan documents. |  |  |
| 15443640 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from loan documents. |  |  |
| 15443640 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 15443640 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows that the loan did not meet seasoning requirements. Loan mod done before minimum 210 days of the first loan. The loan has not been modified since origination. |  |  |
| 15443640 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 15443640 | xx | Full Review | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The note is missing from the loan file. The lost note affidavit is not available in the loan file. The loan has not been modified since origination. |  |  |
| 15443640 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The settlement services provider list is missing from the loan documents. |  |  |
| 52310334 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 19.89%. Tape shows the lender did not obtain the 2 months of business bank statements and documentation of omitting child support debt with an outstanding balance of $90K. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL has expired. BWR has been an SE for 8 years at xx, FICO 765, and xx equity in the subject. |  |  |
| 52310334 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 30552383 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject is approved as a DSCR loan and tape shows investor did not honor terms of lock. Further details not provided. |  |  |
| 16683127 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. A Zillow search shows an estimated value of xx. Current UPB xx. |  |  |
| 16683127 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show BWR is an LLC and would not execute a business purpose loan agreement. Further details not provided. Subject approved as DCSR and is 0X30 last 25 months. |  |  |
| 40449299 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx does not reflect Points - Loan Discount Fee. CD dated xx reflects Points - Loan Discount Fee at $2,400.00.<br> Loan estimate dated xx does not reflect Verification Fee. CD dated xx reflects Verification Fee at $48.95.<br> This is a cumulative increase in fee of $2,448.95 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 40449299 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 44.78%. Tape shows BWR2 had undisclosed debt, which was not on the credit report. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 3 months on the job as a shift manager at xx; BWR2 has 30.66 years on the job as a machine operator at xx, FICO 679, $43K equity in the subject. |  |  |
| 40449299 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 40449299 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 40449299 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.78%, as the borrower's income is $6,426.25, and total expenses are in the amount of $2,877.82. The loan was underwritten by DU (Locator# xx package Pg# 88) and its recommendation is Approve/Eligible with a DTI of 44.78%. |  |  |
| 40449299 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) | The document in the loan file located at "xx" shows the subject FC action was initiated on the loan due to false representation by the BWR regarding income, assets and liabilities during loan application. As per the comment dated 12/12/2024, the foreclosure was initiated on xx and the comment dated 1/2/2025 shows that FC was initiated due to loan fraud. According to the comment dated 4/10/2025, the complaint was filed on xx. Further details are not provided. |  |  |
| 91991097 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape, the monthly payment status was delinquent, and the next due date is 3/1/2025. According to payment history as of 4/10/2025, the borrower is current with the loan, and the next due date is 5/1/2025. The current UPB reflected as per the payment history is $322,292.97. |  |  |
| 91991097 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock provided expired on xx and the loan closed on xx. No lock extension found. |  |  |
| 91991097 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 47.33%. Tape shows undisclosed debt opened prior to closing and the BWR provided an unacceptable rental agreement on their departing residence. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 1.5 years on the job as a caregiver at xx, FICO 687. |  |  |
| 91991097 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $13,135.88 exceed fees threshold of $9,271.45 over by +$3,864.43. The following fees were included in the test: Administration Fee paid by Borrower: $310.00 Points - Loan Discount Fee paid by Borrower: $11,540.88 Processing Fee paid by Borrower: $500.00 Underwriting Fee paid by Borrower: $785.00. Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $13,135.88 exceed fees threshold of $9,271.45 over by +$3,864.43. The following fees were included in the test: Administration Fee paid by Borrower: $310.00 Points - Loan Discount Fee paid by Borrower: $11,540.88 Processing Fee paid by Borrower: $500.00 Underwriting Fee paid by Borrower: $785.00. |  |  |
| 95645654 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show BWR was EPD and made promises to catch up. The current UPB reflected as per the payment history is $271,357.00. |  |  |
| 95645654 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 40.89%. Tape shows AUS approval lost due to the gift of equity from a family sale being reduced from $39K to $33K. The final CD reflects a gift of equity of $33,743.46, from which $14,050 was used toward the down payment and $19,693.46 was used to pay off debts. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR receives VA benefits and social security income, FICO 619 and xx equity in the subject. Appraised value xx. Sales price due to family estate sale xx. |  |  |
| 95645654 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41954300 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41954300 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, as the location reported was inaccurate, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #2 with a sales price of xx, is closest to the subject property. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 46654775 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.573% exceeds the APR threshold of 8.460% by +0.113%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated at 8.520%, exceeding the APR threshold of 8.460% by +0.060%. The subject loan is escrowed. |  |  |
| 46654775 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD, dated xx, reflects cash to in the amount of $XXX. |  |  |
| 46654775 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46654775 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.86%. Tape and review shows lender excluded liabilities on the credit bureau. Revised DTI is 52.53%. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 2.16 years on the job as a vice president with xx, FICO 708, 0X30 since inception, $7029 residual income and xx equity in the subject. |  |  |
| 91459689 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows the subject property is ineligible. The appraisal report is as is. The comment and photo addendum show interior and exterior chipping paint, damaged floor coverings and ceilings, and the exterior door. The estimated cost to repair is xx. 1004D is missing from the loan document, and the final CD does not reflect the escrow holdback. Zillow search shows an estimated value of xx. Current UPB xx. |  |  |
| 91459689 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64878014 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The required MI certificate is missing from the loan file. |  |  |
| 64878014 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator shows moderate This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. |  |  |
| 64878014 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.<br> The loan does charge fee(s) not provided for in this act, which is prohibited.<br> A person licensed as a mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2)<br> discount points which may be labeled as an origination fee.<br> A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following<br> fees:<br> (1) a credit report fee;<br> (2) appraisal fee;<br> (3) application fee;<br> (4) commitment fee;<br> (5) warehouse fee;<br> (6) discount points;<br> (7) lock-in fee; |  |  |
| 40520368 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per tape data, there is no issue or defect satisfied. Further details not provided. |  |  |
| 40520368 | xx | Full Review | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | The prepayment rider is missing from the loan documents. |  |  |
| 30226207 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 30226207 | xx | Full Review | xx | xx | 1572c798-5472-43ad-ba76-74aaee0b84e4 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | NPL | Active | 3: Curable | \* Homeowner's Counseling disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 30226207 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is CDFI- no ratio loan. Further details not provided. |  |  |
| 30226207 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 30226207 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx reflects points—loan discount fee at $13,650.00. CD dated xx reflects Points—Loan Discount Fee at $25,389.00. This is an increase in fee of $11,739.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance that originated on xx. |  |  |
| 30226207 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Right of Rescission missing or unexecuted (Lvl 3) | Right of Rescission is missing from the loan file. |  |  |
| 84553886 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the issue as a TRID exception, and the SOL has expired. Infinity compliance test results show the loan has failed the TRID tolerance tests. |  |  |
| 84553886 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges in total cannot increase more than 10% tolerance test. The LE dated xx reflects the sum of Section C fees and recording fees at $153.81. The CD dated xx reflects the sum of Section C and the recording fee at at0.00. This is a cumulative increase of $153.81 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents. <br>Loan failed charges in total cannot increase more than 10% tolerance test. The LE dated xx reflects the sum of Section C fees and recording fees at $3592.48. CD dated xx reflects the sum of Section C and the recording fee at $3434.08. This is a cumulative increase of +$144.00 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents.<br>Lender fees test fails. Loan data is $7.63, and comparison data is $0.00. The variance is +$140.00. |  |  |
| 84553886 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test. |  |  |
| 84553886 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit is missing from the loan file. |  |  |
| 2336866 | xx | Full Review | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | The prepayment rider is missing from the loan documents. |  |  |
| 2336866 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2336866 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no issue, and the defect is satisfied. Further details not found. |  |  |
| 64908005 | xx | Full Review | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | The final transmittal summary is missing from the loan documents. |  |  |
| 64908005 | xx | Full Review | xx | xx | 4fd35644-4c06-4404-bca7-d875a4d22df1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Note data is missing or inaccurate (Lvl 2) | Note date is xx, different from the mortgage, final CD, and final application on xx. |  |  |
| 64908005 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| 64908005 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan closed without appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value at xx. Current UPB is xx. |  |  |
| 64908005 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64908005 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 64908005 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | ATR could not be determined as 1008, AUS, and loan approval are missing from the loan documents. Tape shows potential ATR issue. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL has expired. BWR has 27 years on the job as a bartender with xx, a FICO score of 586, and xx equity in the subject. |  |  |
| 64908005 | xx | Full Review | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | AUS | Active | 2: Acceptable with Warnings | \* Missing DU/GUS/AUS as required by guidelines (Lvl 2) | AUS report is missing from the loan documents. |  |  |
| 64908005 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan fails the TRID tolerance test due to a decrease in lender credit on the closing disclosure dated xx. The final CD dated xx reflects the lender at $1,542.77. The initial LE dated xx reflects Lender Credit at +$1,543.00; this is a decrease of +$0.23 for a fee that has a 0% tolerance. |  |  |
| 15825453 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 15825453 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.650% exceeds APR threshold of 5.150% over by +0.500%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed the Qualified Mortgage Safe Harbor threshold test due to APR calculated at 5.650% exceeds APR threshold of 5.150% over by +0.500%. Subject loan is escrowed. |  |  |
| 15825453 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 37.66%. The tape shows the lender did not provide verification of the SE business 120 days prior to closing. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has been SE for 8.50 years at xx. BWR2 has 2.09 years on the job as a dental assistant with xx, FICO 670, and xx equity in the subject. |  |  |
| 15825453 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx does not reflect Points - Loan Discount Fee. Final CD dated xx reflects Points - Loan Discount Fee at $294.50. Initial LE dated xx does not reflect Appraisal Re-Inspection Fee. Final CD dated xx reflects Appraisal Re-Inspection Fee at $145.00. This is a cumulative increase in fee of $439.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 15825453 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx_PG#86," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "Ln#xx_PG#42" state that the manufactured home with serial # xx and xx has been affixed to the permanent foundation. |  |  |
| 15825453 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 15825453 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 15825453 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 15825453 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 72304677 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the late fees test, as the fee charged of 5.000% exceeds the fee threshold of 2.000% over by +3.000%. |  |  |
| 72304677 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 72304677 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase 0% tolerance test. The initial LE dated xx does not reflect points - loan discount fee. The final CD dated xx reflects points - loan discount fee at $29,997.50. This is an increase in fees of $29,997.50 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx, and the 1-year SOL is expired. |  |  |
| 72304677 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan failed the GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged of $31,455.50 exceed the fee threshold of $26,580.81 over by +$4,874.69. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $29,997.50 Processing Fee paid by Borrower: $1,458.00.<br>The loan failed the qualified mortgage lending policy points and fees test due to fees charged of $31,455.50 exceed the fees threshold of $26,580.81 over by +$4,874.69. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $29,997.50 Processing Fee paid by Borrower: $1,458.00. |  |  |
| 72304677 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 72304677 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing in loan documents. |  |  |
| 72304677 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 3) | Subject loan closed with Approve/Ineligible DU findings at 54.96% DTI. The Lender miscalculated income. Lender defect. Revised DTI 58.69%. Subject loan originated xx and the 3-year SOL is active. The BWR is employed with xx as a Software Engineer Associate for 1.6 years, FICO 784, $4,648 residual income, 0x30 since inception and xx equity in the subject. |  |  |
| 72304677 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase the 0% tolerance test. |  |  |
| 60081522 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The loan fails the compliance delivery and timing test for the CD dated xx. The document tracker is missing, and 3 business days were added to get the receipt date of xx, which is after the consummation date of 10/26/2021. |  |  |
| 60081522 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 60081522 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.46%, as the borrower income is $5,000.00 and total expenses are in the amount of $2,273.39 and the loan was under written by DU (Locator#xx_Pg#176) and its recommendation is "Approve/Eligible" with a DTI of 45.46%. |  |  |
| 60081522 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | The initial 1003 signed by the loan originator is missing from the loan files. |  |  |
| 60081522 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | The tape shows a TRID exception with an expired SOL. Further details not provided. Infinity compliance report shows the loan failed the TRID delivery and timing test. |  |  |
| 60081522 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB $xx. |  |  |
| 43561624 | xx | Full Review | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | The initial TIL is missing from the loan documents. |  |  |
| 43561624 | xx | Full Review | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | The initial GFE is missing from the loan documents. |  |  |
| 43561624 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 43561624 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB: xx. |  |  |
| 43561624 | xx | Full Review | xx | xx | 145d6e17-2165-4f5a-8058-8c02e362107f | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) | The property is located in a state that has unlimited assignee liability for high-cost loans, and HUD-1/FCD is missing to test the compliance. |  |  |
| 43561624 | xx | Full Review | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | The final GFE is missing from the loan documents. |  |  |
| 43561624 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan documents. |  |  |
| 43561624 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of loan file show missing HUD-1 and subject property is in (UAL State). Further details not provided. |  |  |
| 43561624 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fees and estimated HUD-1, is missing from the loan documents. |  |  |
| 61933046 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The right of rescission is missing from the loan documents. |  |  |
| 61933046 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at 21.04%. Tape shows lender did not obtain VOE 10 business days prior to closing. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. The BWR has 8 years on the job as an executive vice president with xx, FICO 705, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 61933046 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 61933046 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 87541294 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows converted E-Note. Further details not provided. |  |  |
| 87541294 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from loan documents. |  |  |
| 8660357 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO as BWR owns other property. Further details were not provided. Elevated for client review. |  |  |
| 8660357 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 44.67%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has 4 months on the job as an associate with xx. Previously, BWR1 was an intern for 3 months at xx. BWR2 has 4 years on the job as an HVAC application designer with xx, FICO 741, 0X30 over the last 24 months and xx equity in the subject. |  |  |
| 11101253 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject is a condotel. The subject is a unit in the XXX project, and the review of the appraisal report shows the project building is a condotel on the beach. Further details not provided. |  |  |
| 69187773 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 28.10%. The tape shows verified assets for closing of $20,277.50, which does not satisfy the cash-to-close requirement of xx. The verification of employment is not within 10 business days before closing. BWR defect. Further details not provided. The subject originated on xx, and the 3-year SOL has expired, FICO 768, and xx equity in the subject. |  |  |
| 59418757 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan documents. |  |  |
| 59418757 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The right of rescission is missing from the loan documents. |  |  |
| 59418757 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 59418757 | xx | Full Review | xx | xx | 145d6e17-2165-4f5a-8058-8c02e362107f | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) | The property is located in a state that has unlimited assignee liability for high-cost loans, and HUD-1/FCD is missing to test the compliance. |  |  |
| 59418757 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with the itemization of fees and the estimated HUD-1, is missing from the loan documents. The tape and file show the final HUD-1 is missing, and the subject property is located in a UAL state. |  |  |
| 59418757 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB is xx. |  |  |
| 60381650 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan has no issue or the issue has been satisfied. Further details not provided. |  |  |
| 60381650 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at 47.04%. The tape reflects an increased DTI of 48.98%. Further details not provided. The subject loan originated on xx, and the 3-year SOL is active. BWR has been an SE for 9.5 years at Elle Janitorial Services. FICO 763, 0X30 since inception, and xx equity in the subject. |  |  |
| 33921466 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged, $12,220.00, exceed the fees threshold of $9,638.41 by +$2,581.59. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $10,920.00 Processing Fee paid by Borrower: $1,300.00 |  |  |
| 33921466 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | The hazard insurance certificate is missing from the loan documents. |  |  |
| 33921466 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged, $12,220.00, exceeding the fees threshold of $9,638.41 by +$2,581.59. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $10,920.00 Processing Fee paid by Borrower: $1,300.00 |  |  |
| 33921466 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 26.11%. The tape shows income could not be verified, as the WVOE was dated more than 90 days at closing. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 9 months on the job as an assistant district attorney with the xx. BWR2 has 7 months on the job as an HR specialist with xx, FICO 735, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 33921466 | xx | Full Review | xx | xx | e771f51b-ccfc-4035-9f6b-a3288820555c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Mortgage missing / unexecuted (Lvl 4) | " As per the note, the subject mortgage was originated on xx, and the mortgage was not recorded. There is an unrecorded copy of the mortgage in the loan file located at "xx_Pg#1301." |  |  |
| 33921466 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 33921466 | xx | Full Review | xx | xx | 3c65f5f0-7184-4874-ba34-91814b7de42d | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Type of Ownership is Leasehold or Cooperative (Lvl 3) | " The subject loan originated on xx with a maturity date of xx. As per the lease agreement located at "xx_Pg#1760," the ground lease is held by xx., and the leasehold expires on 06/30/2078. |  |  |
| 33921466 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation late fees test, as the late fee of 5.000% charged on the loan exceeds the threshold of 2.000%, and it is over by +3.000%. |  |  |
| 30526366 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect Points - Loan Discount Fee at $4,001.56. CD dated xx reflects Points - Loan Discount Fee at $2,466.00. This is an increase in fee of $1,535.57 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. |  |  |
| 30526366 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test. |  |  |
| 30526366 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 30526366 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Evidence of hazard insurance is missing from the loan documents. |  |  |
| 30526366 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan is HPML non-compliant. Infinity compliance report shows the loan passed the HPML test. Further details are not provided. |  |  |
| 36181032 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $21,359.78 exceed the fees threshold of $14,794.10 over by +$6,565.68. The below fees were included in the test: Mortgage broker fee (indirect): $XXX Points-loan discount fee paid by borrower: $6,515.78 Underwriting fee paid by borrower: $1,050.00 |  |  |
| 36181032 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 36181032 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO as BWR owns other property. Further details were not provided. Elevated for client review. |  |  |
| 36181032 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB xx. |  |  |
| 36181032 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $21,359.78 exceed the fees threshold of $14,794.10 over by +$6,565.68. The below fees were included in the test: Mortgage broker fee (indirect): $XXX Points-loan discount fee paid by borrower: $6,515.78 Underwriting fee paid by borrower: $1,050.00 |  |  |
| 36181032 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 38.77%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 2.58 years at Exclusive xx, FICO 746. |  |  |
| 36181032 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. Finance charge disclosed on final CD is $717,625.20. The calculated finance charge is $719,299.10 for an undisclosed amount of -$1,673.90. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. The subject loan is a purchase originated on xx, and the 1-year SOL has expired. |  |  |
| 91426616 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx reflects Points - Loan Discount Fee at $2,730.00. CD dated xx reflectsPoints - Loan Discount Fee at $8,943.48.<br> Loan estimate dated xx does not reflect VOE Fee. CD dated xx reflects VOE Fee at $150.00.<br> Loan estimate dated xx does not reflect State Tax/Stamps Fee. CD dated xx reflects State Tax/Stamps Fee at $1,657.50.<br> This is a cumulative increase in fee of $8,020.98 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 91426616 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard is missing from the loan file. |  |  |
| 91426616 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $613,331.81. Calculated finance charge is $613,494.81 for an under disclosed amount of -$163.00. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired.<br>Loan failed TILA APR test due to APR calculated 8.861% exceeds APR threshold 9.068% under disclosed by -0.207%. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 91426616 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $10,538.48 exceed fees threshold of $9,574.74 over by +$963.74. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $8,943.48<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $995.00.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $10,538.48 exceed fees threshold of $9,574.74 over by +$963.74. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $8,943.48<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $995.00. |  |  |
| 91426616 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape no issue or defect satisfied. Further details not provided. |  |  |
| 91426616 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test. |  |  |
| 87382448 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 87382448 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no issue or defect satisfied. Further details are not provided. |  |  |
| 87382448 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 87382448 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx reflects points—loan discount fee at $4,606.00. CD dated xx reflects Points—Loan Discount Fee at $5,306.40. The loan estimate dated xx reflects transfer taxes at $2,479.00. The CD dated xx reflects transfer taxes at $2,487.50. This is a cumulative increase in fees of $708.90 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. A valid COC for the increase in fee is available; the COC is not getting tested due to the loan failing TRID delivery and timing test. |  |  |
| 87382448 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 87382448 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The loan failed the QM safe harbor threshold test due to the APR calculated at 8.422% exceeds the APR threshold of 8.420% by +0.002%. The subject loan is escrowed. |  |  |
| 26269042 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged, $12,860.92, exceed the fees threshold of $12,763.47 by +$97.45. The below fees were included in the test: Mortgage Broker Fee (Indirect) $XXX Points—Loan Discount Fee paid by Borrower: $1,163.67 Underwriting Fee paid by Borrower: $999.00 |  |  |
| 26269042 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged, $12,860.92, exceed the fees threshold of $12,763.47 by +$97.45. The below fees were included in the test: Mortgage Broker Fee (Indirect) $XXX Points—Loan Discount Fee paid by Borrower: $1,163.67 Underwriting Fee paid by Borrower: $999.00 |  |  |
| 26269042 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan did not fail any TRID test. |  |  |
| 26269042 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. Finance charge disclosed on final CD as $233,104.52. The calculated finance charge is $232,592.65 for an under disclosed amount of -$511.87. The subject loan is a purchase originated on xx, and the 1-year SOL has expired. |  |  |
| 26269042 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 45.71%, as the borrower's income is $8,236.15 and total expenses are in the amount of $3,765.01, and the loan was underwritten by DU (xx PG#13), and its recommendation is "Approve/Eligible" with a DTI of 45.71%. |  |  |
| 312288 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test. |  |  |
| 312288 | xx | Full Review | xx | xx | 84c89ff6-f288-4cec-987b-ea9e4c6be28d | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage - Missing required ARM Rider (Lvl 2) | The ARM rider is missing from the loan documents. |  |  |
| 312288 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 312288 | xx | Full Review | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| 312288 | xx | Full Review | xx | xx | 8422c6cc-4447-4f95-a328-2a159c966e2d | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Condo / PUD rider Missing (Lvl 2) | The condo rider is missing from the loan documents. |  |  |
| 312288 | xx | Full Review | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | The final HUD-1 reflects the closing date as xx. The notary signature date on the mortgage/deed of trust is xx. ROR was signed by the borrower on xx with an expiry date of 12/18/2006, and the loan was funded on xx. |  |  |
| 312288 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows DSI vs arrears discrepancy. Further details not provided. |  |  |
| 58971973 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per seller tape data, the defect is shown as No Issue/Defect Satisfied. |  |  |
| 55677809 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by borrower is missing from the loan documents. |  |  |
| 55677809 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The improvement section of the appraisal report shows deferred maintenance due to worn and dated finishes and damaged drywall in the basement. The estimated cost to cure is not available in the loan files. 1004D or certified professional inspection report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 55677809 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan has no issues or defects. Further details not provided. |  |  |
| 94835262 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape, no issue or defect satisfied. Further details not provided. |  |  |
| 78624083 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 78624083 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | The initial 1003 signed by the loan originator is missing from the loan documents. |  |  |
| 78624083 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx does not reflect Relock at Market Rate. CD dated xx reflects Relock at Market Rate at $166.50. This is an increase in fee of +$166.50 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>Loan failed charges in total cannot increase more than 10% tolerance test. LE dated 5/26/2020 reflects the sum of Section C fees and recording fees at $2,240.70. CD dated xx reflects the sum of Section C and the recording fee at $2,339.18. This is a cumulative increase of +$98.48 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents. |  |  |
| 78624083 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows a TRID exception with an expired SOL. Further details not provided. Infinity compliance report shows the loan failed the TRID delivery and timing test and the TRID tolerance test. |  |  |
| 78624083 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. <br>Compliance is failing for state regulations PA license validation test. |  |  |
| 78624083 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date. |  |  |
| 78624083 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 78624083 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from loan documents. |  |  |
| 39077992 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 39077992 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx does not reflect points—loan discount fees. CD dated xx reflects points—loan discount fee at $715.00. This is an increase in fee of +$715.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br>The TRID violation is due to a decrease in lender credit on the closing disclosure dated xx. The initial LE dated xx reflects a lender credit of $548.68, and the final CD dated xx reflects a lender credit of $0.00. This is a decrease of +$548.68 for a fee that has a 0% tolerance test. The subject loan is a refinance, originated on xx, and the 3-year SOL has expired. |  |  |
| 39077992 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 39077992 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 39077992 | xx | Full Review | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | AUS | Active | 2: Acceptable with Warnings | \* Missing DU/GUS/AUS as required by guidelines (Lvl 2) | The AUS/DU report is missing from the loan documents. |  |  |
| 61841367 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 61841367 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 30.15%. The tape shows income documents for BWR1 were not provided. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 3.4 years on the job as a care coordinator at xx. BWR2 has 7.50 years on the job as an account services director at xx. Additionally, BWR2 has 1 month on the second job as a project manager at xx, FICO 772, 0X30 in the last 24 months. Review shows ATR confirmed. |  |  |
| 61841367 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulations for prohibited fees test.<br> The following fees were included in the test:<br> CPL paid by Borrower: $75.00<br> Legal Fee paid by Borrower: $1,250.00<br> Real Estate Commission paid by Seller: $16,600.00<br> Tax Service Fee paid by Borrower: $80.00 |  |  |
| 61841367 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 48266026 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 48266026 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 48266026 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 42.82%. Tape shows the calculated investor qualifying DTI ratio of 55.72% exceeds the approved DTI of 43%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL has expired. BWR1 has 5.1 years on the job as a table games dealer at xx. BWR2 has 1.07 years on the job as a therapist at xx, FICO 685, 0X30 over the last 24 months and xx equity in the subject. |  |  |
| 82536029 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The appraisal report is as is. A photo addendum of the subject property shows damaged plaster ceilings in the living room, peeling paint in a second-floor bedroom, and chipping, peeling paint on the exterior of the home. The estimated cost to cure is in the amount of xx. 1004D/Completion report is missing from the loan documents. The final CD does not reflect escrow holdback. |  |  |
| 82536029 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 46.86%. The tape reflects an increased DTI of 47.10%. Further details not provided. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has been SE as a writer for 3.33 years. Additionally, BWR1 receives social security and pension income. BWR2 has 8.25 years on the job as a teacher at the xx, FICO 768, xx equity in the subject, and $5,862 residual income. |  |  |
| 82536029 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed Qualified Mortgage Lending Policy points and fees test due to fees charged $29,890.00 exceeds fees threshold of $20,630.84 over by +$9,259.16.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $175.00<br> Commitment Fee paid by Borrower: $915.00<br> Points - Loan Discount Fee paid by Borrower: $28,800.00. |  |  |
| 82536029 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 82536029 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx reflects Points - Loan Discount Fee at $9,000.00. Final CD dated xx reflects Points - Loan Discount Fee at $28,800.00. This is an increased fee in the amount of +$19,800.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx, and the 1-year SOL has expired.<br>TRID violation due to decrease in lender credit on final CD. Initial LE dated xx reflects Lender credits at $2,050.00. Final CD dated xx reflects Lender credits at $1,508.75. This is a decrease of $541.25 for a fee which has 0% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case, originated on xx, and the 1-year SOL has expired. |  |  |
| 82536029 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $29,890.00 exceeds fees threshold of $20,630.84 over by +$9,259.16.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $175.00<br> Commitment Fee paid by Borrower: $915.00<br> Points - Loan Discount Fee paid by Borrower: $28,800.00. |  |  |
| 82536029 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows qualifying assets for closing are less than cash from the borrower. Assets are insufficient for closing. Bank statements in the file show $36K. Tape shows lender verified $77K of the $148K funds required to close. Further details not provided. Subject loan originated xx. |  |  |
| 82536029 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 82536029 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 98188280 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $14,515.63 exceeding the fees threshold of $8,976.89 by +$5,538.74. The below fees were included in the test: Loan Origination Fee paid by Borrower: $3,162.00 Points—Loan Discount Fee paid by Borrower: $10,298.63 Underwriting Fee paid by Borrower: $1,055.00 |  |  |
| 98188280 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) because an APR calculated at 8.809% exceeds the APR threshold of 8.530% by +0.279%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>Loan failed. Qualified Mortgage Safe Harbor threshold test due to APR calculated at 8.783% Exceeds APR threshold of 8.530% by +0.253%. The subject loan is escrowed. |  |  |
| 98188280 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 98188280 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx reflects points—loan discount fees at $4,145.00. The CD dated xx reflects points—loan discount fee at $10,298.63. The loan estimate dated xx does not reflect the appraisal re-inspection fee. CD dated xx reflects an appraisal re-inspection fee of $200.00. This is a cumulative increase in fees of $6,353.63 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. A valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase that originated on 12/7/2022, and the 1-year SOL has expired. |  |  |
| 98188280 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 98188280 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 98188280 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan closed at 48.81% DTI. The Lender excluded a new liability. Lender defect. Revised DTI unknown as the loan was from a Church where the BWR's husband is the Pastor. Subject loan originated xx and the 3-year SOL is active. The BWR is SE at xx for 10 years, FICO 700, unknown residual income, 0x30 since inception and xx equity in the subject. |  |  |
| 98188280 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged of $8,976.89 exceeding the fees threshold of $14,515.63 by +$5,538.74. <br> The below fees were included in the test: Loan Origination Fee paid by Borrower: $3,162.00 Points—Loan Discount Fee paid by Borrower: $10,298.63 Underwriting Fee paid by Borrower: $1,055.00 |  |  |
| 98188280 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation late fees test, as the late fee of $118.78 charged on the loan exceeds the threshold of $100.00, and it is over by +$18.78. |  |  |
| 98188280 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase the 0% tolerance test. |  |  |
| 38378364 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at 31.93%. Tape shows debt miscalculation. The revised DTI is 60.14%. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 27.6 years on the job as a security supervisor with xx. FICO 698, 0X30 last 15 months and xx equity in the subject. Review shows ATR confirmed. |  |  |
| 87711656 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prohibited fees test. (N.J.S.A. §17:11C-23, N.J.A.C. §§3:1-16.2) The loan does charge fee(s) not provided for in this act, which is prohibited. A mortgage broker shall have the right to charge only the following fees: (1) application fee; and (2) discount points which may be labeled as an origination fee. |  |  |
| 87711656 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are not failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 87711656 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from the loan documents. |  |  |
| 87711656 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the defect as "No Issue/Defect Satisfied." Further details were not provided. |  |  |
| 20231853 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The borrower signed intent to proceed is missing from the loan documents. |  |  |
| 20231853 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 20231853 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx PG#61," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "Ln#xx PG#29" state that the manufactured home with serial XXX, XXXX & XXX has been affixed to the permanent foundation. |  |  |
| 20231853 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects manufactured home data lookup fee. Final CD dated xx reflects manufactured home data lookup fee at $125.00. This is an increase in fee of +$125.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject is a purchase case originated on xx, and the 1-year SOL has expired. |  |  |
| 20231853 | xx | Full Review | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Doc Issues | Active | 3: Curable | \* Settlement date is different from note date (Lvl 3) | Final CD reflects closing date as xx. Notary's signature date on the mortgage/deed of trust is xx. Note date is xx. |  |  |
| 20231853 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | The tape shows a one-month bank statement required to verify assets is missing. DU shows assets were verified with an online vendor in the amount of $1,219.51. Cash to close requirement is $0.00. Further details not provided. |  |  |
| 20231853 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated xx. The initial LE dated xx reflects a manufactured home fee at $0. The final CD dated xx reflects the manufactured home fee at $125. This is a fee increase of $125 for the 0% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a refinance case that originated on xx, and the SOL is expired. |  |  |
| 21549700 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 32.62%. The tape shows an increased DTI of 58.73%. Further details not provided. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 2.91 years on the job as firewood supervisor with xx, Inc. FICO 696, 0X30 in the last 24 months, xx equity in the subject, and $2,192 residual income. |  |  |
| 21549700 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 21549700 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 21549700 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx reflects an appraisal fee of $535.00. The CD dated xx reflects an appraisal fee of $720.00. This is an increase in fee of $185.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx, and the 3-year SOL has expired. |  |  |
| 1876273 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | Loan fails TRID total of payments test due to fees charged of $801,885.26. Exceeds fees threshold of $922,225.71 by -$120,340.45.<br> Loan fails TRID rescission total of payments test due to fees charged of $801,885.26. Exceeds fees threshold of $922,225.71 by -$120,340.45.<br> The subject loan is a refinance, originated on xx, and the 3-year SOL has expired.<br>Loan failed Initial LE estimate delivery and timing test. Initial LE dated xx delivered on xx, which is more than 3 business days from initial application date xx. |  |  |
| 1876273 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. Finance charge disclosed on final CD as $557,721.46. The calculated finance charge is $432,787.26 for an undisclosed amount of -$124,934.20. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. <br>TILA foreclosure rescission finance charge test due to finance charge disclosed on Final TIL as $557,686.46. The calculated finance charge is $432,787.26 for an undisclosed amount of -$124,899.20. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. <br>Loan failed TILA APR test due to APR calculated at 5.110% exceeding APR threshold of 5.700% by +0.590%. |  |  |
| 1876273 | xx | Full Review | xx | xx | 947c9bc1-4551-4c18-8ba6-065e2ae0e805 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Note has LIBOR Index with Replacement Clause (Lvl 2) | The note states, If the index is no longer available, the noteholder will choose a new index that is based upon comparable information. The noteholder will give notice of this choice. |  |  |
| 1876273 | xx | Full Review | xx | xx | c56299d8-a56d-4ee2-ba5d-9e8408623724 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase RESPA Test Failed (Lvl 2) | This loan failed the homeownership counseling organizations disclosure date test due to the following findings.<br> The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan<br> originator's application date |  |  |
| 1876273 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the CA AB 260 Higher-Priced Mortgage Loan Test (12 CFR § 1026.35(a)(1)) due to APR calculated at 5.700% exceeds the APR threshold of 5.550% by +0.150%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 5.700% exceeds the APR threshold of 5.550% by +0.150%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated at 5.700%. Exceeds APR threshold of 5.550% by +0.150%. The subject loan is escrowed. |  |  |
| 1876273 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 1876273 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. |  |  |
| 1876273 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | The hazard insurance certificate is missing from the loan documents. |  |  |
| 1876273 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan failed the GSE (Fannie Mae Public Guidelines) Amortization Test due to the loan contains an interest-only feature and the loan is a cash-out refinance. |  |  |
| 1876273 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the qualified mortgage interest-only test due to this loan is an interest-only loan.<br>This loan failed the written list of service providers disclosure date test for one or more of the following reasons. The written list of service providers disclosure dates is either less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction. |  |  |
| 1876273 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows HPML non-compliant. Infinity review shows HPML LVL2. |  |  |
| 1876273 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 96251177 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows TRID exception. Further details not provided. Infinity CE report did not fail TRID test. |  |  |
| 93187727 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan failed the Prohibited Fees First Lien Test. The total fee charged is $1,950.00, and the allowed is $0; however, it is over by +$1,950.00. Fees Included- Administration Fee: $625 Points - loan discount Fee: $1325. |  |  |
| 93187727 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The charges that cannot increase the test are due to the increase of the fee in the final CD dated xx. The initial LE dated xx reflects points - Loan Discount Fee $0.00 and Appraisal Re-Inspection Fee $0.00. Credit report fee: $114 The final CD dated xx reflects points - Loan Discount fee: $1325, Appraisal Re-Inspection fee: $100. Credit report fee of $188.49 for 0% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case that originated on xx, and the SOL is 1 year expired. |  |  |
| 93187727 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 93187727 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93187727 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase 0% tolerance test. |  |  |
| 93187727 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 54397484 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 54397484 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 54397484 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 54397484 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the CLTV of xx exceeds the guideline CLTV of xx. Further details not provided. Review of the file shows the subject loan was approved at xx CLTV. |  |  |
| 71705448 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Connecticut license validation test. |  |  |
| 71705448 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 71705448 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no issue or defect satisfied. |  |  |
| 14997377 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | The tape shows a TRID exception with an expired SOL. Further details not provided. Infinity compliance report shows the loan failed the TRID delivery and timing test and the TRID tolerance test. |  |  |
| 14997377 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 14997377 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date. |  |  |
| 14997377 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan fails NJ prohibited fees test. The below fees were included in the test. Flood Elevation Cert paid by Borrower: $8.00 HOA Club Membership paid by Borrower: $100.00 Inspection—Home paid by Borrower: $515.00 Legal Fee (B)—Personal Rep paid by Borrower: $1,200.00 Program Lender Participation Fee paid by borrower: $1,500.00 Title Closing Protection Letter paid by Borrower: $75.00 |  |  |
| 14997377 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees and recording fees at 484.00. The CD dated xx reflects the sum of Section C and the recording fee at $1,069.00. This is a cumulative increase of +$585.00 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents. The subject loan was originated on xx, and the 1-year SOL has expired. |  |  |
| 14997377 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from the loan documents. |  |  |
| 14997377 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from the loan documents. |  |  |
| 60259135 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 60259135 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows TRID exceptions. Further details not provided. Review of the Infinity CE report shows the loan did not fail any TRID exception. |  |  |
| 60185017 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 60185017 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 32.62%. The tape shows an increased DTI of 194%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 3 years on the job as an office worker with xx. BWR2 has been SE for 5 years in the xx, FICO 559, and xx equity in the subject. |  |  |
| 60185017 | xx | Full Review | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing flood cert (Lvl 2) | Flood certification document is missing from the loan documents. |  |  |
| 60185017 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Evidence of hazard insurance is missing from the loan documents. |  |  |
| 60185017 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no issue or defect satisfied. Further details are not provided. |  |  |
| 60185017 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from the loan documents.<br>Settlement services provider list is missing from the loan documents. |  |  |
| 60185017 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final CD is missing from the loan file. The available copy of the final CD does not show loan calculation details on the last page of the final CD. |  |  |
| 60185017 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan file. |  |  |
| 60185017 | xx | Full Review | xx | xx | 145d6e17-2165-4f5a-8058-8c02e362107f | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) | This loan is from KY, which has unlimited assignee liability for state high cost, and we are unable to test compliance due to missing HUD. |  |  |
| 34774897 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 36.87%. The tape shows VOE dated within 10 days of closing is missing from the loan documents. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 26 years on the job as a xx with the xx. BWR2 has been SE for 6.85 years at xx as an attorney, FICO 789, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 34774897 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 1: Acceptable | \* Cash out purchase (Lvl 1) | As per final CD loan is cash out purchase. |  |  |
| 34774897 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed missing from the loan file. |  |  |
| 47200754 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance certificate is missing from the loan documents. |  |  |
| 47200754 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value at xx. The current UPB is xx. |  |  |
| 47200754 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application signed by the borrower is missing from the loan documents. |  |  |
| 47200754 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with the itemization of fees and the estimated HUD-1, is missing from the loan documents. |  |  |
| 47200754 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 47200754 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape data shows no issue/defect satisfied. No further details have been found. |  |  |
| 47200754 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 47200754 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 47200754 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR signed by the borrower is missing from the loan documents. |  |  |
| 47200754 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 47200754 | xx | Full Review | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing flood cert (Lvl 2) | Flood certificate is missing from the loan documents. |  |  |
| 51376445 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The ROR signed by the borrower is missing from the loan documents. |  |  |
| 51376445 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan failed the state regulation prohibited fees test. The following fees were included in the test:<br> Flood Determination - Life of Loan Fee paid by Borrower: $19.00<br> Tax Related Service Fee paid by Borrower: $80.00<br> 4th Qtr Taxes paid by Borrower: $2,650.68<br> Closing Protection Letter paid by Borrower: $25.00<br> Notice of Settlement paid by Borrower: $20.00<br> Tax Certification paid by Borrower: $35.00 |  |  |
| 51376445 | xx | Full Review | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | The TIL is not hand-dated by the borrower. |  |  |
| 51376445 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no issue or defect satisfied. |  |  |
| 28469188 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.90% DTI. The Lender miscalculated income. Lender defect. Revised DTI is 50.38%. Subject loan originated xx and the 3-year SOL is active. The BWR is employed with xx as a Sr Instructional Designer for 3 years, FICO 775, $4,410 residual income, and xx equity in the subject. |  |  |
| 86827273 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant, further details are not provided. |  |  |
| 86827273 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $1,664,301.38. Calculated finance charge is $1,665,255.52 for an under disclosed amount of -$954.14. Reason for finance charge under disclosure is unknown as the fee itemization is missing. <br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as $1,664,301.38. Calculated finance charge is $1,665,220.52 for an under disclosed amount of -$919.14. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br>TRID total of payment disclosed on final CD as $2,902,345.94. Calculated total of payments is $2,903,508.08 for an under disclosed amount of -$505.31. The disclosed total of payments of -$1,162.14 is not considered accurate because it is understated by more than $100. <br> Subject is a refinance case originated on xx, and the 3-year SOL is active. |  |  |
| 86827273 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx does not reflect final inspection fee. Final CD dated xx reflects final inspection fee at $200.00. This is fee increase of $200.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject is a refinance case originated on xx, and the 3-year SOL is active. |  |  |
| 86827273 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 60944501 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject is a condotel unit at the XXX. The project has amenities such as an onsite restaurant, multiple pools, an oceanfront bar and dining, tennis courts, a sports lounge, and 24-hour guard security. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 96123780 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 96123780 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects Points - Loan Discount Fee at $5,034.00. Final CD dated xx reflects Points - Loan Discount Fee at $10,068.75. This is an increase in fee of +$5,034.75 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 96123780 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per tape, there is no issue for this loan or the defect has been satisfied. Further details not provided. |  |  |
| 98105933 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 44.07%. Tape shows the calculated qualifying DTI ratio of 54% exceeds the AUS DTI ratio of 44%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has been SE for 3.66 years at xx, FICO 806, 0X30 since inception and xx equity in the subject. Review shows ATR confirmed. |  |  |
| 98105933 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 98105933 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 88917352 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 88917352 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no issue or defect satisfied. Further details are not provided. |  |  |
| 88917352 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The HUD-1 signed by the borrower is missing from the loan documents. |  |  |
| 93142424 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on final TIL as $148,767.69. Calculated finance charge is $149,762.69 for an under disclosed amount of -$995.00. |  |  |
| 93142424 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan fails Qualified mortgage lending policy points and fees test due to Fees charged $6,620.95 Exceeds Fees threshold of $6,121.09 Over by +$499.86. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $6,620.95 |  |  |
| 93142424 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 93142424 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 93142424 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | The subject was approved as a second home. Tape shows the occupancy misrepresentation. Further details not provided. |  |  |
| 93142424 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx. Initial LE dated xx reflects Points - Loan Discount Fee & State Tax/Stamps at $0.00 & $0.00. Final CD dated xx reflects Points - Loan Discount Fee & State Tax/Stamps at $6,620.95 & $3,979.15. This is fee increase of +$6,620.95 & +$3,979.15 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is purchase case, originated on xx and the SOL is 1 year expired.<br>Infinity ce report shows subject loan failed for 0% tolerance. Further details are not provided. |  |  |
| 93142424 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are not failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 55339345 | xx | Full Review | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Your home loan toolkit / acknowledgment / disclosure tracking is missing in the loan file. |  |  |
| 55339345 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $9,902.74 exceeds fees threshold of $8,041.43 Over by +$1,861.31.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XXX<br> Points - Loan Discount Fee paid by Borrower: $6,090.24<br> Underwriting Fee paid by Borrower: $1,050.00 |  |  |
| 55339345 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL is $448,079.77. Calculated finance charge is $450,284.25 for an under disclosed amount of -$2,204.48. |  |  |
| 7441384 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 46.10%, as the borrower's income is $22,460.00 and total expenses are in the amount of $10,354.69, and the loan was underwritten by DU (xx_Pg#322), and its recommendation is "Approve/Eligible" with a DTI of 46.10%. |  |  |
| 7441384 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 46.10%. Tape shows bonus income miscalculation. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL has expired. BWR has 14.34 years on the job as a vice president with xx, FICO 726, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 7441384 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees and recording fees at $0.00. CD dated xx reflects the sum of Section C and the recording fee at $10.00. This is a cumulative increase of +$10.00 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents. |  |  |
| 7441384 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date. |  |  |
| 7441384 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| 36543890 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan approved at 42.63% DTI, exceeding the qualifying DTI of 42%. Further details not provided. BWR has 11 months on the job as a sales representative at ART Guild, Inc, FICO 700, 0X30 over the last 24 months and xx equity in the subject. |  |  |
| 36543890 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 18850564 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 47.582%. Tape shows the lender did not obtain signed and dated tax transcripts for 2017-18. Further details not provided. Lender defect. The subject originated on xx, and the 3-year SOL has expired. BWR has 20 years on the job as an Associated Cash Management Analyst with xx, FICO 819, and xx equity in the subject. |  |  |
| 25706119 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at 42.72%. The tape shows an increased DTI of 55.32%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 32 years on the job as a manager of implementation with xx. BWR2 receives social security income and monthly distribution income, FICO 701, 0X30 in the last 24 months, xx equity in the subject, and $8,275 residual income. Review shows ATR confirmed. |  |  |
| 92924970 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 92924970 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 92924970 | xx | Full Review | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from the loan documents. |  |  |
| 92924970 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. Redfin search shows an estimated value of xx and current UPB is xx. |  |  |
| 92924970 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA Mortgage insurance certificate is missing from loan documents. |  |  |
| 92924970 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape and file show the final HUD-1 is missing from the loan documents. |  |  |
| 92924970 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 92924970 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 92924970 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 92924970 | xx | Full Review | xx | xx | 145d6e17-2165-4f5a-8058-8c02e362107f | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) | This loan is from the MA which has unlimited assignee liability for state high cost and we are unable to test compliance due to missing HUD. Tape shows the same. |  |  |
| 34983504 | xx | Full Review | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-1 is not hand signed by borrower. |  |  |
| 34983504 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 34983504 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 34983504 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no issue or defect for the subject loan. |  |  |
| 34983504 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 34983504 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing, and do not in fact result in, a bona fide reduction of the interest rate. |  |  |
| 29108645 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows TRID exception SOL expired. Further details not provided. Infinity CE report did not fail TRID test. |  |  |
| 30942786 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount.This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 30942786 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated xx. The initial LE dated xx reflects a credit report fee of $84.00. The final CD dated xx reflects a credit report fee of $84.25. This is a fee increase of +$0.25.00 for the 0% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents.<br>Loan failed charges than in total cannot increase more than 10% tolerance test.LE dated xx reflects the sum of Section C fees and Abstract fee at $250.00,Lenders title insurance policy at $2247.00,Title updates at $600.00. CD dated xx reflects the sum of Section C and Recording fee at $300.00. This is a cumulative increase of +$50.00,Lenders title insurance at $2675.00. This is a cumulative increase of +$428.00,Title updates at $750. This is a cumulative increase of +$150.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. |  |  |
| 30942786 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 42.71%. The tape shows two years of tax returns, and tax transcripts are missing from the loan documents. The revised DTI is 46.91%. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has 20.6 years on the job as a senior vice president of sales with xx. BWR2 has 13.8 years on the job as an attorney with xx. FICO 744, $1.2M equity in the subject, and $11K residual income. |  |  |
| 57370727 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of loan show subject loan is CDFI- No Ratio and TRID SOL has expired. Further details are not provided. |  |  |
| 57370727 | xx | Full Review | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan document. |  |  |
| 57370727 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx. Initial LE dated xx reflects Mortgage Broker Fee & Sub-Escrow Fee at$XXX & $0.00. Final CD dated xx reflects Mortgage Broker Fee & Sub-Escrow Fee at $XXX & $XX. This is fee increase of $862.50 & $65.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is purchase case, originated on xx and the SOL is 1 year expired. |  |  |
| 57370727 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 57370727 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan file. |  |  |
| 20938482 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows no issue, and the defect is satisfied. Further details not provided. |  |  |
| 82506197 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The loan failed the qualified mortgage safe harbor threshold test due to the calculated APR of 8.449% exceeds APR threshold of 8.230% over by +0.219%. The subject loan is escrowed. |  |  |
| 82506197 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | **The subject was approved at 49.93%. The tape shows an increase in DTI of 84.39%. Lender defect. Further details not provided. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE as a dentist for 3.33 years, FICO 765, 0X30 since inception, xx equity in the subject, and $1,757 residual income.** |  |  |
| 43569883 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed the reimbursement amount validation test and the consummation or reimbursement date validation test.<br>Compliance failing for state regulations PA License Validation Test. In the state of PA, the lender is licensed under state ID # xx. As a xx per the NMLS website. |  |  |
| 43569883 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 43.62%. Tape shows insufficient assets. Bank statement in the file shows $48K does not satisfy cash-to-close requirement of xx. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has 14 years on the job as an owner of xx BWR2 has 17 years on the job as a financial manager with the xx, FICO 698, and xx equity in the subject. |  |  |
| 43569883 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed to meet the 0% tolerance test due to certain charges. The loan estimate dated xx does not reflect the appraisal fee and processing fee. Due to CD dated xx, the appraisal fee and processing fee are $680.00. This is an increase in fees of $680.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance originated on xx, and the SOL is 3 years expired. |  |  |
| 43569883 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 64478869 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 64478869 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated 8.678% exceeds APR threshold of 8.450% over by +0.228%. Subject loan is escrowed. |  |  |
| 64478869 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects appraisal fee at $595.00. Final CD dated xx reflects appraisal fee at $1,000.00. This is an increase in fee of $405.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 64478869 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for the brokerage/finder fee test due to fees charged $11,831.00 exceed fees threshold of $8,620.20 over by +$3,210.80. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $10,236.00<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $995.00. |  |  |
| 96947215 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for brokerage/finder fee test due to fees charged $10,910.00 exceed fees threshold of $8,280.00 over by +$2,630.00. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $9,315.00<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $995.00. |  |  |
| 33324399 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and Consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 33324399 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date. |  |  |
| 33324399 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject was approved under the no-ratio loan program, and the TRID SOL has expired. Further details not provided. |  |  |
| 33324399 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects Points - Loan Discount Fee at $33,180.00. Final CD dated xx reflects Points - Loan Discount Fee at $51,843.75. This is an increase in fee of +$18,663.75 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 66771078 | xx | Full Review | xx | xx | e9c29bca-1a57-4f73-991c-7b5d2e7d6f20 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* First Payment Date more than 2 Months after Settlement Date (Lvl 2) | First payment date more than 2 months after settlement date. |  |  |
| 66771078 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 66771078 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 44.49%. Tape shows BWR did not sign the PL statement. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL has expired. BWR1 has been SE as a carpenter for 11 years. BWR2 receives VA benefits and social security income, FICO 797, 1X30 over the last 24 months and xx equity in the subject. |  |  |
| 66771078 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TRID total of payment disclosed on final CD as $$741,062.92. Calculated total of payments is $741,957.85 for an under disclosed amount of -$894.93. The disclosed total of payments of $741,062.92 is not considered accurate because it is understated by more than $100. Subject loan is a refinance case, originated on xx and the 3-yeaar SOL has expired. |  |  |
| 66771078 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Appraisal report shows the subject property is pending as per plan and specification. The estimated cost of completion of work is xx and the final CD reflects the escrow holdback in the amount of xx. The 1004D completion report confirming the completion of work is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 66771078 | xx | Full Review | xx | xx | 32e0d7b5-f4de-4b77-9574-04cce9803bb3 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD dated xx reflects an escrow holdback in the amount of $451,235.00. Proof for the release of the escrow holdback is missing from the loan documents. |  |  |
| 15117448 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance certificate is missing from the loan file. |  |  |
| 15117448 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 15117448 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 15117448 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at 35.78%. Tape shows the lender did not verify income and employment status using reliable third-party records. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has 3 months on the job as a senior financial analyst at xx, BWR2 has 8.15 years on the job as a director of enterprise sales with xx, FICO 682, and xx equity in the subject. |  |  |
| 15117448 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>Compliance failing for state regulations PA License Validation Test. In the state of PA, the lender is licensed under state ID# xx. As of xx per the NMLS website. |  |  |
| 15117448 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx reflects an appraisal fee at $400.00 & a credit report fee at $0.00. The final CD dated xx reflects an appraisal fee at $480.00 & a credit report fee at $83.00. This is an increase in fee of $133.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. |  |  |
| 2841102 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | CE risk indicator is moderate as the loan is failing TILA APR Test due to APR calculated 4.071% exceeds APR threshold of 4.394% over by +0.677%. |  |  |
| 2841102 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete, as the initial CD is missing from loan documents. The subject loan is a refinance, originated on xx, and the SOL is 3 years. |  |  |
| 2841102 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan file. |  |  |
| 2841102 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows a TRID exception with an expired SOL. Further details not provided. Infinity compliance report shows the loan did perform the TRID test as the initial CD is missing from the loan documents. |  |  |
| 96471325 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | The hazard insurance certificate is missing from the loan documents. |  |  |
| 96471325 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 96471325 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| 96471325 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without an appraisal. PIW disclosure is missing from the loan documents. Zillow search shows an estimated amount of xx. The current UPB is xx. |  |  |
| 96471325 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan did not fail any TRID test. |  |  |
| 96471325 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed complianceEase delivery and timing test for initial CD dated xx. The document tracker is missing, and 3 business days were added to get the receipt date of xx, which is less than three business days before the consummation date of 10/27/2021. |  |  |
| 88685070 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at 34.20%. Tape shows debt miscalculation. Revised DTI is 50.50%. Further details not provided. Lender defect. The subject loan was originated on xx, and the 1-year SOL has expired. BWR has 2.33 years on the job as a liquidity business risk manager with xx, a FICO score of 794, and xx equity in the subject. |  |  |
| 3138367 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.615% exceeds APR threshold of 8.490% over by +0.125%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.592% exceeds APR threshold of 8.490% over by +0.102%. |  |  |
| 3138367 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan program does not allow BWR's to own more than 2 properties in the state of Nevada and the subject property is located within 2 miles from the retained property. Further details not provided. |  |  |
| 3138367 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Evidence of hazard insurance is missing from the loan documents. |  |  |
| 3138367 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails compliance delivery and timing test for CD dated xx. The document tracker is missing and 3 business days were added to get the receipt date of xx, which is after the consummation date of 08/07/2024. |  |  |
| 97094098 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Utah | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows DSI vs. arrears discrepancy. Further details not provided. |  |  |
| 97094098 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 97094098 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Utah | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan documents. |  |  |
| 97094098 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. |  |  |
| 53475663 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test due to an APR calculated at 4.522%, exceeding the APR threshold of 4.350%. It is overcharged by +0.172%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d). |  |  |
| 53475663 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | This loan is FHA. The MI certificate is missing from the loan file. |  |  |
| 53475663 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failure charges that cannot increase the 0% tolerance test. The loan estimate dated xx does not reflect the loan origination fee. The CD dated xx reflects a loan origination fee of $6,382.26. This is an increase in fees of +$6,382.26 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase, originated on xx and the SOL is 1 year. |  |  |
| 53475663 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 53475663 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed the reimbursement amount validation test and the consummation or reimbursement date validation test. |  |  |
| 53475663 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows mortgage insurance certificate and mortgage insurance evidence are missing. Further details not provided. |  |  |
| 71513519 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $1,264,073.14. Calculated finance charge is $1,271,844.49 for an under disclosed amount of -$7,771.35. |  |  |
| 71513519 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan has no issues or defects. Further details not provided. |  |  |
| 85717515 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | South Carolina | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 85717515 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no issue, and the defect is satisfied. Further details not found. |  |  |
| 85717515 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50563811 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50563811 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows a TRID exception with an expired SOL, and the subject loan is a QM loan originated on xx. |  |  |
| 18707034 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at 27.98%. Tape and file show missing W2 and VOE. Lender defect. Subject originated xx and the 3-year SOL has expired. BWR has been 0X30 over the last 24 months. |  |  |
| 18707034 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 18707034 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx. Initial LE dated xx reflects Trust Review Fee [Custom Fee] at $0.00. Final CD dated xx reflects Trust Review Fee [Custom Fee] at $85.00. This is fee increase of $85.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is purchase case, originated on xx and the SOL is 1 year expired. |  |  |
| 12947718 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan documents. |  |  |
| 12947718 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect points-loan discount fee at $0.00 and transfer taxes at $0.35. CD dated xx, the points-loan discount fee-are at $836.13, and the transfer taxes are at $0.35. This is an increase in fees of $836.48 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx, and the SOL has expired. |  |  |
| 12947718 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test. |  |  |
| 12947718 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase 0% and 10% tolerance test. |  |  |
| 36317596 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 36317596 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan has no issues or defects. Further details not provided. |  |  |
| 71727756 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 71727756 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows no issue satisfied defect. Further details not provided. |  |  |
| 71727756 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 71727756 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41894805 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 41894805 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41894805 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows DSI vs. arrears discrepancy. Further details were not provided. |  |  |
| 14341499 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 35.03%. Tape shows the lender did not verify the SE income as the 2019-20 K1s and 1120s confirming the income loss are missing. Lender defect. The subject loan was originated on xx, and the 3-year SOL has expired. BWR1 has been SE for 6.5 years at xx. BWR2 has been SE for 3.5 years at xx., FICO 754, 0X30 since inception. |  |  |
| 14341499 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects Points - Loan Discount Fee at $1,208.00. Final CD dated xx reflects Points - Loan Discount Fee at $2,355.00. This is an increase in fee of +$1,147.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx and the 3-year SOL has expired. |  |  |
| 14341499 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 14341499 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan fails compliance delivery and timing test for the CD dated xx. The document tracker is missing and 3 business days were added to get the receipt date of xx, which is after the consummation date of xx. |  |  |
| 14341499 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 14341499 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without an appraisal. The PIW signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of xx. The current UPB is xx. |  |  |
| 14341499 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| 14341499 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 14341499 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 31600002 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflect Points - Loan Discount Fee at $6,688.00. CD dated xx reflects Points - Loan Discount Fee at $9,856.00. This is an increase in fee of $3,168.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. |  |  |
| 31600002 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test. |  |  |
| 31600002 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,856.00. Exceeds Fees threshold of $7,049.92 Over by +$2,806.08. <br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $9,856.00.<br>Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to Fees charged $9,856.00. Exceeds Fees threshold of $7,049.92 Over by +$2,806.08. <br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $9,856.00. |  |  |
| 31600002 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 31600002 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 24%. Tape shows the paystub, and the WVOE is missing from the loan file. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 4 months on the job as an operations & manufacturing employee at xx, 0X30 since inception, and xx equity in the subject. Review shows ATR confirmed. |  |  |
| 31600002 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan fails Qualified mortgage lending policy points and fees test due to Fees charged $9,856.00 Exceeds Fees threshold of $7,049.92 Over by +$2,806.08. <br> The below fee was included in the test:<br> Points - Loan Discount Fee paid by Borrower: $9,856.00. |  |  |
| 55578074 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the reimbursement amount validation, and the closing or reimbursement date validation test. |  |  |
| 55578074 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan closed with PIW. Zillow search shows an estimated value of xx. Current UPB xx. |  |  |
| 55578074 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | The loan failed GSE QM points and fees test due to fees charged of $11,290 exceeds fees threshold of $6,844.03 by $4,446.77.<br> The below fees are included in the test:<br> Mortgage Broker Fee (Indirect) $XXX<br> Points - Loan Discount Fee paid by Borrower: $4,648.30<br>The loan failed QM lending policy points and fees test points and fees test due to fees charged of $11,290 exceeds fees threshold of $6,844.03 by $4,446.77.<br> The below fees are included in the test:<br> Mortgage Broker Fee (Indirect) $XXX<br> Points - Loan Discount Fee paid by Borrower: $4,648.30 |  |  |
| 55578074 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed the charges that cannot increase test due to an increase or addition of a charge in the amount of $1,854.30 and the charges that in total cannot increase more than 10% test due to an increase or addition of a charge in the amount of $312.50. The subject is a refinance transaction originated on xx, and the 3-year SOL has expired. |  |  |
| 17295318 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 17295318 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no issue, and the defect is satisfied. Further details not found. |  |  |
| 20936028 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit Report is missing from the loan file. |  |  |
| 20936028 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan failed state regulations interest rate test due to the loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the property is located. Interest rate charged 5.000% exceeds threshold of 2.000% over by +3.000%<br> . |  |  |
| 20936028 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 20936028 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 20936028 | xx | Full Review | xx | xx | 3c65f5f0-7184-4874-ba34-91814b7de42d | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Type of Ownership is Leasehold or Cooperative (Lvl 4) | The title defect of the UT report dated xx shows that the property is a unit in a cooperative. The subject loan originated on xx with a maturity date of xx. As per the lease agreement located at xx Page #3219, the lease terms started on xx and will continue until 12/31/2031. |  |  |
| 20936028 | xx | Full Review | xx | xx | 7efbe0ea-64cc-40ba-8e1d-bfe81b22bfa4 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 3: Curable | \* Mortgage Riders incomplete / inaccurate (Lvl 3) | Mortgage riders are missing from the loan file. |  |  |
| 20936028 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | The affiliated business disclosure is missing from the loan documents |  |  |
| 20936028 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees at $5,636.96. CD dated xx reflects the sum of Section C fee at $594.0. This is a cumulative increase of +$5,042.96 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. |  |  |
| 60367351 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | This loan is FHA. MI certificate is missing from the loan file. |  |  |
| 60367351 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the loan file show the mortgage insurance certificate and mortgage insurance evidence are missing. Further details are not provided. |  |  |
| 60367351 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan documents. |  |  |
| 97239580 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 97239580 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final HUD. CE was tested using the latest itemization in the file. |  |  |
| 97239580 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no issue, and the defect is satisfied. Further details not found. |  |  |
| 35673386 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no issue, and the defect is satisfied. Further details not found. |  |  |
| 72456269 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 45%. Tape shows increased DTI of 54.15%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has been SE for 4.6 years at xx, FICO 714, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 72456269 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 72456269 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as $124,636.33. Calculated finance charge is $124,866.33 for an under disclosed amount of -$230.00. |  |  |
| 72456269 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Your home loan toolkit disclosure tracking is missing in the loan file. |  |  |
| 2204392 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase 0% tolerance test. |  |  |
| 2204392 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test. |  |  |
| 2204392 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect relock at market rate [Custom Fee] at $0.00, Lender's title Insurance Policy at $645.00, and Title-Closing/Escrow [Custom Fee] at $350.00. Due to CD dated xx, it reflects a relock at market rate [custom fee] at $222.50, a lender's title insurance policy at $285.00, and title closing/escrow [custom fee] at $15.00. This is an increase in fee of $247.62 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance originated on xx, and the SOL has expired. |  |  |
| 29834616 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.03%. Tape shows revised DTI of 61.91%, which exceeds loan program guideline limit of 50%, and supporting documents for other income of $1,200 used for qualification are missing. Further details not provided. Lender defect. The subject originated on xx, and the 3-year SOL is active. BWR has been a property assistant for 4.95 years at xx, FICO 808, 0X30 in the last 24 months, xx equity in the subject, and $2,138 residual income. |  |  |
| 29834616 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the TRID Rate Lock Disclosure Delivery Date Test (12 CFR §1026.19(e)(3)(iv)(D)). A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate-dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx. |  |  |
| 29834616 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 29834616 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx reflects a point-processing fee of $1025 and an appraisal fee of $515. CD dated xx reflects a point-processing fee at $565 and an appraisal fee at $590. This is an increase in fees of $75.43 for charges that cannot increase. |  |  |
| 76353748 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT violating predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 76353748 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 76353748 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject property is in UAL state and missing HUD-1. Further details not provided. |  |  |
| 76353748 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 79395966 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 79395966 | xx | Full Review | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 2) | The home equity loan notice of address for borrower notification of violation is missing from the loan file. |  |  |
| 79395966 | xx | Full Review | xx | xx | 7efbe0ea-64cc-40ba-8e1d-bfe81b22bfa4 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage Riders incomplete / inaccurate (Lvl 2) | Mortgage riders are incomplete/inaccurate. |  |  |
| 79395966 | xx | Full Review | xx | xx | fe27b315-3739-4437-8f1e-4b8e5fc6e00c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3) | Home equity loan copies of documents are missing from the loan file. |  |  |
| 79395966 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at 32.42%. Tape shows income debt miscalculation. Further details not provided. Lender defect. The revised DTI is 51.16%. The subject loan was originated on xx, and the 3-year SOL has expired. BWR receives SSI, or VA compensation, has a FICO score of 679, and has xx equity in the subject. |  |  |
| 79395966 | xx | Full Review | xx | xx | 00cd6ab5-30b8-429d-bda4-e51b9dbf3576 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Consumer Disclosure is missing from the loan file (Lvl 3) | The home equity consumer disclosure is missing from the loan file. |  |  |
| 79395966 | xx | Full Review | xx | xx | da2a7ebc-5993-445f-8fd8-49e03aadfec2 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) | Home equity Loan interest and fees pre-closing disclosure is missing from the loan file. |  |  |
| 85759334 | xx | Full Review | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | The truth in lending is not hand-dated by the borrower. |  |  |
| 85759334 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The right of rescission is missing from the loan documents. |  |  |
| 85759334 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape defect shows no issue/defect satisfied. No further details have been found. |  |  |
| 85759334 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 85759334 | xx | Full Review | xx | xx | bb1c1688-1548-4cc5-bf6e-71a3be761d91 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Balloon Rider Missing (Lvl 2) | Balloon rider is missing from the loan documents. |  |  |
| 72279047 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 44.02%, as the borrower's income is $7,599.00 and total expenses are in the amount of $3,345.60. The loan was underwritten by AUS, and its recommendation is "Referred" with a DTI of 44.03%. |  |  |
| 72279047 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 72279047 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer is missing from loan documents. |  |  |
| 72279047 | xx | Full Review | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan documents. |  |  |
| 72279047 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and file show the AUS recommendation for the subject loan is Refer with a DTI of 44.03%. |  |  |
| 91425417 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TILA finance charge test due to calculated finance charge of $87,966.30 exceeds the disclosed finance charge of $76,418.29 by $11,548.01. Loan failed the TILA APR test due to calculated APR of 4.993% exceeds the disclosed APR of 4.447% by -0.546%. |  |  |
| 91425417 | xx | Full Review | xx | xx | 30f5ee14-9cca-47bb-8ed2-40f698aea049 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | \* Type of Ownership is Leasehold Or Cooperative (Lvl 3) | The subject leasehold agreement is in the file (Located at Ln#xx page #13), and the leasehold term expires on 8/29/2048, and the mortgage matures on xx. Elevated for client review. |  |  |
| 91425417 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. The subject loan is a refinance, originated on xx, and the SOL is expired. |  |  |
| 91425417 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 91425417 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan did not fail TRID test. |  |  |
| 16171239 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 16171239 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 36.31%. Tape shows the calculated investor qualifying DTI ratio of 52.86% exceeds the approved DTI of 36.32% and missing VOE. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL has expired. BWR1 has been SE for 12.25 years at xx. BWR2 has 9.5 years on the job as an accountant at xx, FICO 732 and 0X30 over the last 24 months. |  |  |
| 16171239 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 17546819 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx reflects points—loan discount fee at $858.00. The CD dated xx reflects points—a loan discount fee at $1,071.54. This is an increase in fee of +$213.54 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx, and the 3-year SOL has expired. |  |  |
| 17546819 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 17546819 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 17546819 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB: xx. |  |  |
| 17546819 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 30%. Tape shows increased DTI of 35.63%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 10 months on the job as a VP of BI & data strategy with xx, FICO 652, 0X30 in the last 24 months, and $8K residual income. |  |  |
| 5363453 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 5363453 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 5363453 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 45.92%. The tape and review of the file show the letter of employment gaps and source of the earnest money deposit are missing. Revised DTI is 47.81%. Further details not provided. Lender defect. The subject originated on xx, and the 3-year SOL has expired. BWR has 8 months on the job as a xx. BWR had multiple jobs in the past 2 years in the same line of work. FICO 746, $15k equity in the subject, and residual income of $2,868. |  |  |
| 5363453 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed ComplianceEase delivery and timing test for initial CD dated xx. Document tracker is missing and 3 business days were added to get receipt date xx which is on the consummation date 04/13/2018. |  |  |
| 5363453 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are not failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 5363453 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.92%, as the borrower's income is $5,720.03 and total expenses are in the amount of $2,627.17 and the loan was underwritten by DU (Locator#xx PG#52) and its recommendation is approve/eligible with a DTI of 45.93%. |  |  |
| 21123716 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx. Initial LE dated xx reflects Points - Loan Discount Fee & State Tax/Stamps at $0.00 & $0.00. Final CD dated xx reflects Points - Loan Discount Fee & State Tax/Stamps at $150.00. This is fee increase of $497.75 & $656.75 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is purchase case, originated on xx and the SOL is 1 year expired.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees and Recording fee at $47.00. CD dated xx reflects the sum of Section C and Recording fee at $1155.52. This is a cumulative increase of $309.62 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. |  |  |
| 21123716 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no issue, and the defect is satisfied. Further details not found. |  |  |
| 21123716 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 21123716 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Evidence of hazard insurance is missing from the loan documents. |  |  |
| 21123716 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.105% exceeds APR threshold of 6.000% over by +2.105%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 15583430 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 15583430 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no issue or defect satisfied. Further details not provided. |  |  |
| 45600212 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45600212 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 45600212 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 45600212 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.51%. The tape reflects an increased DTI of 59.39%. Further details not provided. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 14.83 years on the job as an agent with xx, a FICO score of 673, 0X30 in the last 24 months, xx equity in the subject, and $1,768 residual income. |  |  |
| 45600212 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx does not reflect Points - Loan Discount Fee. CD dated xx reflects Points - Loan Discount Fee at $1,518.75. This is an increase in fees of $1,518.75 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance, originated on xx, and the 3-year SOL has expired. |  |  |
| 45600212 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase 0% tolerance test. |  |  |
| 19295155 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete because the initial CD is missing from the loan documents. |  |  |
| 19295155 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Compliance is failing for state regulations PA license validation test. |  |  |
| 19295155 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 32.72%. The tape shows SE income could not be verified using reasonably reliable third-party records. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL will expire on 8/31/25. BWR has been SE for 3.33 years as a driver, has a FICO of 731, has had 0X30 in the last 24 months, and has xx equity in the subject. The review shows ATR confirmed. |  |  |
| 19295155 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan documents. |  |  |
| 19295155 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from loan documents. |  |  |
| 6705153 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan fails prohibited fees test. The below fees were included in the test: Tax Service Fee paid by Borrower: $79.00 Lender's Title Insurance Policy paid by Borrower: $300.00 |  |  |
| 6705153 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 6705153 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal document is missing. |  |  |
| 6705153 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 6705153 | xx | Full Review | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | The initial good faith estimate is missing from the loan document. |  |  |
| 6705153 | xx | Full Review | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | The final good faith estimate is missing from the loan document. |  |  |
| 6705153 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 6705153 | xx | Full Review | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | The initial truth in lending is missing from the loan document. |  |  |
| 6705153 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Iowa | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no issue. Further details not provided. |  |  |
| 2281418 | xx | Full Review | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | The final transmittal summary is missing from the loan documents. |  |  |
| 2281418 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 67.30%, as the borrower's income is $1,753.75 and total expenses are in the amount of $1,180.44, and AUS/LP report is missing from the loan documents. |  |  |
| 2281418 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 67.30%. Tape shows the total DTI exceeds the allowable DTI of 43%, and review of the file shows ATR could not be determined as AUS, 1008, and loan approval is missing from the loan documents. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL has expired. BWR receives social security income, FICO 786 and 0X30 over the last 24 months. |  |  |
| 2281418 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 2281418 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan file. |  |  |
| 91095835 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 1: Acceptable | \* ComplianceEase Exceptions Test Failed (Lvl 1) | The loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 91095835 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects points - loan discount fee at $0.00. CD dated xx reflects points - loan discount fee at $6410.25. This is an increase in fee of $6410.25 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. |  |  |
| 91095835 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The loan was originated on xx. Tape shows EPD. According to payment history as of 6/1/2025, the borrower is current with the loan and the next due date is 7/1/2025. The current UPB reflected as per the payment history is $926,007.00. |  |  |
| 66008438 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from loan documents. |  |  |
| 66008438 | xx | Full Review | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-1 is not signed by the borrower. |  |  |
| 66008438 | xx | Full Review | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | xx | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR transaction date is xx, note date is xx and HUD-1 shows settlement date is xx. |  |  |
| 66008438 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to final TIL is missing from loan documents. |  |  |
| 66008438 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 66008438 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows "defect satisfied." Further details were not provided. |  |  |
| 66008438 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | Washington | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial 1003 signed by loan originator is missing from loan documents. |  |  |
| 22182269 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22182269 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with the itemization of fees and estimated HUD-1, is missing from the loan documents. |  |  |
| 22182269 | xx | Full Review | xx | xx | 47ab46b4-0fbc-4f6c-9428-bd583140dad9 | xx | xx | xx | Pre-QM | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Credit score not provided (Lvl 2) | The credit report is missing from the loan file. |  |  |
| 22182269 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | Pre-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The subject loan is NOO. The tape and review of the file show the final HUD-1 is missing from the loan documents, and the subject property is located in a UAL state. Further details not provided. |  |  |
| 22182269 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan file. |  |  |
| 75937575 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1, along with the estimated HUD-1 and fee itemization, is missing from the loan documents. Tape shows HUD-1 is missing, and the subject property is located in a UAL state. |  |  |
| 75937575 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 75937575 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 75937575 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 75937575 | xx | Full Review | xx | xx | 145d6e17-2165-4f5a-8058-8c02e362107f | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) | This loan is from the state of New Jersey, which has unlimited assignee liability for state high cost, and we are unable to test compliance due to missing HUD. |  |  |
| 75937575 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 75937575 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB is xx. |  |  |
| 66990287 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 6.119% exceeds APR threshold of 5.570% over by +0.549. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 66990287 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 66990287 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject loan closed as non-compliant HPML. Infinity compliance test result shows the loan failed HPML test. |  |  |
| 93641432 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 93641432 | xx | Full Review | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | The final good faith estimate is missing from the loan documents. |  |  |
| 93641432 | xx | Full Review | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | The initial Truth in Lending Disclosure is missing from the loan documents. |  |  |
| 93641432 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93641432 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing |  |  |
| 93641432 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Delaware | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape, the defect shows no issue or defect satisfied. Further details not provided. |  |  |
| 33600191 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 33600191 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 33600191 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Connecticut license validation test. (CT HB 5577 Section 39(b)) First mortgage lender licenses and secondary mortgage lender licenses in existence on xx shall be deemed on and after July 1st, 2008, to be a mortgage lender license. |  |  |
| 33600191 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape defect shows no issue/defect satisfied. Further details are not provided. |  |  |
| 55012143 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 177.404%, as the borrower's income is $1,733.90 and total expenses are in the amount of $3,076.00. The AUS report is missing from the loan documents. The subject loan was originated on xx, and the 3-year SOL has expired. |  |  |
| 55012143 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 55012143 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 55012143 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | Loan is closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 55012143 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 177.40%. Tape shows ATR issue. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL has expired. BWR receives SSI income, FICO 732, and 1X30 in the last 24 months. |  |  |
| 55012143 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx does not reflect Rate Lock Fee. Final CD dated xx reflects Rate Lock Fee at $512.99. This is an increased fee in the amount of +$512.99 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx, and the 3-year SOL has expired. |  |  |
| 38158658 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 38158658 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows a DSI vs. arrears discrepancy. Further details not provided. |  |  |
| 14679119 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 14679119 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 14679119 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to APR calculated 5.372% exceeds APR threshold 4.730% over by +0.642%. |  |  |
| 14679119 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan is HPML non-compliant. Infinity compliance report shows the loan failed the HPML test. Further details are not provided. |  |  |
| 14679119 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees at $3,046.98. CD dated xx reflects the sum of Section C fee at $2,645.50. This is a cumulative increase of +$401.48 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. |  |  |
| 14679119 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 5.372% exceeds the APR threshold of 4.490% by +0.882%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d). |  |  |
| 14679119 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final closing disclosure missing from the loan file. |  |  |
| 27248531 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows qualifying assets for closing are less than cash from the borrower. Assets are insufficient for closing. Bank statements in the file show $86K, and the cash-to-close requirement is xx. Further details not provided. The subject loan originated on xx. |  |  |
| 27248531 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulations prohibited fees test. The following fees were included in the test: HOA Capital Contribution paid by Borrower: $250.00 Maintenance - Dec HOA Dues paid by Borrower: $300.00 Optional Legal Fee paid by Borrower: $1,165.00. |  |  |
| 27248531 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 43.86%. Tape shows SE income documentation is not sufficient, as the BWR's strength of SE business reflects a significant decline in earnings. Revised DTI is 52.29%. Further details not provided. BWR defect. The subject originated on xx, and the 3-year SOL has expired. BWR1 has been SE for 34.03 years at xx. BWR2 has 34.03 years on the job as a nurse manager with xx, a FICO of 790, xx equity in the subject, 0X30 over the last 24 months, and a residual income of $12,719. |  |  |
| 3600870 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was changed from conventional fixed rate to ARM and the required ARM loan program disclosure was not provided within the 3 days. Further details not provided. |  |  |
| 3600870 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 31519475 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. |  |  |
| 31519475 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 31519475 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance policy is missing from the loan documents. |  |  |
| 31519475 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 31519475 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 31519475 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects Credit Report Fee at $16.00. Final CD dated xx reflects Credit Report Fee at $16.40. This is an increase in fee of +$0.40 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx and the 3-year SOL has expired. |  |  |
| 31519475 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows TRID exception. Further details not provided. Infinity CE report shows the loan failed the TRID tolerance test. |  |  |
| 30034381 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | MI certificate is missing from the loan documents. |  |  |
| 30034381 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the file shows the MI certificate is missing from the loan documents. Further details not provided. |  |  |
| 64907885 | xx | Full Review | xx | xx | 8422c6cc-4447-4f95-a328-2a159c966e2d | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Condo / PUD rider Missing (Lvl 2) | Condominium rider is missing from the loan documents. |  |  |
| 64907885 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64907885 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB xx. |  |  |
| 64907885 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Connecticut license validation test due to the first mortgage lender licenses and secondary mortgage lender licenses in existence on xx shall be deemed on and after July 1st, 2008, to be a mortgage lender license. |  |  |
| 64907885 | xx | Full Review | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand-dated by the borrower. |  |  |
| 64907885 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per tape data, there is no issue or defect satisfied. Further details not provided. |  |  |
| 64907885 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | Connecticut | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial 1003 signed by the loan originator is missing from the loan documents. |  |  |
| 77581508 | xx | Full Review | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | The initial loan estimate is missing from the loan documents. |  |  |
| 77581508 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 67.53%. ATR could not be determined as the income docs and asset docs are inconsistent. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 4 years on the job as a taxi driver with xx, FICO 669, and 0X30 in the last 24 months. |  |  |
| 77581508 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 77581508 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The settlement service providers list is missing from the loan documents. |  |  |
| 77581508 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Compliance is failing for state regulations PA license validation test. |  |  |
| 77581508 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB: xx. |  |  |
| 77581508 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal is missing. |  |  |
| 77581508 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete due to initial LE is missing from the loan documents. |  |  |
| 77581508 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 67.53%, as the borrower's income is $954.42 and total expenses are in the amount of $644.54, and the loan was underwritten by DU (xx PG#126), and its recommendation is "Approve/Eligible" with a DTI of 67.53%. |  |  |
| 77581508 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. Finance charge disclosed on final CD as $65,379.99. The calculated finance charge is $65,265.99 for an undisclosed amount of -$114.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. <br>The loan failed TILA foreclosure rescission finance charge of $65,344.99 exceeds disclosed finance charge of $65,265.99 by -$79.00.<br>The subject loan is a refinance, originated on 2/28/2017, and the 3-year SOL has expired. |  |  |
| 73718584 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.83%. Tape shows the calculated investor qualifying DTI ratio of 51.66% exceeds approved DTI of 49.84%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 2.58 years on the job as a firefighter paramedic at the xx, FICO 752 and xx equity in the subject. Review shows ATR confirmed. |  |  |
| 73718584 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 73718584 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $559,666.97. Calculated finance charge is $560,056.44 for an under disclosed amount of -$389.47. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 73718584 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects Points - Loan Discount Fee at $1,170.00. Final CD dated xx reflects Points - Loan Discount Fee at $1,868.18. This is an increase in fee of +$698.18 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 65349874 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 65349874 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 19.88%. The tape shows income could not be verified as the WVOE is more than 90 days at closing. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL will expire on 7/28/2025. BWR has 1 year on the job as an analytics director with xx, FICO 804, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 65349874 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflect Transfer Taxes Fee at $2,020.00. CD dated xx reflects Transfer Taxes Fee at $2,360.00. This is an increase in fee of $340.00 for charges that cannot increase. <br> Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees at $2,415.90 CD dated xx reflects the sum of Section C at $1,009.80. This is a cumulative increase of +$1,406.10 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. |  |  |
| 65349874 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed TRID total of payments test due to charge $522,293.19 allow $525,365.14 less by -$3,071.95.<br> A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx, xx and xx. |  |  |
| 58965256 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx does not reflect Inspection Fee. Final CD dated xx reflects Inspection Fee at $125.00. This is an increase in fee of +$125.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 58965256 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 58965256 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 58965256 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape and review of the file show 2 months of assets are missing from the loan documents. The bank statement in the file shows $61K in assets; a down payment of $26K satisfies the cash-to-close requirement of xx. Further details not provided. BWR has been an SE for 8 years at xx, with a FICO score of 770 and xx equity in the subject. |  |  |
| 69025683 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance policy is missing from the loan documents. |  |  |
| 69025683 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 69025683 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 69025683 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees at $2,025.00. CD dated xx reflects the sum of Section C fee at $2,312.00. This is a cumulative increase of +$84.50 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 69025683 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan has no issues or defects. Further details not provided. |  |  |
| 69025683 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $10,510.61 exceed fees threshold of $10,189.58 over by +$321.03.<br> The below fees were included in this test:<br> Commitment Fee paid by Borrower: $995.00<br> Loan Origination Fee paid by Borrower: $5,531.76<br> Points - Loan Discount Fee paid by Borrower: $3,983.85.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $10,510.61 exceed fees threshold of $10,189.58 over by +$321.03.<br> The below fees were included in this test:<br> Commitment Fee paid by Borrower: $995.00<br> Loan Origination Fee paid by Borrower: $5,531.76<br> Points - Loan Discount Fee paid by Borrower: $3,983.85. |  |  |
| 6277106 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prepayment term test due to loan has prepayment of 12 months. |  |  |
| 6277106 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to calculated APR of 0.000% exceeds the disclosed APR of 3.446% under disclosed by -3.446%. The final TIL is missing from the loan documents. |  |  |
| 6277106 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL signed by the borrower is missing from the loan documents. |  |  |
| 6277106 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan not amortizing according to the terms of the note/modification. |  |  |
| 16119274 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no issues or defects on the subject loan. Further details not provided. |  |  |
| 12019959 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 12019959 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase test due to increase of fee in Final CD dated xx. Initial LE dated xx reflects Appraisal Review Fee at $0.00. Final CD dated xx reflects Appraisal Review Fee at $715.15. This is fee increase of $715.15 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is refinance case, originated on xx and the SOL is 3 year expired. |  |  |
| 12019959 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at 43.47%. Tape shows revised DTI of 50.32%. Further details not provided. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 18 years on the job as an automotive technician with xx, FICO 750, 0X30 in the last 24 months, xx equity in the subject, and $1,971 residual income. |  |  |
| 12019959 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance is missing from the loan file. |  |  |
| 12019959 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan has a TRID violation, and the SOL has expired. Further details not provided. Infinity compliance report shows the loan failed charges that cannot increase 0% tolerance test. |  |  |
| 80707808 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 80707808 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape, no issue or defect was satisfied. Further details not provided. |  |  |
| 80707808 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 80707808 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan file. Zillow shows an estimated value amount of xx. The current UPB is xx. |  |  |
| 80707808 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed the charges that cannot increase 0% tolerance test. The loan estimate (LE) dated xx reflects a credit report fee of $17.00 and does not reflect intangible tax of $321.60 & state tax/stamps of $562.80. The Closing Disclosure (CD) dated xx reflects a credit report fee of $17.12 & an intangible tax of $321.60 & state tax/stamps of $562.80. This represents an increase in fees of $884.52 for charges that cannot increase. A valid change of circumstance (COC) for the increase in fee is missing from the loan documents. |  |  |
| 80707808 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Evidence of hazard insurance is missing from the loan documents. |  |  |
| 18474123 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect Appraisal Re-Inspection fee. Final CD dated xx reflects Appraisal Re-Inspection fee at $175.00. This is an increase in fee of $175.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx and the SOL is 1-year. |  |  |
| 18474123 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows the source of funds does not meet guidelines. Review of loan file shows bank statements in the loan file shows $102,764.62. Final CD shows cash to close requirement of xx. Verified gifts of $42k satisfy the cash to close requirement. Further details not provided. Subject loan originated on xx. BWR has 2.25 years on the job as a production manager at xx, FICO 759 and xx equity in the subject. |  |  |
| 18474123 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx and the SOL is 1-year. |  |  |
| 63089864 | xx | Full Review | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement service providers list and purchase home loan toolkit is missing from loan documents. |  |  |
| 63089864 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 63089864 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from loan documents. |  |  |
| 63089864 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape shows the closing attorney misplaced the original assignment of lease from the seller to the buyer, and XXX would not accept a post-funding executed document. The investor was not willing to purchase, and the lender did not approve selling co-op loans to Freddie Mac. Further details not provided. |  |  |
| 63089864 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance is incomplete due to initial CD is missing from loan documents. Subject loan is a purchase, originated on xx and the SOL is 1 year. |  |  |
| 63089864 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. |  |  |
| 63089864 | xx | Full Review | xx | xx | 30f5ee14-9cca-47bb-8ed2-40f698aea049 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Credit | Active | 4: Unacceptable | \* Type of Ownership is Leasehold Or Cooperative (Lvl 4) | The subject loan originated on xx with a maturity date of xx. As per the lease agreement located at "xx PG# 44," the ground lease is held by xx, and the leasehold expires on 12/31/2035. |  |  |
| 9153510 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 9153510 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show BWR has only one open authorized user account. Review shows ATR confirmed as WVOE supports income. |  |  |
| 39773827 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 48.51%. Tape shows income miscalculation. Review shows lender excluded liabilities and did not include rental loss in DTI. Revised DTI 62.58%. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has been SE for 15.08 years at xx. BWR2 has 1.75 years on the job as a receptionist with xx, FICO 709, and xx equity in the subject. |  |  |
| 39773827 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to the fees charged, $16,201.50, exceed the fees threshold of $15,941.84 by +$259.66. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $14,601.50 Processing Fee paid by Borrower: $605.00 Underwriting Fee paid by Borrower: $995.00 |  |  |
| 39773827 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan fails the qualified mortgage lending policy points and fees test due to the fees charged, $16,201.50, exceed the fees threshold of $15,941.84 by +$259.66. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $14,601.50 Processing Fee paid by Borrower: $605.00 Underwriting Fee paid by Borrower: $995.00 |  |  |
| 29254067 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the New York subprime home loan initial loan estimate delivery date validation test, as the initial loan estimate delivery date is required to determine the fully indexed rate as used in the New York subprime home loan definition. |  |  |
| 29254067 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 41.81%. Tape shows hourly wage income of BWR1 and BWR2 is not supported by 1-year history. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has 9.5 months on the job as an installer with xx, BWR2 has 1.25 years on the job as a librarian with xx, FICO 704, and xx equity in the subject. |  |  |
| 29254067 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial CD is missing from the loan documents. |  |  |
| 29254067 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 29254067 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete, as the initial LE and initial CD are missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL is expired. |  |  |
| 29254067 | xx | Full Review | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | The initial LE is missing from the loan documents. |  |  |
| 24665485 | xx | Full Review | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial LE is missing from the loan documents. |  |  |
| 24665485 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 24665485 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete, as the initial LE is missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL is expired. |  |  |
| 24665485 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Doc Issue | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 24665485 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows BWR intends to pay off the loan shortly after closing. Further details not provided. |  |  |
| 1362087 | xx | Full Review | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | The flood certificate is missing from the loan documents. |  |  |
| 1362087 | xx | Full Review | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial LE is missing from the loan documents. |  |  |
| 1362087 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Doc Issue | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | The servicing transfer disclosure is missing from the loan documents. |  |  |
| 1362087 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 1362087 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 35.79%. Tape shows income miscalculation revised DTI of 50%. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 10 months on the job as a radiologic technologist with xx, FICO 812, 1X30 since inception, xx equity in the subject, and $1,107 residual income. Review shows ATR confirmed. |  |  |
| 1362087 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | The initial application signed by the loan originator is missing from the loan documents. |  |  |
| 1362087 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | The TRID tolerance test is incomplete, as the initial LE is missing from the loan documents. Subject loan is purchase case, originated on xx and the SOL is 1 year. |  |  |
| 58653767 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows a compliance error in disclosing the loan. Infinity compliance testing report does not fail any compliance tests. Further details not provided. |  |  |
| 53499301 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 53499301 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.78%. The Lender miscalculated SSI. Lender defect. Revised DTI 54.56%. Subject loan originated xx and the 3-year SOL is active. The BWR receives annuity, retirement and SSI, FICO 785, $2,335 residual income, 0X30 since inception and xx equity in the subject. |  |  |
| 85749302 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 85749302 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 43.18%. The tape shows the credit report expired prior to closing and an increased DTI of 46.44%. Further details not provided. The subject loan originated on xx, and the 3-year SOL is active. BWR has 5 months on the job as a human resources coordinator with xx, FICO 717, 0X30 in the last 24 months, xx equity in the subject, and $2,253 residual income. Review shows ATR confirmed. |  |  |
| 40851282 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 40851282 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows early payoff. The borrower inaccurately communicated that they were going to pay off the loan shortly after closing. According to payment history as of 05/07/2025, the borrower is current with the loan, and the next due date is 06/01/2025. The current UPB is xx. |  |  |
| 37413523 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from loan file. |  |  |
| 37413523 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 37413523 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 37413523 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects Transfer Taxes at $2,354.00. CD dated xx reflects Transfer Taxes at $2,357.43. This is an increase in fee of +$3.43 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 37413523 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows EPD, borrower was revolving 30-day late, not insured. Borrower has a history of revolving late. According to payment history as of 05/05/2025, the borrower has been delinquent with the loan for 1 month, and the next due date is 04/01/2025. The current UPB reflected as per the payment history is $413,795.92. |  |  |
| 37413523 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 42.14%. Tape shows SE income miscalculation as the lender qualified BWR using only 1-year tax return instead of 2-year tax return. Revised DTI is 64.91%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has been SE as a realtor for 2.25 years, FICO 633, xx equity in the subject and $2154 residual income. |  |  |
| 21328762 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.16%. The Lender used commission income with less than 1 year of earning commission. Lender defect. Revised DTI 64.80%. Subject loan originated xx and the 3-year SOL is active. The BWR is employed with xx as an outside account executive earning commission only for 11 months, BWR2 is SE in construction & renovation for 3.7 years, FICO 681, 0x30 since inception, $1,730 residual income and xx equity in the subject. |  |  |
| 13273768 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx does not reflect Points - Loan Discount Fee. Final CD dated xx reflects Points - Loan Discount Fee at $3,497.00. This is an increase in fees of $3,497.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx, and the SOL is 3-year. |  |  |
| 13273768 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject VA loan was approved at 55.32%. The Lender excluded liabilities. Lender defect. Revised DTI 65.81%. Subject loan originated xx and the 3-year SOL is active. Both BWR's receive VA benefits and BWR2 also receives a pension, FICO 653, $3,147 residual income and xx equity in the subject. |  |  |
| 13273768 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. The subject loan is a refinance, originated on xx, and the SOL is 3-year. |  |  |
| 13273768 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and review of the net tangible benefit worksheet show the BWR received no benefit through refinancing of the loan. Review of file shows BWR received $1490 cash at closing. Further details not provided. |  |  |
| 39559542 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed QM safe harbor threshold test due to APR calculated of 8.568% exceeds APR threshold of 8.160% over by +0.408%. |  |  |
| 39559542 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx Pg#405," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "Ln#xx.pdf PG# 18 and PG# 21" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| 39559542 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan approved without a FICO score on BWR and the home buyer education certificate is missing. Further details not provided. |  |  |
| 39559542 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.904% exceeds APR threshold of 8.160% over by +0.744%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed OK HOEPA Higher-Priced mortgage loan threshold test due to APR calculated of 8.904% exceeds APR threshold of 8.160% over by +0.744%. |  |  |
| 2792562 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Tape and review of the file show initial CD is missing from the loan documents. |  |  |
| 2792562 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2792562 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from the loan documents. |  |  |
| 2792562 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Tape shows service providers list is missing. Review of the loan file shows service providers list is available in the loan documents. |  |  |
| 2792562 | xx | Full Review | xx | xx | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ComplianceEase State/Local Predatory Test Failed (Lvl 4) | Loan fails the TX Constitution A6 Required Fees Test due to fees charged $12,937.50 exceed fees threshold of $9,000.00 over by $3,937.50.<br> Discount point acknowledgment disclosure is available; the signed rate lock agreement and par rate pricing sheet are missing from the loan documents.<br> The below fees were included in the test: Appraisal Re-inspection fee paid by borrower: $175.00 Attorney fee paid by borrower: $200.00 Credit Report Fee paid by Borrower: $37.00 Guaranty Fee paid by Borrower: $2.00 Lender Fee paid by Borrower: $1,795.00 Mortgage Broker Fee paid by Borrower: $XXX Points—Loan Discount Fee paid by Borrower: $3,937.50 Recording fee paid by borrower: $160.00 Settlement or Closing Fee paid by borrower: $250.00 Tax service fee paid by borrower: $64.00 Title Courier Fee paid by borrower: $8.00<br> Per statute, the 4-year SOL is active. |  |  |
| 2792562 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Tape and review of the file shows homeownership counseling disclosure is missing from the loan documents. |  |  |
| 2792562 | xx | Full Review | xx | xx | da2a7ebc-5993-445f-8fd8-49e03aadfec2 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) | Home equity loan interest and fees pre-closing disclosure is missing from the loan documents. |  |  |
| 2792562 | xx | Full Review | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required State Disclosures (Lvl 3) | Tape and review of the file show the Texas F2 notice of home equity disclosure is missing from the loan documents, as receipt of the disclosure at least 12 days prior to closing is not evidenced in the file. |  |  |
| 2792562 | xx | Full Review | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation is missing from the loan documents. |  |  |
| 2792562 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) because an APR calculated at 6.710% exceeds the APR threshold of 5.990% by +0.720%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d). |  |  |
| 2792562 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the calculated initial P&I amount does not match the initial P&I payment amount. Further details not provided. |  |  |
| 85205751 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.643% exceeds APR threshold of 8.440% over by +0.203%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 85205751 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 48.90%. Tape shows unable to verify non-BWR spouse pays XXX car payment. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 15.91 years on the job as a union employee at xx, FICO 701, 0X30 since inception and xx equity in the subject. Review shows post=closing doc in file shows non-BWR spouse pays XXX. ATR confirmed. |  |  |
| 93116387 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93116387 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.65%. Tape shows miscalculation of BWR's income. Credit docs in file corrupted; unable to review. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 3.25 years on the job as an assembly builder at xx, FICO 776, 0X30 since inception and xx equity in the subject. |  |  |
| 67958033 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.241% exceeding the APR threshold of 8.570% by +0.671%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). |  |  |
| 67958033 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 67958033 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 67958033 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 67958033 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test.<br> Initial LE dated xx does not reflect Points - Loan Discount Fee. Final CD dated xx reflects Points - Loan Discount Fee at $1,281.00.<br> Initial LE dated xx does not reflect Funding, Wire, or Disbursement Fee. Final CD dated xx reflects Funding, Wire, or Disbursement Fee at $995.00. <br> This is a cumulative increase in fee of +$2,276.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 67958033 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 67958033 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows the assets does not meet the 3 months of minimum reserve required. Verified assets shortfall for closing. Bank statement shows $51,039.47 in assets and the cash-to-close requirement is xx. Further details not provided. BWR1 has 7 months on the job as a shift manager at xx and BWR2 has 4 months on the job as a store manager at xx, FICO 704. |  |  |
| 67958033 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 39410952 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 7.779% exceeding the APR threshold of 7.620% by +0.159%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). |  |  |
| 39410952 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape shows BWR did not move into subject right after closing. Tape shows BWR has since moved into the subject. Further details not provided. |  |  |
| 39410952 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 37.09%. Tape shows the subject is NOO as BWR did not move into the property right after closing. Causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL is active. BWR has been SE for 8.75 years at xx, FICO 694 and xx equity in the subject. |  |  |
| 39410952 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 28270712 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 28270712 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the borrower's credit score is being assessed based on their role as an authorized user on an existing credit account. Review shows ATR confirmed. |  |  |
| 28270712 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance certificate is missing from the loan documents. |  |  |
| 36616793 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 55.91%. The tape reflects an increased DTI of 57%. Further details not provided. The subject loan originated on xx and the 3-year SOL is active. BWR receives social security and retirement income. FICO 709, 0X30 since inception. Review shows ATR confirmed. |  |  |
| 36616793 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulations for the prohibited fees test. <br> The following fee was included in the test:<br> Title CPL Fee paid by Borrower: $75.00. |  |  |
| 36616793 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does meet the VA net tangible benefit for guaranty. Further details not provided. The file shows BWR received $13 cash at closing and no personal debts were paid off through the subject loan. |  |  |
| 36616793 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | VA loan guaranty certificate is missing from the loan documents. |  |  |
| 50946257 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50946257 | xx | Full Review | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* LTV / CLTV > 100% (Lvl 2) | Collateral Value used for Underwriting: xx. Amount of Secondary Lien(s): xx. Loan Amount: xx. CLTV xx. The current UPB is xx. |  |  |
| 50946257 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.20%. The lender used bonus and OT income without a 2-year history. Revised DTI 62.24%. The subject loan originated on xx, and the 3-year SOL is active. The BWR is employed with xx as a massage therapist for 1 year; BWR 2 is employed with xx as a case manager for 1.2 years, FICO 685, $1,989 residual income, and $0K equity in the subject due to DPA. |  |  |
| 46236260 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as-is. The photo addendum of the appraisal report shows the fireplace needs to be installed on the property. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 46236260 | xx | Full Review | xx | xx | 42fa4669-fe5d-412e-9c32-21b87047de7c | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Revised Loan Estimate is missing (Lvl 3) | The revised loan estimate dated xx is missing from the loan documents. |  |  |
| 46236260 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46236260 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows homebuyer education was not completed prior to the note date as required by the guidelines. Further details not provided. |  |  |
| 58093354 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.99%. Tape shows BWR changed her employment 4 days prior to closing. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 4.33 years on the job as a payroll manager at xx, FICO 758, 0X30 since inception and xx equity in the subject. |  |  |
| 58093354 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 75263161 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 75263161 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan fails the discount fee test due to fees charged, $34,801.27, exceeding the fees threshold of $9,338.50 by +$25,462.77. The below fees were included in the test: Commitment Fee paid by Borrower: $995.00 Document Preparation Fee paid by Borrower: $350.00 Points—Loan Discount Fee paid by Borrower: $2,326.27 Points—Loan Discount Fee paid by Seller: $29,490.00 Processing Fee paid by Borrower: $595.00 Underwriting Fee paid by Borrower: $1,045.00 |  |  |
| 75263161 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.99% DTI. The Lender miscalculated rental income and relied on post-closing salary increase. Lender defect. Revised DTI 55.27%. Subject loan originated xx and the 3-year SOL is active. The BWR is employed with the XXX for 1 year, FICO 759, $5,443 residual income, 0X30 since inception and xx equity in the subject. BWR also has 5 prior years as an attorney at DOD. Review shows ATR confirmed. |  |  |
| 87332234 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx does not reflect Mortgage Broker Fee. Final CD dated xx reflects Mortgage Broker Fee at $XXXX. This is an increase in fee of +$15,295.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is active.<br>TRID violation due to decrease in lender credit on Closing Disclosure dated xx. Initial CD dated xx reflects lender credit at $6,602.09. Final CD dated xx reflects lender credit at $3,860.03. This is decrease of $2,742.06 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 87332234 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.58%. The Lender miscalculated employment and rental income. Lender defect. Revised DTI 57.74%. Subject loan originated xx and the 3-year SOL is active. The BWR is employed with xx as a Machine Operator for 18 years, BWR 2 is SE in a xx for 6 years and BWR 3 is employed with xx as a Personal Shopper for 3 years, FICO 654, $5,007 residual income and $61.8K equity in the subject. |  |  |
| 87332234 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final CD dated xx reflects cash to in the amount of $XXX. |  |  |
| 87332234 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 87332234 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 87332234 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 3474660 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject VA loan was approved at 59.77%. The lender added BWR2's income two times. Lender defect. Revised DTI 61.79%. The subject loan originated xx, and the 3-year SOL is active. BWR receives SSI & VA benefits, BWR2 receives SSI and income for caring for BWR1 through Bay Aging for 11 months, FICO 561, 0X30 since inception, and $6K equity in the subject. |  |  |
| 3474660 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 3474660 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test, as the finance charge disclosed on the final CD was $776,122.65. The calculated finance charge is $776,422.70 for an undisclosed amount of -$300.05. <br> The loan failed the TILA foreclosure rescission finance test, as the finance charge disclosed on the final CD was $776,122.65. The calculated finance charge is $776,387.70 for an undisclosed amount of -$265.05. <br>Subject loan is refinance case, originated on xx and the SOL is 3 years. |  |  |
| 3474660 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | VA guaranty certificate is missing from the loan documents. |  |  |
| 93799404 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 93799404 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx reflects Points - Loan Discount Fee at $5,408.00. CD dated xx reflects Points - Loan Discount Fee at $5,467.54.<br> Loan estimate dated xx reflects Appraisal Fee at $575.00. CD dated xx reflects Appraisal Fee at $750.00.<br> This is a cumulative increase in fee of $234.54 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is active.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees and Recording fee at $1,040.00. CD dated xx reflects the sum of Section C and Recording fee at $1,391.50. This is a cumulative increase of $247.50 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 93799404 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject FHA loan was approved at 56.52% DTI. The Lender excluded a payment on a large charge-off account as required by DU. Revised DTI 64.21%. Lender defect. Subject loan originated xx and the 3-year SOL is active. The BWR is SE with xx for 5.10 years, BWR 2 is employed with xx as an Assembler for 1.11 years FICO 619, $2,084 residual income, 0X30 since inception and xx equity in the subject. |  |  |
| 93799404 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA MI certificate is missing from the loan documents. |  |  |
| 93799404 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed the revised LE delivery date test due to the revised loan estimate delivery date is same as the initial CD delivery date. |  |  |
| 93799404 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and review of the file show the revised LE and initial CD were issued on same date. Further details not provided. |  |  |
| 38797513 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 48.26% DTI. The Lender did not obtain 2 years tax returns for BWR2's SE or obtain evidence the business has been operating for 5 years. Lender defect. Revised DTI unknown. Subject loan originated xx and the 3-year SOL is active. BWR1 is employed with xx as a Team Lead for 4 years, BWR2 is SE xx for 14 years, FICO 715, and xx equity in the subject. |  |  |
| 35973583 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx.pdf Pg#27," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "Ln#xx_PG#28" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| 35973583 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject property is a manufactured home, and the subject loan closed at xx LTV with the 30-year term that exceeds the maximum LTV of xx and the term of 20 years for a manufactured home. |  |  |
| 26820404 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx_Pg#17," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "Ln#xx_Pg#19 & 21" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| 26820404 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | In VA refinance loans, there should be a waiting period or gap between the 210-day period from the first payment date of the existing mortgage, which is getting paid off, and the closing of our new subject loans. In this loan, the waiting period is not satisfied. and the loan is short for 13 days. |  |  |
| 26820404 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $462,951.88. Calculated finance charge is $464,871.72 for an under disclosed amount of -$1,919.84. Subject loan is a refinance case, originated on xx and the 3-year SOL is active.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as $462,951.88. Calculated finance charge is $464,836.72 for an under disclosed amount of -$1,884.84. Subject loan is a refinance case, originated on xx and the 3-year SOL is active.<br>TRID total of payment disclosed on final CD as $841,915.47. Calculated total of payments is $842,200.47 for an under disclosed amount of -$285.00. The disclosed total of payments of $841,915.47 is not considered accurate because it is understated by more than $100. Subject loan is a refinance case, originated on xx and the 3-year SOL is active. |  |  |
| 26820404 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx does not reflect Rate Lock Fee. CD dated xx reflects Rate Lock Fee at $95.00.<br> Loan estimate dated xx reflects Transfer Taxes at $1,980.00. CD dated xx reflects Transfer Taxes at $2,057.00.<br> This is a cumulative increase in fee of $172.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx and the 3-year SOL is active.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees and Recording fee at $3,583.00. CD dated xx reflects the sum of Section C and Recording fee at $4,243.75. This is a cumulative increase of $302.45 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx and the 3-year SOL is active. |  |  |
| 26820404 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 26820404 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject VA loan was closed with LP Refer findings at 44% DTI due to credit history, LTV of xx and DTI. The Lender did not obtain LOE's for prior delinquency on a mortgage that was modified with significant late payments and multiple charge-off accounts. In addition, the first payment on the current mortgage was payable 9/2024 and the BWR opened 2 new installment accounts in 1/2025. Lender defect. Subject loan originated xx and the 3-year SOL is active. The BWR receives VA Benefits and Pension income, FICO 618, and has xx equity in the subject. |  |  |
| 26820404 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed Loan Origination Fee Test due to fees charged $4,595.00 exceed fees threshold of $3,740.00 over by +$855.00.<br> The below fees were included in this test:<br> Engineer Certification paid by Borrower: $600.00<br> Mortgage Broker Fee paid by Borrower: $XXX<br> Rate Lock Fee paid by Borrower: $95.00<br> Settlement or Closing Fee paid by Borrower: $450.00<br> Title - Document Storage/ Archive paid by Borrower: $75.00<br> Well and Septic Inspection paid by Borrower: $350.00. |  |  |
| 97661630 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 97661630 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The loan fails the compliance delivery and timing test for the revised CD dated xx. The document tracker is missing, and 3 business days were added to get the receipt date of 5/15/2025, which is after the consummation date of 5/14/2025. |  |  |
| 97661630 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The TRID violation is due to a decrease in lender credit on the closing disclosure dated xx. The initial LE dated 3/19/2025 reflects a lender credit of $210.25, and the final CD dated xx reflects a lender credit of $0.00. This is a decrease of +$210.25 for a fee that has a 0% tolerance test.<br>The subject loan is a purchase originated on xx, and the SOL is 1 year. |  |  |
| 97661630 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | The tape shows the subject condo project is non-warrantable. A review of the condo questionnaire shows a special assessment of $500K is planned for paying the loan that funded the roof replacement, parking lot project, and replacement of light fixture repairs. Further details not provided. Elevated for client review. |  |  |
| 98478217 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed state regulations for prohibited test.<br> Below fees were included in the test:<br> Title - E Doc Fee paid by Borrower: $50.00<br> Title - Tax Certification Fee paid by Borrower: $50.00 |  |  |
| 98478217 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 98478217 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan was not insured due to loan amount miscalculation. Further details not provided. |  |  |
| 32380238 | xx | Full Review | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing from the loan documents. |  |  |
| 32380238 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 32380238 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan failed the FHA's 90-day flipping rule. The review of the appraisal report shows the date of the prior sale or transfer is xx in the amount of xx. The subject's appraised value on xx was xx. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 32380238 | xx | Full Review | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Transmittal summary is missing from the loan documents. |  |  |
| 79043529 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.79%. Tape shows undisclosed debt opened prior to closing. Revised DTI is 62.59%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR receives social security and retirement income, FICO 730, 0X30 since inception, xx equity in the subject, and $1,446 residual income. |  |  |
| 79043529 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 79043529 | xx | Full Review | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 3: Curable | \* ROR not hand dated by borrower(s) (Lvl 3) | ROR is not hand-dated by the borrower. |  |  |
| 79043529 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $6,882.00 exceed fees threshold of $5,985.59 over by +$896.41.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,382.00<br> Processing Fee paid by Borrower: $1,125.00<br> Underwriting Fee paid by Borrower: $375.00. |  |  |
| 79043529 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $6,882.00 exceed fees threshold of $5,985.59 over by +$896.41.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,382.00<br> Processing Fee paid by Borrower: $1,125.00<br> Underwriting Fee paid by Borrower: $375.00. |  |  |
| 95574869 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 95574869 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance is missing from the loan documents. |  |  |
| 95574869 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 48.58%. Tape shows undisclosed debt opened prior to closing. Revised DTI is 60.88%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 3.08 years on the job as a director at xx, a FICO score of 747, 1X30 since inception, and $5,012 residual income. |  |  |
| 95574869 | xx | Full Review | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 3: Curable | \* ROR not hand dated by borrower(s) (Lvl 3) | ROR is not hand-dated by the borrower. |  |  |
| 95574869 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fee was included in the test:<br> Processing Fee paid by Lender: $1,500.00. |  |  |
| 25432886 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 42.87%. Tape shows undisclosed debt opened prior to closing. Revised DTI is 75%. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 4 months on the job as a laborer at xx, FICO 699, 0X30 since inception, xx equity in the subject and $1,170 residual income. |  |  |
| 25432886 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx reflects cash to the amount of $XXX. |  |  |
| 25432886 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 25432886 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject approved as OO. Tape shows BWR1 did not occupy the subject, and only BWR2 occupies the property. Further details not provided. Elevated for client review. |  |  |
| 25432886 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is subject to the completion of missing drywall and is considered a safety issue. The photo addendum of the appraisal report shows missing drywall in the kitchen. The estimated cost to cure is xx. Available 1004D do not confirm the repairs are completed. The updated 1004D confirming repairs have been completed is missing from the loan documents and the final CD does not reflect the cost to cure amount. |  |  |
| 25432886 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on CD dated xx. Initial CD dated xx reflects lender credit at $411.70. Final CD dated xxreflects lender credit at $72.00. This is decrease of -$339.70 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 72774715 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $4,715.90 exceeds fees threshold of $4,667.03 over by +$48.87. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,215.90<br> Processing Fee paid by Borrower: $1,500.00<br>Loan fails qualified mortgage lending policy points and fees test due to fees charged $4,715.90 exceeds fees threshold of $4,667.03 over by +$48.87. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,215.90<br> Processing Fee paid by Borrower: $1,500.00 |  |  |
| 72774715 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulations for the first lien prohibited fees test.<br> The following fees was included in the test:<br> Processing Fee paid by Borrower: $1,500.00 |  |  |
| 72774715 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx. Initial LE dated xx reflects Points - Loan Discount Fee and Processing Fee<br> at $2,816.00 and $1,408.00. Final CD dated xx reflects Points - Loan Discount Fee and Processing Fee at $3,215.90 and $1,500.00. This is fee increase of total $491.90 for 0% tolerance test. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is refinance case, originated on xx and the SOL is 3 years. |  |  |
| 72774715 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 72774715 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 72774715 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 33.85%. Tape shows BWR2 was released from the liability on the subject note. Revised DTI is 92%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has been on the job for 2.41 years with xx. BWR 2 has been on the job for 3.91 years with xx. and FICO 581. |  |  |
| 99329844 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 99329844 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.04%. Tape shows undisclosed debt opened prior to closing. Revised DTI is 59.51%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 7 years on the job as a cashier assistant with xx, FICO 792, 1X30 since inception, xx equity in the subject, and $2,271 residual income. |  |  |
| 99329844 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect the loan origination fee. CD dated xx reflects a loan origination fee of $4,894.02. This is an increase in fees of $4,894.02 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. TRID violation due to decrease in lender credit on closing disclosure dated xx. The initial LE dated 2/6/2024 reflects lender credit at $625.00. The final CD, dated xx, reflects lender credit at $0.00, this is a decrease of $625.00 for a fee that has a 0% tolerance test.<br>Subject loan is a purchase case that originated on 3/15/2024, and the SOL is 1 year. |  |  |
| 99329844 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Your home loan toolkit / acknowledgment / disclosure tracking is missing in the loan file. |  |  |
| 99329844 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $12,679.02, exceeds fees threshold of $10,020.78 Over by +$2,658.24. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $4,894.02<br> Mortgage Broker Fee (Indirect) $XXX<br> Underwriting Fee paid by Borrower: $1,050.00 |  |  |
| 34343409 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR2 did not sign all required application documents. Review of the file shows BWR2 has not signed the initial application document. |  |  |
| 34343409 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged, $8,276.38, exceed the fees threshold of $7,760.34 by +$516.04. The below fees were included in the test: Mortgage Broker Fee (Indirect) $XXX Points—Loan Discount Fee paid by Borrower: $1,092.00 |  |  |
| 34343409 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | The hazard insurance certificate is missing from the loan documents. |  |  |
| 34343409 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | The loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx reflects points—loan discount fee at $381.00. CD dated xx reflects points—loan discount fee at $1,092.00. This is an increase in fee of +$711.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The TRID violation is due to a decrease in lender credit on the closing disclosure dated xx. The revised LE dated xx reflects a lender credit of $1,085.40. The final CD, dated xx, reflects the lender at $0.00. This is a decrease of +$1,085.40 for a fee that has a 0% tolerance test.<br>Subject loan is a purchase case originated on xx, and the 1-year SOL is active. |  |  |
| 34343409 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 34343409 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged, $8,276.38, exceed the fees threshold of $7,760.34 by +$516.04. The below fees were included in the test: Mortgage Broker Fee (Indirect) $XXX Points—Loan Discount Fee paid by Borrower: $1,092.00 |  |  |
| 70350498 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 42.76%. Tape shows alimony and child support income was not included in DTI. Revised DTI is 67%. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has been SE for 5.79 years at xx, FICO 733, xx equity in the subject and $854 residual income. Review shows ATR confirmed. |  |  |
| 70350498 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 70350498 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as-is. The photo addendum of the appraisal report shows damaged and broken tile floor in the rec room that is a safety concern. The estimated cost to cure is xx. 1004D is missing from the loan documents and the final CD does not reflect the escrow holdback amount. |  |  |
| 70350498 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $6,420.37 exceed fees threshold of $5,746.25 over by +$674.12. <br> The following fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XXX<br> Points - Loan Discount Fee paid by Borrower: $1,838.57.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $6,420.37 exceed fees threshold of $5,746.25 over by +$674.12. <br> The following fees were included in the test:<br> Mortgage Broker Fee (Indirect) $XXX<br> Points - Loan Discount Fee paid by Borrower: $1,838.57. |  |  |
| 27678535 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as $187,153.73. The calculated finance charge is $193,332.37 for an under disclosed amount of -$6178.64. Loan failed TILA foreclosure rescission finance charge of $187,153.73 exceeds the disclosed finance charge of $193,297.37 by -$6,143.64. Loan failed the TILA APR test because the APR calculated at 5.741% exceeds the APR threshold of 6.076% by -0.335%. The subject loan is a refinance case that originated on xx, and the SOL of 3 years has expired. |  |  |
| 27678535 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance is missing from the loan file. |  |  |
| 27678535 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges in total cannot increase more than 10% in the tolerance test. The LE dated xx reflects the sum of Section C fees and recording fees at $1,995.13. The CD dated xx reflects the sum of Section C and the recording fee at $0.00. This is a cumulative increase of $1,995.13 for charges that in total cannot increase more than 10% test. COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case that originated on xx, and the SOL of 3 years has expired. |  |  |
| 27678535 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated at 6.076% Exceeds APR threshold of 6.070% by +0.006%. Subject loan is escrowed. |  |  |
| 27678535 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 44.97%. Tape shows income miscalculation. Revised DTI is 50%. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL has expired. BWR has 6 years on the job as a paralegal at xx, FICO 626, xx equity in the subject, and $902.46 residual income. |  |  |
| 27678535 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 27678535 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 44.97%, as the borrower's income is $4,012.80 and total expenses are in the amount of $1,805.73. The loan was underwritten by AUS (Locator# xx.pdf_PG#853) and its recommendation is "Approve/Eligible" with a DTI of 44.99%. |  |  |
| 18323198 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 18323198 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 18323198 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects appraisal fee at $790.00. Final CD dated xx reflects appraisal fee at $930.00. This is an increase in fee of $140.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx and the SOL is 1 year. |  |  |
| 18323198 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 35.82%. The tape shows the lender did not include child support debt properly in DTI calculations. The revised DTI is 48.96%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has been SE with xx for 4.67 years, FICO 711, xx equity in the subject, and $2,462 residual income. |  |  |
| 45810620 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx reflects Points - Loan Discount Fee at $8,100.00 and Appraisal Fee at $650.00. The final CD dated xx reflects Points - Loan Discount Fee at $8,775.00 and Appraisal Fee at $835.00. This is an increase in fees of $860.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx, and the SOL of 1 year has expired. |  |  |
| 45810620 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO due to misrepresentation. Elevated for client review. |  |  |
| 45810620 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan failed the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged: $10,050.00 fees threshold: $7,773.08 over by +$2,276.92. The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $8,775.00<br> Processing Fee paid by Borrower: $900.00<br> Underwriting Fee paid by Borrower: $375.00<br>The loan failed the qualified mortgage lending policy points and fees test due to fees charged of $10,050.00, exceeding the fees threshold of $7,773.08 over by +$2,276.92. The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $8,775.00<br> Processing Fee paid by Borrower: $900.00<br> Underwriting Fee paid by Borrower: $375.00 |  |  |
| 45810620 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 50.31%. Tape shows subject is NOO due to misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 10 years with xx, FICO 767, and xx equity in the subject. |  |  |
| 45810620 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 45810620 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | ComplianceEase failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 45810620 | xx | Full Review | xx | xx | c39e5f9c-f158-4bb6-a13c-aaae3beee8ff | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Subject Property has been determine uninhabitable/Unsuitable to live in (Lvl 4) | As per the comment dated 4/22/2023, the subject property was damaged by flooding and not livable. As per the comment dated 8/28/2023, the subject property was damaged due to a flood on 4/12/2023. The estimated cost of repairs is $72,074.43. No evidence has been found for repairs completion. |  |  |
| 45810620 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 34133007 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 32.47%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 4.08 years on the job as a restaurant manager with xx, FICO 709, and xx equity in the subject. |  |  |
| 34133007 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 34133007 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx does not reflect Points - Loan Discount Fee. Final CD dated xx reflects Points - Loan Discount Fee at $679.00. This is an increase in fee of +$679.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on Closing Disclosure dated xx. Initial LE dated xx reflects lender credit at $44.00. Final CD dated xx reflects lender credit at $1.00. This is decrease of +$43.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br>The subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 50845 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Appraisal report is as-is. The photo addendum of the appraisal report shows missing smoke & carbon monoxide detector. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents and the final CD does not reflect the escrow holdback amount. |  |  |
| 50845 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects Points - Loan Discount Fee at $7,155.00. CD dated xx reflects Points - Loan Discount Fee at $8,943.75 Loan estimate dated xx reflects Credit Report Fee at $150.00. CD dated xx reflects Credit Report Fee at $209.00 This is a cumulative increase in fees of +$1,847.75 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 50845 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 50845 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 45.68%. Tape shows the lender miscalculated BWR2's income. Lender defect. Revised DTI 56.23%. Subject loan originated on xx and the 3-year SOL is active. BWR1 has been employed with xx as an assistant division engineer for 7 years; BWR2 has been employed with xx as a therapist for 1.75 years, FICO 787, 0X30 since inception, $8,545 residual income and xx equity in the subject. The payments on the loan are current. |  |  |
| 50845 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50845 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $1,069,579.76. Calculated finance charge is $1,069,704.81 for an under disclosed amount of -$125.05. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 50845 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Pennsylvania license validation test.<br>Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 69649019 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved 50%. The lender excluded the departing residence payment that was pending sale. Lender defect. Revised DTI 63.43%. The subject loan originated xx, and the 3-year SOL is active. BWR has been employed with xx for 3.5 years with an unknown title, FICO 775, $2,582 residual income, and xx equity in the subject. |  |  |
| 90959756 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and PH shows an EPD but is now current. The borrower made the true 1st payment on time. The first payment (1/1) due to the investor was made on 2/3. According to payment history as of 6/2/2025, the borrower is current with the loan, and the next due date is 07/01/2025. The current UPB reflected as per the payment history is xx. |  |  |
| 62996461 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges in total cannot increase more than 10% in the tolerance test. LE dated xx reflects the sum of Section C fees at $2,473.00. The CD dated xx reflects the sum of the section fee at $1,824.90. This is a cumulative increase of $648.1 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents. |  |  |
| 62996461 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Compliance failing for State Regulations AZ License Validation Test. |  |  |
| 62996461 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 40.72%. The tape shows BWR is employed by a family member, and the lender did not obtain tax returns. Further details not provided. The revised DTI is 46.82%. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has two months on the job as a marketing executive with xx. Additionally, BWR has 8.5 years on the job as a server with xx, FICO 661, 0X30 since inception, xx equity in the subject, and $1,763 residual income. |  |  |
| 62996461 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and file show the subject condo project is in a flood zone, and the flood insurance was not obtained for the condo project at closing. Further details not provided. |  |  |
| 62996461 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as $255,694.39. The calculated finance charge is $261,316.63 for an undisclosed amount of $5,622.24. |  |  |
| 80270620 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 44.27%. Tape and file show BWR was qualified based on future employment with family business. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has two months on the job as a manager with xx, FICO 806, and xx equity in the subject. |  |  |
| 64465876 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan does not meet VA seasoning period requirements. Further details not provided. |  |  |
| 64465876 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64284543 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 46.19%. Tape shows BWR1 and BWR2 were not employed at closing. Revised DTI is 66.44%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 1.66 years on the job as a tender sales with xx, and BWR2 has 2.41 years on the job as an assistant bakery manager at xx. BWR3 receives SSI, pension, and VA benefits income, FICO 696, and xx equity in the subject. |  |  |
| 64284543 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan fails ComplianceEase charges that cannot increase and charges that cannot increase more than 10% due to loan failed initial loan estimate delivery and timing test. |  |  |
| 64284543 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test. |  |  |
| 64284543 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 64284543 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 64284543 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 9284325 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.08%, as the borrower's income is $5,163.85 and total expenses are in the amount of $2,490.08. The loan was underwritten by LP located at xx.pdf Pg#1 and its recommendation is "Approve/Eligible" with a DTI of 48.08%. |  |  |
| 9284325 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 48.08%. Tape shows the lender did not establish the continuance of variable and secondary incomes, which is used for qualifying. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL has expired. BWR has 9 months on the job as a laborer at xx, FICO 718 and xx equity in the subject. |  |  |
| 9284325 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Compliance failing for State Regulations PA License Validation Test. |  |  |
| 32332279 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 44%. Tape shows income misrepresentation due to income documents were fabricated. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 10 years on the job as a care provider with In xx, FICO 761, 0X30 since inception, and xx equity in the subject. |  |  |
| 32332279 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 86079882 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #1, with a sales price of xx, is closest to the subject property. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 86079882 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 46.25% DTI. The Lender included income from the xx when the BWR had been discharged xx, prior to closing. Lender defect. Revised DTI 89.08%. Subject loan originated xx and the 3-year SOL is active. The BWR is employed with xx for 1.5 years as a Pilot, FICO 787, $588 residual income and xx equity in the subject. |  |  |
| 96310635 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 96310635 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Evidence of hazard insurance is missing from the loan documents. |  |  |
| 96310635 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan fails ComplianceEase charges that cannot increase test and charges that cannot increase more than 10% due to loan failed initial loan estimate delivery and timing test. |  |  |
| 78730462 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | MI certificate is missing from the loan file. |  |  |
| 78730462 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and Consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 78730462 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan fails ComplianceEase charges that cannot increase test and charges that cannot increase more than 10% due to loan failed initial loan estimate delivery and timing test. |  |  |
| 78730462 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject loan is ineligible for sale to FHA, as the condo project is not approved by the HUD Review and Approval Process (HRAP) and Single Unit Approval (SUA). File and DU report show the subject loan closed with a case number with the property type submitted as PUD. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 74904297 | xx | Full Review | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx. Notary's signature date on the mortgage/deed of trust is xx. Note date is xx. |  |  |
| 74904297 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at 46.73%. The tape shows miscalculation of rental loss and an undisclosed debt opened prior to closing. Revised DTI is 84%. Further details not provided. The subject originated on xx, and the 3-year SOL is active. BWR has 7.81 years on the job as a CFO with xx, FICO 669. |  |  |
| 74904297 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $25,993.00 exceeds fees threshold of $20,226.54 over by +$5,766.46. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $355.00<br> Points - Loan Discount Fee paid by Borrower: $24,288.00<br> Processing Fee paid by Borrower: $675.00<br> Underwriting Fee paid by Borrower: $675.00<br>Loan fails QM lending policy points and fees test due to fees charged of $25,993.00 exceeds fees threshold of $20,226.54 over by +$5,766.46. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $355.00<br> Points - Loan Discount Fee paid by Borrower: $24,288.00<br> Processing Fee paid by Borrower: $675.00<br> Underwriting Fee paid by Borrower: $675.00 |  |  |
| 74904297 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without an appraisal. The PIW signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value of xx. The current UPB is xx. |  |  |
| 13126270 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii)) The revised closing disclosure delivery requires a new waiting period and The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either. |  |  |
| 13126270 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from the loan documents. |  |  |
| 9873756 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 36%. Tape shows the lender did not document 5 years of SE history and used only a 1-year tax return instead of the required 2 years. Further details not provided. Lender defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 4.66 years at xx, FICO 730, and xx equity in the subject. |  |  |
| 9873756 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 9873756 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | This loan failed the written list of service providers disclosure date test for less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction.<br>TRID violation in charges that cannot increase the test due to an increase of fee in the final CD dated xx. The initial LE dated xx reflects Points—Loan Discount Fee, Administration Fee for Improvements [Custom Fee], Document Delivery Fee [Custom Fee], and Tax Service at $0.00, $0.00, $0.00, $64.00 & $0.00. The final CD dated xx reflects Points—Loan Discount Fee, Administration Fee for Improvements [Custom Fee], Document Delivery Fee [Custom Fee], and Tax Service at $4,285.48, $100.00, $60.00, $80.00, & $150.00. This is a fee increase of $4,285.48, $100.00, $60.00, $16.00 & $150.00 for the 0% tolerance test fee. A valid COC for the increase in fee amount is missing in the loan documents. The subject loan is a purchase case that originated on xx, and the SOL is 1 year active.<br>Loan failed charges cannot increase more than 10% in the tolerance test. LE dated xx reflects the sum of Section C fees and the recording fee at $2258.50. The CD dated xx reflects the sum of Section C and the recording fee at $2030.00. This is a cumulative increase of $23.50 for charges that in total cannot increase more than 10% per test. COC for the increase in fee is missing from the loan documents. |  |  |
| 52359356 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx does not reflect Processing Fee. CD dated xx reflects Processing Fee at $750.00.<br> Loan estimate dated xx reflects Tax Certification Fee at $64.00. CD dated xx reflects Tax Certification Fee at $75.00.<br> This is a cumulative increase in fee of $761.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 52359356 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| 52359356 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 52359356 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows condo questionnaire shows special assessments for re-roofing have been planned and no evidence is available to confirm if the repairs are considered critical. The inspection report verifying the completion of work is missing. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 6899322 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved as NOO at 42.76%. The tape shows rental loss income miscalculation. Revised DTI is 51.99%. Further details not provided. Lender defect. The subject originated on xx, and the 3-year SOL is active. BWR has 7.16 years on the job as a hospital aide with xx, FICO 759, 0X30 since inception, xx equity in the subject, and a residual income of $1,995. |  |  |
| 43710661 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from loan documents. |  |  |
| 43710661 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 43710661 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape shows the loan didn't meet cash-out guidelines. Further details not provided. |  |  |
| 32747925 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan document. |  |  |
| 32747925 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed the reimbursement amount validation test and the consummation or reimbursement date validation test. |  |  |
| 32747925 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges in total cannot increase more than 10% tolerance test. The LE dated xx reflects the sum of Section C fees +$3,484.00. The CD dated xx reflects the sum of Section C fees $4,009.00. This is a cumulative increase of $176.60 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents.<br> Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx does reflect Points - Loan Discount Fee of $0.00. The CD dated xx reflects Points - Loan Discount Fee of $2,810.58. This is an increase in the fee of $2,810.58 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. |  |  |
| 32747925 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test. The finance charge is $441,940.18. The disclosed finance charge of $441,790.18 is not considered accurate because it is understated by more than -$150.00. |  |  |
| 32747925 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49%. Tape shows income miscalculation. Revised DTI is 76.32%. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 12 years on the job as a bilingual teacher with xx, FICO 735, 0X30 since inception, xx equity in the subject, and $1,336 residual income. |  |  |
| 18283891 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan document. |  |  |
| 18283891 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 18283891 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx reflects the point-pest inspection fee at $0.00, the city/county tax/stamps fee at $0.00, and the intangible tax fee at $0.00. The CD dated xx reflects point-of-sale inspection fees at $150.00, city/county tax/stamps fees at $682.50, and intangible tax fees at $390.00. This is an increase in fee of $1,222.50 for charges that cannot increase. |  |  |
| 18283891 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.59%. The tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR receives social security income, FICO 789, and xx equity in the subject. |  |  |
| 18283891 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final TIL is $112,165.95. The calculated finance charge is $112,647.45 for an under disclosed amount of -$481.50. |  |  |
| 34128026 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan does not meet VA seasoning period requirements. |  |  |
| 34128026 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan fails. Loan Origination Fee Test due to fees charged: $7,764.74 Exceeds the fees threshold of $4,620.00 by +$3,144.74. <br>Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 34128026 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TILA Finance Charge Test due to the finance charge disclosed on the Final CD as $541,306.89. The calculated finance charge is $542,073.39 for an under disclosed amount of $766.50. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing.<br>The CE risk indicator is critical, as the loan is failing the TILA Foreclosure Rescission Finance Charge Test. Total fees charged are $541,306.89, and allowed is $542,038.39; however, it is overcharged by $731.50. |  |  |
| 34128026 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx reflects a loan origination fee of $6,224.00. The CD dated xx reflects a loan origination fee of $6,361.74. This is an increase in fee of $137.74 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx does not reflect the application fee. CD dated xx reflects an application fee of $800.00. This is an increase in fee of $800.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. |  |  |
| 74687683 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance is missing from the loan file. |  |  |
| 74687683 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows details from HOA are missing for exterior repairs. Review of loan file shows that assessments are going to be for exterior repairs such as the facade. Further details are not provided. |  |  |
| 76432362 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 50%. Tape shows PITIA miscalculation. Revised DTI is 52%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has been SE for 7.3 years at xx, BWR2 has been SE for 12 years at xx, FICO 804, 0X30 since inception, xx equity in the subject, and $5,958 residual income. |  |  |
| 75612857 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows excessive IPC (interested party contribution). Final CD reflects seller credit of $10K. Further details not provided. |  |  |
| 80918686 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is uninsurable. Further details not provided. |  |  |
| 80918686 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| 80918686 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 26297952 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #2 with a sales price of xx, is closest to the subject property. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 26297952 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 26297952 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 90872536 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard Insurance is missing from the loan file. |  |  |
| 90872536 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan closed with PIW. Zillow search shows an estimated value of xx. Current UPB xx. |  |  |
| 67388695 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan does not meet the VA seasoning period requirements of the fee recoupment period, and the decrease in interest rate from 6.13 to 6.125 did not meet the guidelines of interest rate reduction requirements. Further details not provided. |  |  |
| 67388695 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | MI cert is missing from the loan file. |  |  |
| 67388695 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 7681932 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 37.09%. The tape shows PITI for the subject property was miscalculated. Revised DTI is 44.29%. Further details not provided. Lender defect. The subject originated on xx, and the 3-year SOL is active. BWR has 3.66 years on the job as a vice president of sales with xx, FICO 673, 0X30 since inception, and xx equity in the subject and residual income of $9,968. |  |  |
| 7681932 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape and review of the file show the subject property was being remodeled. The available 1004D confirms the remodeling of the subject property has been completed. |  |  |
| 18543314 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Virgin Islands | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan does NOT violate predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 66779458 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL is $176,018.88. Calculated finance charge is $176,191.09 for an under disclosed amount of -$172.21.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL is $176,018.88. Calculated finance charge is $176,156.09 for an under disclosed amount of -$137.21. |  |  |
| 69265790 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test. On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 33448494 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 31.41%. The tape reflects an increase in DTI of 71.48%. Further details not provided. The subject originated on xx, and the 3-year SOL has expired. BWR has 10.50 years on the job as a scientist with the xx, FICO 740, xx equity in the subject, and a residual income of $1,039. |  |  |
| 10733642 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is NOO and was approved at 34.25%. The tape shows the subject loan does not meet investor guidelines; assets of $434K from non-occupying BWR were used towards the purchase of NOO property. BWR is purchasing the subject property from his brother-in-law, who is non-occupying BWR, and sharing property ownership rights 50-50% along with their spouses. Further details not provided. |  |  |
| 93753087 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93753087 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 39.76%. The tape shows unable to verity rental income. Lender defect. Revised DTI is 75%. Subject loan originated xx and the 3-year SOL is active. BWR has been SE since xx with xx, and BWR has been SE since 12/21/2020 with xx. FICO 727, residual income of $2433, and xx equity in the subject. |  |  |
| 99082286 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject loan was approved with an LTV of xx that exceeds the LTV threshold of xx for a purchase transaction secured by a 2- to 4-unit investment property. Further details not provided. |  |  |
| 28670293 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 28670293 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 28670293 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at 60.97%. The tape shows the lender miscalculated the rental housing expenses. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 2.41 years on the job as an IT engineer with xx. Additionally, BWR receives VA benefits and non-educational income, FICO 652 and xx equity in the subject. |  |  |
| 70832195 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 36.79%. The tape shows DTI miscalculation. The revised DTI is 39.18%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has 25 years on the job as a general manager with xx. BWR2 has 25 years on the job as a finance manager with xx, FICO 772, 0X30 over the last 24 months and $10,516 residual income. |  |  |
| 70832195 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan is current. According to payment history as of 06/23/2025, the borrower is current with the loan, and the next due date is 08/01/2025. The current UPB is xx. |  |  |
| 22386848 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 46.70%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 2 months on the job as a supervisor with xx, FICO 702 and xx equity in the subject. |  |  |
| 22386848 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $14,113.00 exceed fees threshold of $10,750.58 over by +$3,362.42.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $250.00<br> Loan Origination Fee paid by Borrower: $3,735.00<br> Points - Loan Discount Fee paid by Borrower: $8,038.00<br> Processing Fee paid by Borrower: $895.00<br> Underwriting Fee paid by Borrower: $1,195.00. |  |  |
| 22386848 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $14,113.00 exceed fees threshold of $10,750.58 over by +$3,362.42.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $250.00<br> Loan Origination Fee paid by Borrower: $3,735.00<br> Points - Loan Discount Fee paid by Borrower: $8,038.00<br> Processing Fee paid by Borrower: $895.00<br> Underwriting Fee paid by Borrower: $1,195.00. |  |  |
| 14709174 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at " xx pg#3," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at "Ln#xx pg#46 & 48" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| 14709174 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx reflects cash to the borrower in the amount of $XXX. |  |  |
| 14709174 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan failed Compliance Ease delivery and timing test for revised CD dated xx. The document tracker is missing, and 3 business days were added to get the receipt date of xx, which is after the consummation date of 10/16/2024. |  |  |
| 14709174 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan closed as a XXX Bond loan program on a single-wide manufactured home built prior to 1996. Appraisal report shows the subject property was built in the year 1986. |  |  |
| 87327273 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 13.519% exceeds the APR threshold of 10.570% by +2.949%. Subject is a second lien. First lien is escrowed. |  |  |
| 87327273 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and file show the subject originated as a second lien loan at a CLTV of xx, closed without a full appraisal, and failed the HPML test. Infinity compliance report shows the loan fails the HPML test. Further details not provided. |  |  |
| 87327273 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed with PIW. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 87327273 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance is missing from the loan file. |  |  |
| 87327273 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed the qualified mortgage safe harbor threshold test due to calculated APR of 13.519% exceeds the APR threshold of 10.570% by +2.949%. |  |  |
| 2756447 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 45.50%. The tape shows BWR was not employed at the time of closing. The revised DTI is 69.37%. Further details not provided. BWR defect. The subject originated on xx, and the 3-year SOL is active. BWR has 1 month on the job as a client engagement specialist at xx. Additionally, BWR receives social security income, FICO 741, 0X30 since inception, and xx equity in the subject. |  |  |
| 2756447 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2756447 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA Finance Charge Test due to the finance charge disclosed on the Final CD as $240,010.97. The calculated finance charge is $240,321.05 for an under-disclosed amount of -$310.08. |  |  |
| 45223881 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The finance charge disclosed on the final CD was $423,919.00. The calculated finance charge is $424,021.15 for an undisclosed amount of -$102.15.<br> Exception downgraded as SOL has expired. |  |  |
| 45223881 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the subject condo project is ineligible. The file shows the subject condo project is ineligible, appraiser is on an exclusionary list. File also has prior litigation related to a FC on behalf of Beneficial against a BWR, the HOA and others. Further details not provided. |  |  |
| 98305910 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx reflects Points - Loan Discount Fee at $5,700.00. CD dated xx reflects Points - Loan Discount Fee at $5,822.71.<br> Loan estimate dated xx does not reflect Credit Report Fee. CD dated xx reflects Credit Report Fee at $196.00.<br> Loan estimate dated xx reflects Transfer Taxes at $3,060.00. CD dated xx reflects Transfer Taxes at $3,126.30.<br> This is a cumulative increase in fee of $385.01 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 98305910 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 98305910 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 44.01%. Tape and review shows non-occupying BWR's primary rental housing payments were not included in DTI. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL will expire on 08/19/2025. BWR has 7.33 years on the job as a lead technologist at xx, FICO 775, 0X30 over the last 24 months and xx equity in the subject. |  |  |
| 88632479 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx does not reflect pest inspection fee. CD dated xx reflects pest inspection fee at $250.00. This is an increase in fee of $250.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. |  |  |
| 88632479 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 88632479 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 42.85%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 2 months on the job as a project manager with xx, FICO 677. |  |  |
| 88632479 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan documents |  |  |
| 83351643 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan tool kit is missing from the loan documents. |  |  |
| 83351643 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects a point-loan discount fee at $9,585.00. CD dated xx reflects a point-loan discount fee at $23,169.75. This is an increase in fee of $13,584.75 for charges that cannot increase. A valid COC for the increase in fee is available. COC is not getting tested due to loan failing TRID delivery and timing test. The subject loan is a purchase case, originated on xx and SOL is 1 year. |  |  |
| 83351643 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 83351643 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 38.24%. Tape shows SE income could not be re-verified. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR1 has been SE for 4.16 years at xx. BWR2 has been SE for 4.08 years at xx and 3 years at xx, FICO 720, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 83351643 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulations for prohibited fees test.<br> The following fees were included in the test:<br>CPL paid by Borrower: $75.00<br> Tie-in Fee paid by Borrower: $341.00 |  |  |
| 26870157 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect appraisal re-Inspection fee and Doc preparation fee. CD dated xx reflects appraisal re-Inspection fee at $200.00 and Doc preparation fee at $300.00. This is an increase in fee of +$500.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. |  |  |
| 26870157 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Evidence of hazard insurance is missing from the loan documents. |  |  |
| 26870157 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test. |  |  |
| 26870157 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 47.19%. Tape shows income misrepresentation, and the source document for gift assets is missing from the loan file. File shows gift assets of $410K and a cash-to-close requirement of xx. BWR defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 11.83 years on the job as a salesperson with xx., 0X30 in the last 24 months, FICO 739, and xx equity in the subject. |  |  |
| 26870157 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 32133307 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32133307 | xx | Full Review | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR not hand-dated by borrower. |  |  |
| 32133307 | xx | Full Review | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL not hand-dated by borrower. |  |  |
| 32133307 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 32133307 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows Aom break—gap aom needed from homebanc mortgage corp to XXX mortgage loan trust 2018c. Further details not provided. |  |  |
| 8959042 | xx | Full Review | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan documents. |  |  |
| 8959042 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to final TIL is missing from the loan documents. |  |  |
| 8959042 | xx | Full Review | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan documents. |  |  |
| 8959042 | xx | Full Review | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan documents. |  |  |
| 8959042 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8959042 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 8959042 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final HUD-1 dated xx, reflects cash to the borrower in the amount of $XXX. |  |  |
| 8959042 | xx | Full Review | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| 8959042 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 8959042 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 8959042 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows a defect as AOM Break-Rescission. AOM needed MERS to Bofi Federal. Further details were not provided. |  |  |
| 16646572 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject loan was approved at 44.76%. Tape shows the qualifying DTI exceeds the guideline limit. Further details not provided. Review shows ATR confirmed. |  |  |
| 16646572 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the 0% tolerance test. Loan estimate dated xx does reflect points—loan discount fee, credit report fee, and transfer taxes fee at $1600.00, $312.00, and $120.00. CD dated xx reflects Points-Loan Discount Fee, Credit Report Fee, and Transfer Taxes at $1800, $396.00, and $135.00. This is an increase in fee of +$299.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. |  |  |
| 16646572 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan has failed reimbursement amount validation test and consummation or reimbursement date validation test. |  |  |
| 16646572 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | Affiliated business disclosure is missing from the loan documents. |  |  |
| 85284068 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan has failed the reimbursement amount validation test and the consummation or reimbursement date validation test. |  |  |
| 85284068 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 40.31%. The tape shows the AUS recommendation for the subject loan was to refer with caution. Further details not provided. The subject loan originated on xx and the 3 year SOL has expired. BWR has been an SE for 7 years at xx, FICO 625, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 85284068 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx reflects a point the technology platform service fee at $0.00 and the state tax/stamps fee at $0.00. CD dated xx reflects a point Technology Platform Service fee at $93.25 and state tax/stamps at $2,620.00. This is an increase in fees of $2,713.45 for charges that cannot increase. Loan failed charges that in total cannot increase more than 10% tolerance test. The LE dated xx reflects the sum of Section C fees and recording fees at $127.00. CD dated xx reflects the sum of Section C and the recording fee at $107.00. This is a cumulative increase of $2.30 for charges that in total cannot increase more than 10% in the test. |  |  |
| 85284068 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance is missing from the loan file. |  |  |
| 94546363 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 94546363 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Maine | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 94546363 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to final TIL is missing from the loan documents. |  |  |
| 94546363 | xx | Full Review | xx | xx | 199ed034-40ba-4073-9bb5-17d9a97bf057 | xx | xx | xx | Pre-QM | QC Complete | Maine | xx | Compliance | Compliance | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | The subject mortgage originated on xx. The tape defect shows that "Pay History unavailable from 2005-2013, Serviced by more than 2 servicers". Further details are not provided. |  |  |
| 72358090 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 36.47% DTI. The Lender did not obtain the lease on the departing residence. Lender defect. Revised DTI 63.89%. Subject loan originated xx and the 3-year SOL is active. The BWR is employed with xx as an Account Manager for 2.10 years, BWR 2 receives SSI, FICO 809, $4,748 residual income, 0X30 last 24 months and xx equity in the subject. |  |  |
| 72358090 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 72358090 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation in charges that cannot increase test due to increase of fee in Final CD dated xx. Initial LE dated xx reflects Points - Loan Discount Fee & Transfer Taxes at$5,493.00 & $2,703.00. Final CD dated xx reflects Points - Loan Discount Fee & Transfer Taxes at $6,250.00 & $2,794.80. This is fee increase of $757.00 & $91.80 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents. Subject loan is purchase case, originated on xx and the SOL is 1 year expired. |  |  |
| 72358090 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan documents. |  |  |
| 66541855 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.77% DTI. The Lender did not obtain evidence to support discontinuance of child support obligations. Lender defect. Revised DTI 52.54%. Subject loan originated xx and the 3-year SOL is active. The BWR is employed with xx as a Performance Support Representative for 25 years, FICO 746, $5,423 residual income, 1X30 last 24 months and xx equity in the subject. |  |  |
| 81459425 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 43.43%. Tape shows BWR was not employed at the time of closing. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 7 years on the job as a general contractor with xx, FICO 780, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 57708724 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Appraisal report dated xx shows subject to repairs to add second floor and renovate as per plans and specification of repairs. 1004D dated xx does not confirm that subject has been completed or not. The final 1004D, or completion certificate, is missing from the loan file. Final CD shows homestyle repairs in the total amount of xx. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 57708724 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is unsaleable due to exceeding the allowable time frame for renovation of subject property. Further details not provided. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 57708724 | xx | Full Review | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD dated xx reflects escrow holdback in the amount of $385K. proof for release of escrow holdback is missing from the loan documents. Current UPB is xx. |  |  |
| 18551306 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the Co-op approval with the New Rez internal PRD has expired. Further details not provided. |  |  |
| 18551306 | xx | Full Review | xx | xx | 3c65f5f0-7184-4874-ba34-91814b7de42d | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Type of Ownership is Leasehold or Cooperative (Lvl 3) | The subject loan originated on xx with a maturity date of xx. As per the lease agreement located at "xx credit closing_Pg#55," the ground lease is held by XXX at xx, and the leasehold expires on 01/30/2060. |  |  |
| 13346232 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject is NOO and approved at 49.19%. Tape and review show the Lender used declining bonus and OT income. Revised DTI is 54.06%. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 17.25 years on the job as a production supervisor at xx, FICO 801, 0X30 since inception, xx equity in the subject and $3,123 residual income. |  |  |
| 2482655 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 2482655 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 2482655 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 2482655 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 43.83% DTI using a Profit & Loss statement. The Lender did not include an additional investment property in the DTI. Lender defect. Revised DTI 57.19%. Subject loan originated xx and the 3-year SOL is active. The BWR is SE in Construction for 5.4 years, FICO 782, $8,557 residual income, 0X30 since inception and xx equity in the subject. |  |  |
| 26264159 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 1: Acceptable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 1) | \*\*\*\*\*\*\*\*\*\*\*\*Duplicate\*\*\*\*\*\*\*\*\*\*\*\* |  |  |
| 26264159 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section E Recording Fee at $460.00 and Section F Transfer Taxes at $0.00. CD dated xx, it reflects the sum of Section E Recording Fee at $230.00 and Section F Transfer Taxes at $1,548.96. This is a cumulative increase of $1,272.96 for charges that in total cannot increase more than 10% in the test. COC for increase in fee is available from the loan documents. |  |  |
| 26264159 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 26264159 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fees were included in the test:<br> MERS Registration Fee paid by Lender: $24.95<br> Title-Closing Protection Letter paid by Borrower: $75.00 |  |  |
| 26264159 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and file show the loan officer's NMLS license had expired and the lending branch he was affiliated with was not licensed in NJ. Further details not provided. |  |  |
| 26264159 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan has failed the reimbursement amount validation test and the consummation or reimbursement date validation test. |  |  |
| 97037733 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape indicates that the transaction is considered a flip and is unsaleable. The review of the appraisal report shows the date of prior sales or transfers is xx, and the price of the prior sale or transfer is xx. The subject sale price is xx. Further details not provided. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 97037733 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.337% exceeds APR threshold of 8.190% over by +0.147%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 97037733 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated 8.315% exceeds APR threshold of 8.190% over by +0.125%. Subject loan is escrowed. |  |  |
| 11591641 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 11591641 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan closed a construction to permanent loan, and the AUS and credit documents expired, and after the modification, the loan terms changed, invalidating the AUS recommendation. Further details not provided. |  |  |
| 11591641 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1))an APR calculated at 9.287% exceeds the APR threshold of 8.490% over by +0.797%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d). |  |  |
| 11591641 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | The hazard insurance certificate is missing from the loan documents. |  |  |
| 81543544 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 81543544 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees and recording fee at $192.00. CD dated xx reflects the sum of Section C and Recording fee at $1,809.75. This is a cumulative increase of +$1,598.55 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 81543544 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 48.86% DTI. The Lender closed the loan with expired asset statements for distribution income and without evidence of receipt of the distribution income. Lender defect. Revised DTI 66.83%. Subject loan originated xx and the 3-year SOL is active. The BWR's both receive SSI and pension income, FICO 779, $2,116 residual income, 0X30 since inception and xx equity in the subject. |  |  |
| 84771774 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA MI certificate is missing from the loan documents. |  |  |
| 84771774 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the file shows that BWR signed the closing documents one day prior to the date stated on those documents. Further details not provided. |  |  |
| 84771774 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date. |  |  |
| 30681035 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Tape and review of the file shows asset distribution income from stock accounts used for qualification is ineligible. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR1 & BWR2 receive asset distribution income, FICO 793, 0X30 since inception and xx equity in the subject. |  |  |
| 91797210 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees and recording fees at $770.00. CD dated xx reflects the sum of Section C and the recording fee at $1,920.00. This is a cumulative increase of +$1,150.00 for charges that in total cannot increase more than 10% in the test. COC for the increase in fee is missing from the loan documents. |  |  |
| 91797210 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 91797210 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 91797210 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | The credit report is missing from the loan document. |  |  |
| 91797210 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and file show the subject loan closed with no credit score for either of the BWRs, and they did not meet the requirement of Freddie Mac guidelines, as the lender did not have a minimum of two payment references in the US. Further details not provided. |  |  |
| 73791171 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.58%. Tape shows the rental income miscalculation due to BWR misrepresenting the lease agreement for the REO. Further details not provided. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 3.58 years on the job as a manager with xx, FICO 705, 0X30 since inception, and xx equity in the subject. |  |  |
| 73791171 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx reflects points - a loan discount fee at $643.23. The CD dated xx reflects points - a loan discount fee at $938.97. This is an increase in fee of +$295.74 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. TRID violation due to decrease in lender credit on closing disclosure dated xx. The initial LE dated xx reflects a lender credit of $2,470.00, and the final CD dated xx reflects a lender credit of $0.00. This is a decrease of +$2,470.00 for the fee, which has a 0% tolerance test. The subject loan is a purchase originated on xx, and the SOL is 1 year. |  |  |
| 73791171 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 73791171 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| 73791171 | xx | Full Review | xx | xx | cfec44f3-b357-401b-9621-ad0bd9a43e24 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Commercial Prop (Lvl 4) | The collection comment dated 05/20/2025 states the primary residence is potentially being used for business purposes. Tape shows subject has income producing horse barn. The appraisal report and Zillow show the subject property is an equestrian estate on a 10-acre lot complete with two barns, a state-of-the-art arena, a XXX, and a charming farmhouse. Online search shows the subject property is identified as XXX, and they deal with sales, boarding, conditioning, and recovery barn dedicated to providing the highest quality care for horses. Elevated for client review. |  |  |
| 63818890 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan fails prohibited fees test.<br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,095.00<br> Attorney Fee paid by Seller: $1,750.00<br> Attorney Fee-Borrower's Attorney paid by Borrower: $2,000.00<br> Fee paid by Borrower: $650.00<br> Fraud Service paid by Borrower: $35.00<br> Real Estate Commission paid by Seller: $60,000.00<br> Title - Copy or Fax Fee paid by Borrower: $25.00<br> Title - Platform Management paid by Borrower: $1.00<br> Title - Tax and Assessment paid by Borrower: $30.00<br> Title - US District CT & US Superior paid by Borrower: $96.00<br> Title Closing Protection Letter paid by Borrower: $75.00 |  |  |
| 63818890 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.80% DTI. The Lender miscalculated income for BWR 2. Lender defect. Revised DTI 59.43%. Subject loan originated xx and the 3-year SOL is active. The BWR is SE with xx as a Financial Planner for 4.8 years, BWR 2 is employed with xx as a Teacher for 1.2 years and xx for 2.10 years, FICO 714, $4,644 residual income and xx equity in the subject. |  |  |
| 63818890 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on closing disclosure dated xx. The initial LE dated xx reflects a lender credit of $1,323.00, and the final CD dated xx reflects a lender credit of $0.00. This is a decrease of $1,323.00 for a fee that has a 0% tolerance test. The subject loan originated on xx, and the 1-year SOL has expired. |  |  |
| 63818890 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 97529682 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | The tape shows reserves are not sufficient. Bank statements in the file show $50K in assets including gift assets of $42K, satisfying the cash-to-close requirement of xx. Gift funds of $39K were refunded to the donor, and the remaining assets in reserves of $3K do not satisfy the reserve requirement of $22K. Further details not provided. |  |  |
| 39584241 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows that the loan exceeds the allowable cash-out limit. Further details not provided. Final CD shows non-mortgage debts of $120K paid off through the subject transaction. |  |  |
| 39584241 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 39584241 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on closing disclosure dated xx. Revised LE dated xx reflects lender credit at $68.00. Final CD dated xx reflects lender credit at $62.00. This is a decrease of +$6.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx and the 3-year SOL is active. |  |  |
| 39584241 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 13711105 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 13711105 | xx | Full Review | xx | xx | b82548b9-9cdc-4657-baa9-e6e5c8ea9071 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | Buydown agreement signed by the borrower is missing from the loan documents. |  |  |
| 13711105 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 13711105 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 45.44%. The tape shows income miscalculation, as the BWR's income is variable. Further details not provided. Lender defect. The revised DTI is 50.13%. The subject originated on xx, and the 3-year SOL is active. BWR has 1.16 years on the job as a laborer with xx, FICO 728, xx equity in the subject, and $3,157 residual income. |  |  |
| 13711105 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflect does points - loan discount fee. Final CD dated xx reflects points - loan discount fee at $130.45. This is an increase in fee of +$130.45 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on CD dated xx. Initial CD dated xx reflects lender credit at $34.14. Final CD dated xx does not reflect lender credit. This is decrease of +$34.14 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br> The subject is a purchase case originated on xx, and the 1-year SOL has expired. |  |  |
| 93870426 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93870426 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is uninsurable by the VA due to VA bonus entitlement miscalculation. Further details not provided. |  |  |
| 93870426 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 9247462 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject loan was rejected by the investors due to the zoning of the subject property being rural. Review of the appraisal report shows the property is in a rural zone. Further details not provided. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 9247462 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed Qualified Mortgage APR Threshold Test due to APR calculated 8.950% exceeds APR threshold of 8.900% over by +0.050%.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.950% exceeds APR threshold of 8.150% over by +0.800%. |  |  |
| 9247462 | xx | Full Review | xx | xx | 64b4e88c-ac9f-44af-bd44-81df53d25df8 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 3: Curable | \* Closing_Disclosure violations (Lvl 3) | The revised closing disclosure is missing from the loan documents. |  |  |
| 94426195 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect Points - Loan Discount fee. CD dated xx reflects Points - Loan Discount fee at $4,781.25. This is an increase in fee of +$4,781.25 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx and the 1-year SOL is active. |  |  |
| 94426195 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 94426195 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 94426195 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows 9 months of reserves. Further details not provided. Bank statements in the file show $389K of assets satisfy the cash-to-close requirement of xx. Remaining $258K of reserves. BWR has been xx as an xx for 3.91 years, FICO 761, 0X30 since inception, and xx equity in the subject. |  |  |
| 96067290 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows issue as appraisal. The subject had a prior sale on xx for xx, and the current market value is xx. appraiser noted that the subject was previously purchased as distressed property and has been renovated since last purchase. Further details not provided. Zillow search shows an estimated value of xx. Current UPB xx. |  |  |
| 96067290 | xx | Full Review | xx | xx | 30f5ee14-9cca-47bb-8ed2-40f698aea049 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Credit | Active | 3: Curable | \* Type of Ownership is Leasehold Or Cooperative (Lvl 3) | As per the final title policy located at "xx loan," the property is leasehold. The subject loan originated on xx with a maturity date of xx. The UT report dated xx, which alerts to a severe defect, shows that the property is leasehold. The title policy schedule B located at "xx.pdf pg#18" shows the exception for the ground rent lease dated xx, recorded in liber no 1456, folio 193. The leasehold agreement is available at "Leasehold," and it reflect that leasehold is forever. |  |  |
| 44662741 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44662741 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 44662741 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx reflects Points - Loan Discount Fee at $279.00. The CD dated xx reflects Points - Loan Discount Fee at $385.49. The loan estimate dated xx reflects an appraisal re-inspection fee of $175.00. The CD dated xx reflects an appraisal re-inspection fee of $300.00. This is a cumulative increase in fee of $231.49 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx, and the 1-year SOL has expired. |  |  |
| 44662741 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 44662741 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the contract date did not meet FHA flipping requirements. The review of the appraisal report shows the date of contract is xx and the date of the prior sale or transfer is xx in the amount of xx. The subject's appraised value on xx was xx. Subject has been renovated. The kitchen and bathroom have been remodeled. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 66141842 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the file show that BWR signed the closing documents one day prior to the date stated on those documents and does not meet the TRID 3-day requirement. Further details not provided. |  |  |
| 4001034 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 4001034 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | The credit report is missing from the loan documents. |  |  |
| 4001034 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Right of Rescission missing or unexecuted (Lvl 3) | The right of rescission is missing from the loan documents. |  |  |
| 4001034 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan does not meet VA seasoning period requirements. |  |  |
| 56244522 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx reflect Points - Loan Discount Fee at $5,247.00. CD dated xx reflects Points - Loan Discount Fee at $7,632.00.<br> The loan estimate dated xx does not reflect Tax Service Fee. CD dated xx reflects Tax Service Fee at $79.00.<br> This is a cumulative increase in fees of $2,464.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx, and the SOL of 3 years is active. |  |  |
| 56244522 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 56244522 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 48.10%. The tape shows SE income misrepresentation. BWR did not file all of the required tax returns, the returns filed had errors, income was declining, and one of the businesses was not registered with the state. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 3 years as a CEO with xx. Additionally, BWR receives asset depletion and SSA income, FICO 692, 0X30 since inception, and xx equity in the subject. |  |  |
| 54667359 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA Finance Charge test due to Calculated Finance charge of $858,984.96 exceeds Disclosed Finance charge of $858,849.96 over by - $135.00. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. The subject loan is a purchase, originated on xx and the SOL is 1 year. |  |  |
| 54667359 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #2 with a sales price of xx, is closest to the subject property. Zillow search shows an estimated value of xx. Current UPB is xx. Lowered appraised value increased LTV to xx. |  |  |
| 17287033 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated 8.710% exceeds APR threshold of 8.150% over by +0.560%. |  |  |
| 17287033 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 17287033 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the lender failed to obtain a second appraisal, as the subject property value was flipped and the loan is HPML. The review of the appraisal report shows the date of prior sales or transfers is xx, and the price of the prior sale or transfer was xx. The current sale price is xx. The last owner had replaced the flooring throughout, updated the kitchen and bathroom, and painted the interiors. Zillow search shows an estimated value of xx. Current UPB xx. Further details not provided. |  |  |
| 17287033 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.734% exceeds APR threshold of 8.150% over by +0.584%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 17287033 | xx | Full Review | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial loan estimate is missing from the loan documents. |  |  |
| 17287033 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement service providers list is missing from the loan documents. |  |  |
| 17287033 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete, as the initial LE is missing from loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 17287033 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 17287033 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is not signed by the borrower. |  |  |
| 17287033 | xx | Full Review | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 12109729 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 12109729 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 12109729 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 12109729 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $78,961.51. Calculated finance charge is $79,120.87 for an under disclosed amount of -$159.36. |  |  |
| 12109729 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the BWR remains unresponsive while continuing to make payments. According to payment history as of 06/27/2025, the borrower is current with the loan, and the next due date is 09/01/2025. The current UPB is xx. |  |  |
| 34582585 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges cannot increase more than 10% in the tolerance test. LE dated xx reflects the sum of Section C fees and the recording fee at $409.00. CD dated xx reflects the sum of Section C and the recording fee at $684.00. This is a cumulative increase of +$234.10 for charges that in total cannot increase more than 10% test. COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 34582585 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 34582585 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 34582585 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the income from both BWRs has exceeded the maximum limit for the county and does not meet the OHCS first home product guidelines. |  |  |
| 67093147 | xx | Full Review | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Transmittal summary is missing from the loan documents. |  |  |
| 67093147 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case; the final CD dated xx reflects cash in the amount of $1,501.74. |  |  |
| 67093147 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and DU report show the risk recommendation for the subject loan is refer at a DTI of 38.94%, and manual UW is not allowed under loan program guidelines. Further details not provided. |  |  |
| 67093147 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The FHA MI certificate is missing from the loan documents. |  |  |
| 29326625 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan fails TRID Total of Payments Test due to fees charged: $299,805.67. Exceeds fees threshold of $299,916.99 by over -$111.32.<br>The subject loan is a purchase originated on xx, and the SOL is 1 year. |  |  |
| 29326625 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan closed with a Goal Grant loan of $2,500 does not meet the loan program eligibility requirements, as the BWR is not an FTHB. Further details not provided. |  |  |
| 29326625 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 13117218 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 13117218 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect Appraisal Review Fee. CD dated xx reflects Appraisal Review Fee at $250.00. This is an increase in fee of +$250.00 for charges that cannot increase. The subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 13117218 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 48.12%. The tape and review shows the income was miscalculated. Lender defect. Revised DTI 60.74%. Subject loan originated xx and the 3-year SOL is active. BWRs is employed with xx as a Machine Operator for 1 year and 5 months, same line of work for 8 years. BWR2 is employed with xx as a Warehouse Associate for 3 years, in same line of work for 10 years. FICO 703, residual income of $3061, $22K equity in the subject, 0X30 since inception and $26K in assets after closing. |  |  |
| 83609043 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 83609043 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 83609043 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test and charges that cannot increase 10% tolerance test due to loan failed initial LE estimate delivery and timing test. The initial LE dated xx was delivered on xx, which is more than 3 business days from the initial application date of xx. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 83609043 | xx | Full Review | xx | xx | c56299d8-a56d-4ee2-ba5d-9e8408623724 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase RESPA Test Failed (Lvl 3) | The loan failed the RESPA timing test due to the LE, settlement services provider list, and the homeownership counseling organization disclosure were issued 4 days after the initial application date. The initial loan application date is xx, and the documents are dated xx. |  |  |
| 83609043 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.87%. Tape shows lender missed a new debt the BWR opened before closing. Revised DTI is 51.91%. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR1 has 12 years on the job as a program manager at the xx. BWR2 has been SE as an operator for 9.83 years, FICO 756, 0X30 since inception, xxequity in the subject and $7,606 residual income. |  |  |
| 83609043 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan failed the initial loan estimate delivery date test due to initial loan estimate is dated xx and electronically signed on xx which is more than 3 days. Unable to determine delivery date due to missing doc tracker. TRID is failing for delivery timing of initial loan estimate. |  |  |
| 2258623 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.10% DTI. The Lender miscalculated income. Lender defect. Revised DTI 52.13%. Subject loan originated xx and the 3-year SOL is active. The BWR is employed with Hand-on-Hand xx for 4 years and SE as an Actor and xx for 3 years, BWR 2 is SE as an Actor for 3 years, FICO 730, $1,928 residual income, 0X30 since inception and xx equity in the subject. |  |  |
| 1217703 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | Credit Report is missing from loan file. |  |  |
| 1217703 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at 48.62%. Tape shows BWR not employed at closing. BWR defect. Loan originated xx and the 3-year SOL is active. BWR 1 has six months on the job as a category manager at xx. BWR was a VP of business development with xx. between 10/1/2022 to 1/20/2024, xx equity in the subject and 0X30 since inception. |  |  |
| 1217703 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects Points - Loan Discount Fee at $4,156.00. CD dated xx reflects Points - Loan Discount Fee at $5,723.00. This is an increase in fee of $1,567.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. |  |  |
| 1217703 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 1217703 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. |  |  |
| 1217703 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an Appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search reflects an estimated value of xx. The current UPB is xx. |  |  |
| 40503872 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 40503872 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 40503872 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 40503872 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects Loan Origination Fee at $4,690.00. Final CD dated xx reflects Loan Origination Fee at $5,300.00. This is an increase in fee of +$610.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx and the 3-year SOL is active. |  |  |
| 40503872 | xx | Full Review | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 40503872 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape shows the construction conversion loan. The borrower completed a large principal reduction prior to modification on xx in the amount of xx. The loan was originated on xx with a loan amount of xx. As per the modification agreement located at "Ln#xx Pg#31," the loan was modified on xx, and the UPB has been decreased in the amount of xx. The current UPB is xx. |  |  |
| 1959403 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 43.38%. The tape shows the subject is NOO, as BWR rented the subject property after closing, causing the lender to omit primary housing expenses. The revised DTI is 44.93%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 1 year on the job as a first officer with xx, FICO 811, xx equity in the subject, 0X30 since inception and $5,391 residual income. |  |  |
| 1959403 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO, as BWR rented the subject property after closing. Elevated for client review. |  |  |
| 1959403 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 1959403 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $288,664.26. The calculated finance charge is $288,514.26 for an under disclosed amount of -$150.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. The subject loan is a purchase that originated on xx, and the SOL is 1 year. |  |  |
| 58252341 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.86%. Tape shows SE income miscalculation. Further details not provided. Lender defect. The revised DTI is 53.12%. The subject loan was originated on xx, and the 3-year SOL is active. BWR1 has been SE for 8.41 years at xx, FICO 784,xx equity in the subject, $18K assets, 0X30 since inception and $3,647 residual income. |  |  |
| 58252341 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $473,106.59. The calculated finance charge is $472,956.59 for an undisclosed amount of -$150.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. |  |  |
| 2408176 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.93% DTI. The Lender used SE distributions as income that was not supported and excluded liabilities. Lender defect. Revised DTI 67.23%. Subject loan originated xx and the 3-year SOL is active. The BWR is employed with xx as the Sales Manager for 9 years, BWR 2 is SE with xx for 15 years, FICO 716, $3,387 residual income, 0X30 since inception and xx equity in the subject. |  |  |
| 2408176 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Pennsylvania license validation test. |  |  |
| 29288958 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed the written list of service providers disclosure date test. |  |  |
| 29288958 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $544,108.33. The calculated finance charge is $543,733.33 for an under-disclosed amount of -$375.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. |  |  |
| 29288958 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to decrease in lender credit on closing disclosure dated xx. The initial CD dated xx reflects lender credit at $7.00; the final CD dated xx reflects the lender at $0.00. This is a decrease of +$7.00 for a fee that has a 0% tolerance test.<br>The subject loan is a purchase, originated on xx, and the SOL is 1 year. |  |  |
| 29288958 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.49% DTI. The Lender used commission income with only 6 months employed and other income that was not supported in the loan file. Lender defect. Revised DTI 71.33%. Subject loan originated xx and the 3-year SOL is active. The BWR is employed with xx as a Parts Advisor for 6 months, BWR 2 receives SSI and Other income, FICO 760, $2,048 residual income and xx equity in the subject. |  |  |
| 29288958 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 84855733 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO, as BWR listed the subject property for rent shortly after closing. Further details not provided. Elevated for client review. |  |  |
| 84855733 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 84855733 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $878,080.97. The calculated finance charge is $878,230.97 for an under disclosed amount of -$150.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. |  |  |
| 84855733 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Cash out purchase (Lvl 3) | The subject loan is a purchase case. The final CD dated xx reflects cash to in the amount of $XX. |  |  |
| 84855733 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 43.35%. Tape shows the subject is NOO, as BWR listed the subject property for rent shortly after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has 3.08 years on the job as a senior principal IT specialist with xx, FICO 783, 0X30 since inception and xx equity in the subject. |  |  |
| 31849445 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 36.50%. Tape shows the subject is NOO, as BWR listed the subject property for rent shortly after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL is active. BWR2 has 2.75 years on the job as a director of technology with xx, FICO 777, 0X30 since inception and xx equity in the subject. |  |  |
| 31849445 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan fails prohibited fees test.<br> The below fees were included in the test:<br> HOA Capital Contribution paid by Borrower: $500.00<br> HOA Dues paid by Borrower: $286.97<br> Taxes Due paid by Seller: $854.75<br> Title - Electronic Delivery paid by Borrower: $50.00<br> Title Closing Protection Letter paid by Borrower: $75.00<br> Title Corporate Status and State paid by Borrower: $31.00<br> Title Municipal Lien Search paid by Borrower: $35.00<br> Title Notice of Settlement paid by Borrower: $40.00<br> Title Transaction Management paid by Borrower: $35.00<br> Verification Fee paid by Lender: $66.45 |  |  |
| 31849445 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date. |  |  |
| 31849445 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO, as BWR listed the subject property for rent shortly after closing. Further details not provided. Elevated for client review. |  |  |
| 47302897 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 47302897 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 32.38% DTI. The Lender allowed the loan to close with instability of employment and income for the coborrower. Lender defect. Revised DTI is 94.83%. The borrower has been employed for 2 months as the Director of xx for xx, and was previously self-employed for 7 years in retail. The subject loan originated xx and the 3-year SOL is active, FICO 661, 0x30 since inception, and xx equity in the subject property. |  |  |
| 91929530 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 50.19%. The tape shows PITI miscalculation as the HOA dues increased in 2022. The revised DTI is 53%. Further details not provided. Lender defect. The subject loan was originated on xx and the 3-year SOL has expired. BWR has 2.58 years on the job as a graphic designer at xx. FICO 802, xx equity in the subject, 0X30 last 24 months and $2,144 residual income. |  |  |
| 91929530 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx, reflects cash to the borrower in the amount of $XXXX. |  |  |
| 91929530 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 50.19% as the borrower's income is $4,839.47 and total expenses are in the amount of $2,417.43 and the loan was underwritten by LP Locator xx File PG#257 and its recommendation is Accept with a DTI of 50%. |  |  |
| 68652783 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 43.16%. Tape shows SE income was not established. Lender defect. The subject loan was originated on xx, and the 3-year SOL has expired. BWR has been SE for 6.58 years at xx. Additionally, the BWR receives disability income. FICO 711 and xx equity in the subject. |  |  |
| 68652783 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| 68652783 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 43.16% as the borrower's income is $9,649.67 and total expenses are in the amount of $4,165.02 and the loan was underwritten by LP Locator xx File PG#217 and its recommendation is Accept with a DTI of 43%. |  |  |
| 57343810 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject approved at 46.64%. Tape shows income misrepresentation. WVOE in file for BWR employer XXX does not match results that came back from the Work Number. Work Number shows 2024 income of $1538 for a different company owed by xx. Further details not provided. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR1 has 6.16 years on the job as a director of accounting with XXX of xx, and BWR2 has 4.83 years on the job as a GM with xx, FICO 726, and xx equity in the subject. |  |  |
| 57343810 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx reflects an appraisal fee of $565.00. The PCCD dated xx reflects an appraisal fee of $715.00. This is an increase in fee of +$150.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan was originated on xx, and the 1-year SOL is active.<br> TRID Violation due to decrease in lender credit on closing disclosure dated xx. The initial LE dated xx reflects lender credit at $565.00; the PCCD dated xx reflects the lender at $0.00. This is a decrease of +$565.00 for a fee that has a 0% tolerance test.<br> Loan failed charges cannot increase more than 10% in the tolerance test. LE dated xx reflects the sum of Section C fees and the recording fee at $4,170.00. PCCD dated xx reflects the sum of Section C and the recording fee at $5,522.00. This is a cumulative increase of +$1,351.90 for charges that in total cannot increase more than 10% per test. COC for the increase in fee is missing from the loan documents. |  |  |
| 57343810 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 57343810 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 84663590 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 84663590 | xx | Full Review | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Loan has escrow holdback. No proof it was released (Lvl 3) | The final CD, dated xx, reflects an escrow holdback in the amount of xx. Proof for the release of escrow holdback is missing from the loan documents. |  |  |
| 84663590 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation late fees test, as the late fee of 5% charged on the loan exceeds the threshold of 2.000%, and it is over by +3.000%. |  |  |
| 84663590 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan purchase timeframe exceeded the limit due to the county septic delays being replaced. Further details not provided. |  |  |
| 84663590 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx does not reflect appraisal re-inspection fee. Final CD dated xx reflects appraisal re-inspection fee at $120.00. This is an increase in fee of +$120.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject is a purchase case, originated on xx, and 1-year SOL is active. |  |  |
| 48872697 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Vermont | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the credit report was expired at the time of closing, and a new credit report was obtained after closing with a high score. Further details not provided. |  |  |
| 73927966 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as OO at 13.87%. Tape shows the subject is NOO, causing the lender to omit the primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 8.3 years at xx, FICO 688, 0X30 since inception. |  |  |
| 73927966 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges cannot increase more than 10% in the tolerance test. LE dated xx reflects the sum of Section C fees and the recording fee at $926.20. The CD dated xx reflects the sum of Section C and the recording fee at $1,022.00. This is a cumulative increase of +$95.80 for charges that in total cannot increase more than 10% per test. COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx, and the SOL is 3 years. |  |  |
| 73927966 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 73927966 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan fails the compliance delivery and timing test for the CD dated xx. The document tracker is missing, and 3 business days were added to get the receipt date of xx, which is after the consummation date of 3/14/2025. |  |  |
| 73927966 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 73927966 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO. Elevated for client review. |  |  |
| 31301286 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as is; the improvement section shows the exterior siding of the garage needs to be repaired. The estimated cost to cure is in the amount of xx. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 31301286 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 31301286 | xx | Full Review | xx | xx | 74be4ec5-5b69-41dd-8139-7a2f79aff20b | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | \* DSCR is less than 1.00 (Lvl 3) | Net operating income is $32,400.00, annual payments (debt service) are $33,784.44, and the debt service cover ratio (DSCR) is 0.96. |  |  |
| 44679426 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $915,142.47. The calculated finance charge is $915,274.47 for an under disclosed amount of -$132.00. |  |  |
| 44679426 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 44.58%. Tape shows subject is NOO, as owner occupancy is not supported, causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has 7.41 years on the job as an operator with xx., FICO 785, and xx equity in the subject. |  |  |
| 44679426 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44679426 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows subject is NOO, as owner occupancy is not supported. Further details not provided. Elevated for client review. |  |  |
| 8124116 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan amount is incorrect, and BWR was refunded the funding fee from VA. Further details not provided. |  |  |
| 8124116 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 21061694 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 21061694 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.82%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 3 years on the job as an account manager at xx, FICO 705, 0X30 since inception, and xx equity in the subject. |  |  |
| 61369828 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 61369828 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The loan fails the qualified mortgage lending policy points and fees test due to Fees charged $6,231.87, exceed the fees threshold of $5,415.27 by $816.60. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $4,636.87 Processing Fee paid by Borrower: $500.00 Underwriting Fee paid by Borrower: $1,095.00<br>The loan failed the FHA QM safe harbor test threshold test due to APR calculated 7.713% exceeds the APR threshold of 8.527% by -0.814%. The subject loan is escrowed.<br>The loan fails the FHA QM Rebuttable Presumption Test due to fees charged of $6,231.87. Exceeds the fees threshold of $5,415.27 by $816.60. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $4,636.87 Processing Fee paid by Borrower: $500.00 Underwriting Fee paid by Borrower: $1,095.00 |  |  |
| 61369828 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 61369828 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet the seasoning requirement of property ownership for a minimum of 12 months for cash-out refinance. The property was purchased by the borrower on 4/10/2024 for xx, and the case # was pulled by the previous lender on 1/22/2025. Further details not provided. The Zillow search reflects an estimated value of xx. |  |  |
| 61369828 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx does not reflect the appraisal re-inspection fee. CD dated xx reflects Appraisal Re-Inspection Fee at $175.00. This is an increase in fee of +$175.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. <br>Loan failed charges cannot increase more than 10% in the tolerance test. LE dated xx reflects the sum of Section C fees and the recording fee at $1,504.80. The CD dated xx reflects the sum of Section C and the recording fee at $1,911.75. This is a cumulative increase of +$406.95 for charges that in total cannot increase more than 10% per test. COC for the increase in fee is missing from the loan documents.<br> Subject loan is a refinance, originated on xx and the SOL is 3 years. |  |  |
| 61369828 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test because the fees charged, $6,231.87, exceed the fee threshold of $5,415.27 by +$816.60. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $4,636.87 Processing Fee paid by Borrower: $500.00 Underwriting Fee paid by Borrower: $1,095.00 |  |  |
| 59718354 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the BWR had two FHA loans and does not qualify for any policy exemptions. Further details not provided. |  |  |
| 59718354 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA MI certificate is missing from the loan documents. |  |  |
| 59718354 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 25893319 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA MI certificate is missing from the loan documents. |  |  |
| 25893319 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 25893319 | xx | Full Review | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 3: Curable | \* ROR not hand dated by borrower(s) (Lvl 3) | ROR is not hand-dated by the borrower. |  |  |
| 25893319 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the BWR had two FHA loans and does not qualify for any policy exemptions. Further details not provided. |  |  |
| 71842151 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.163% exceeding the APR threshold of 8.120% by +0.043%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.154% exceeds APR threshold of 8.120% over by +0.034%. |  |  |
| 71842151 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and review of the file show the revised appraisal (collateral desktop analysis report) was not delivered 3 days prior to the note date. Further details not provided. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 93712284 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan was deemed ineligible, as the BWR income is from the cannabis-based industry. Further details not provided. |  |  |
| 93712284 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The improvement and the photo addendum of the appraisal report show plaster repair needed around the window area and missing kitchen ceiling tiles. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 12691396 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed FHA QM Safe Harbor loan test due to APR calculated 8.233% exceeds APR threshold of 8.077% over by +0.156%. |  |  |
| 12691396 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the BWR had two FHA loans and does not qualify for any policy exemptions. Further details not provided. |  |  |
| 12691396 | xx | Full Review | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Doc Issue | Active | 3: Curable | \* ROR not hand dated by borrower(s) (Lvl 3) | The ROR is not hand-dated by the borrower. |  |  |
| 12691396 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.233% exceeding the APR threshold of 7.930% by +0.303%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.065% exceeds APR threshold of 7.930% over by +0.135%. |  |  |
| 12691396 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 12691396 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA MI certificate is missing from the loan documents. |  |  |
| 12691396 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 37926431 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at 49.62%. Tape shows undisclosed debt. Revised DTI is 58.62%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 29.41 years at xx, FICO 770, 0X30 since inception, xx equity in the subject, and $7,765 residual income. |  |  |
| 6764103 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows a repurchased loan due to delinquency: The borrower has fallen into Early Payment Default (EPD), which has rendered the loan ineligible to remain with the investor. The borrower failed to make one or more of the first three (3) monthly payments due to the investor post-closing. According to payment history as of 7/11/2025, the borrower is current with the loan, and the next due date is 8/1/2025. The current UPB reflected as per the payment history is xx. |  |  |
| 6764103 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject is NOO and approved at 42.18%. The tape shows an increased DTI of 44.14%. Further details not provided. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 3.33 years at xx., FICO 776 and xx equity in the subject. |  |  |
| 90508900 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller tape defect shows the investor (XXX) rejected the loan for purchase due to surpassing the purchase deadline of 180 days while we pended receipt of the Final TPOL, and the title policy has been received, which is located at Final TPOL_xx. Schedule B of the Final TPOL reflects the mortgage originated on xx and recorded on xx in the amount of xx. |  |  |
| 90508900 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 90508900 | xx | Full Review | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* LTV / CLTV > 100% (Lvl 2) | Collateral value used for underwriting is xx. The amount of the secondary lien is xx. Loan amount is xx. LTV is xx, and CLTV is xx. Current UPB is xx. |  |  |
| 90508900 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects Transfer Taxes at $1,219.00. Final CD dated xx reflects Transfer Taxes at $1,223.75. This is an increase in fee of +$4.75 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 90508900 | xx | Full Review | xx | xx | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | LTV | Active | 2: Acceptable with Warnings | \* LTV or CLTV exceeds 104% (Lvl 2) | Collateral value used for underwriting is xx. The amount of the secondary lien is xx. Loan amount is xx. LTV is xx, and CLTV is xx. Current UPB is xx. |  |  |
| 83035681 | xx | Full Review | xx | xx | b82548b9-9cdc-4657-baa9-e6e5c8ea9071 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Credit | Active | 3: Curable | \* Required Documentation Missing (Lvl 3) | The revised closing disclosure dated xx is missing from the loan documents. |  |  |
| 83035681 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 47.50%. Tape shows dividend income miscalculation. The revised DTI is 52.67%. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR1 has 1.33 years on the job as a deputy public information officer with the xx, FICO 762, 0X30 since inception, xx equity in the subject, and $4,354 residual income. Review shows ATR confirmed. |  |  |
| 83035681 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 69836920 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.65%. The tape shows income miscalculation as the VOE shows fluctuating hours and a history of layoffs. The revised DTI is 60.83%. Lender defect. The subject originated on xx, and the 3-year SOL is active. BWR has 2.66 years on the job as a line worker with xx, FICO 677, 0X30 since inception, xx equity in the subject, and $1,188 residual income. |  |  |
| 10171642 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 10171642 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows an IPC violation, as the seller credit of $18,300.00 on the final CD exceeds the closing cost of xx by xx. Further details not provided. |  |  |
| 60442880 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $11,705.42 exceed fees threshold of $10,632.71 over by +$1,072.71.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $150.00<br> Closing Fee - Lender paid by Borrower: $475.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $399.00<br> Loan Origination Fee paid by Borrower: $3,686.30<br> Points - Loan Discount Fee paid by Borrower: $6,365.12<br> Processing Fee paid by Borrower: $30.00<br> Underwriting Fee paid by Borrower: $600.00.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $11,705.42 exceed fees threshold of $10,632.71 over by +$1,072.71.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $150.00<br> Closing Fee - Lender paid by Borrower: $475.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $399.00<br> Loan Origination Fee paid by Borrower: $3,686.30<br> Points - Loan Discount Fee paid by Borrower: $6,365.12<br> Processing Fee paid by Borrower: $30.00<br> Underwriting Fee paid by Borrower: $600.00. |  |  |
| 60442880 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 60442880 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application is missing from the loan documents. |  |  |
| 60442880 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 60442880 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 60442880 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 55.26%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR1 has 2.25 years on the job as a therapist with xx. BWR2 has 8 months on the job as an associate chiropractor with xx, FICO 712, 0X30 since inception. |  |  |
| 60442880 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 60442880 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.404% exceeds APR threshold of 8.230% over by +0.174%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.241% exceeds APR threshold of 8.230% over by +0.011%. <br>Loan failed FHA QM Safe Harbor threshold test due to APR calculated 8.404% exceeds APR threshold of 8.427% below by -0.023%. |  |  |
| 60442880 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 60442880 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx reflects cash to the borrower in the amount of $XXX. |  |  |
| 57860528 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 57860528 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 57860528 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects loan origination fee at $3,069.00. Final CD dated xx reflects loan origination fee at $3,083.00. This is an increase in fee of $14.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx, and the 3-year SOL is active. |  |  |
| 57860528 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and the AUS report show the lender used an incorrect appraised value of xx. Review of the appraisal report shows an appraised value of xx, which increases the LTV from xx to xx. Further details not provided. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 57860528 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 57860528 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 23797301 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx reflects cash to the borrower in the amount of $XXX. |  |  |
| 23797301 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 23797301 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 44.74%. Tape shows BWR1 was not employed at the time of closing. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 1 year on the job as an associate at xx. BWR2 has 1 month on the job as an EVS leader at xx. Additionally, BWR2 has 1 year on the second job as a medical supply specialist at the xx, FICO 635, and xx equity in the subject. |  |  |
| 41218628 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | TRID total of payment disclosed on final CD as $1,592,345.71. Calculated total of payments is $1,592,520.70 for an under disclosed amount of -$505.31. The disclosed total of payments of $1,592,345.71 is not considered accurate because it is understated by more than $100. The subject is a purchase case originated on xx, and the 1-year SOL is active. |  |  |
| 41218628 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41218628 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 47.77%. The tape shows rental income miscalculation, and the lender used 100% ownership; the actual ownership was 25%. Revised DTI is 68.99%. Lender defect. The subject originated on xx, and the 3-year SOL is active. BWR2 has 12.33 years on the job as a transit operator with xx. BWR3 has 11 years on the job as a customer service representative with the xx. Additionally, BWR3 has 6.16 years on the job as a property manager with xx, FICO 699, xx equity in the subject, and a residual income of $3,259. |  |  |
| 4728154 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.50% DTI. The Lender allowed the loan to close with instability of employment and income. Lender defect. The subject loan originated xx and the 3-year SOL is active. BWR has 4 months on the job as an electrician with xx, FICO 697, $2,087 residual income, xx in assets. |  |  |
| 2246682 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 44.97%. Tape shows qualifying income for BWR2 is not supported by income documents. Further details not provided. Lender defect. The subject originated on xx, and the 3-year SOL is active. BWR1 has 7.41 years on the job as a manager with xx. BWR2 has been SE for 14.33 years at xx. Additionally, BWR2 has been SE for 2.41 years at xx and has 2.41 years on the job as a partner at xx, FICO 744, and xx equity in the subject. Review shows ATR confirmed. |  |  |
| 40407213 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx.pdf_Pg#77," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at "Ln#xx PG#21, 24" state that the manufactured home with serial # xx has been affixed to the permanent foundation. |  |  |
| 40407213 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject is a manufactured home closed at an LTV of xx and exceeds the LTV of xx for xx. Further details not provided. |  |  |
| 40407213 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | Affiliated business disclosure is missing from the loan documents. |  |  |
| 63544219 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA MI certificate is missing from the loan documents. |  |  |
| 63544219 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 63544219 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling organizations disclosure is missing from the loan documents. |  |  |
| 63544219 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows 2 FHA loans within the same area. Further details not provided. The subject is an FHA purchase loan for a primary residence in XXX, TX. The file shows BWR owns REO property in XXX, NM, with an FHA mortgage. |  |  |
| 50681443 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| 50681443 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50681443 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 13.89%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 29.09 years at xx. Additionally, the BWR has been SE for 2.16 years at xx. FICO 805, 0X30 since inception, and xx equity in the subject. |  |  |
| 50681443 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 31811729 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 49.57%. Tape shows undisclosed debt opened prior to closing. Further details were not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 5.33 years at Retail Me Scott, FICO 769, and has xx equity in the subject. BWR has been 1X60 since inception. |  |  |
| 31811729 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx does not reflect points - loan discount fee. The CD dated xx reflects points - loan discount fee at $1,254.75. This is an increase in fee of +$1,254.75 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase that originated on xx, and the 1-year SOL has expired. |  |  |
| 31811729 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 35403586 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 35403586 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $376,650.44. The calculated finance charge is $377,656.19 for an under disclosed amount of -$1,005.75. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. |  |  |
| 35403586 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 35403586 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the condo is subject to ongoing litigation, and the HOA insurance policy covering any potential liability is missing from the loan documents. A review of the file shows the master insurance policy for the condo project, the condo questionnaire, and supporting documents related to the litigation against the condo project are missing from the loan documents. Further details not provided. |  |  |
| 92849582 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at 49.99%. Tape shows undisclosed debt opened prior to closing. The revised DTI is 57.14%. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR1 and BWR2 receive social security and retirement income, FICO 622, 0X30 since inception, and $5,610 residual income. |  |  |
| 92849582 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow shows an estimated value of xx. Current UPB is xx. |  |  |
| 99460273 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is a VA streamline refinance loan. Tape shows the loan does not meet GNMA seasoning guidelines. Further details are not provided. |  |  |
| 99460273 | xx | Full Review | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 41293660 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows the loan closed with insufficient reserves of only 1 month. Bank statements in the file (including EMD) show total verified assets of $175,723.98 satisfy the cash-to-close requirement of xx at closing and the reserve requirement of $17K. Further details not provided. |  |  |
| 22836520 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 22836520 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 36.17% DTI. The Lender allowed the loan to close with instability of employment and income. Lender defect. The borrower has been employed for 3 months as a Head Sales Specialist for xx with no prior similar experience. The subject loan originated xx and the 3-year SOL is active, FICO 759, $4664 residual income, 1X30 since inception and $16,500 equity in the subject property. |  |  |
| 22836520 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22836520 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and final CD show seller credit of $9,900 exceeding closing costs of xx by xx, and reducing the sales price by the amount of excessive contribution resulted in LTV exceeding xx. Due to a 30-day delinquency, no alternative eligibility options were available, and Fannie Mae issued a repurchase demand. The BWR claims that the late payment was due to bank error and is unable to provide any evidence. According to payment history as of 07/07/2025, the borrower is current with the loan, and the next due date is 08/01/2025. The current UPB is xx. |  |  |
| 31812654 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 31812654 | xx | Full Review | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | The home equity loan notice of address for borrower notification of violation is missing from the loan file. |  |  |
| 31812654 | xx | Full Review | xx | xx | fe27b315-3739-4437-8f1e-4b8e5fc6e00c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3) | Home equity loan copies of documents are missing from the loan file. |  |  |
| 31812654 | xx | Full Review | xx | xx | da2a7ebc-5993-445f-8fd8-49e03aadfec2 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) | Home equity loan interest and fees pre-closing disclosure is missing from the loan file. |  |  |
| 31812654 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no anti-steering disclosure was provided. Further details not provided. |  |  |
| 7783847 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject loan was originated on xx. Tape and the NMLS site show the mortgage broker was not licensed with the lender as of xx. Subject originated xx. Further details not provided. |  |  |
| 21202515 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the 0% tolerance test. Initial loan estimate dated xx reflects Appraisal Fee at $350.00. Final CD dated xx reflects Appraisal Fee at $500.00. This is an increase in the fee in the amount of +$150.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx, and the 1-year SOL is active. |  |  |
| 21202515 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject property is a manufactured home/condo and is ineligible to be sold to the agency. Further details not provided. |  |  |
| 21202515 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 21202515 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx - Loan file Page #309," the subject property type is a manufactured home. The ALTA 7 endorsement is attached with the final title policy. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at "Ln#xx Page#93 and #94" state that the manufactured home has been affixed to the permanent foundation. |  |  |
| 21202515 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 21202515 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx reflects cash to in the amount of $XXX. |  |  |
| 44167380 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 44167380 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the LP recommendation is refer with caution with 44% DTI. Review shows ATR confirmed. |  |  |
| 44167380 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan documents. |  |  |
| 13417730 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 13417730 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.92%. Tape shows lender did not include monthly MI from first lien of $506.09 in DTI calculation. The revised DTI is 53.26%. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 6 years on the job as an estimator at xx. BWR2 has 1 year on the job as a caregiver at xx, FICO 761, and 0X30 since inception. $4472 residual income. xx equity in subject. |  |  |
| 81632636 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date. |  |  |
| 81632636 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the CLTV of xx exceeds the guideline CLTV of xx. Further details not provided. Review of the file shows the subject loan was approved at xx CLTV. |  |  |
| 81632636 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 81632636 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx does not reflect Reinspection 1004D Fee. Post CD dated xx reflects Reinspection 1004D Fee at $137.00.<br> Loan estimate dated xx does not reflect Transfer Taxes. Post CD dated xx reflects Transfer Taxes at $1,509.00.<br> This is a cumulative increase in fee of $1,646.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx and the 3-year SOL is active.<br>TRID violation due to decrease in lender credit on CD dated xx. Revised LE dated xx reflects lender credit at $2,259.00. Post CD dated xx reflects lender credit at $570.60. This is decrease of -$1,688.40 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a refinance case, originated on xx and the 3-year SOL is active. |  |  |
| 81632636 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 81632636 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | The appraisal report is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 47716715 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 47716715 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 47716715 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows mortgage insurance is subject to cancellation. Further details not provided. |  |  |
| 47716715 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 44.02%. Tape shows miscalculation of liabilities. Revised DTI is 68%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 5.25 years on the job as a driver with xx. BWR2 has 2.08 years on the job as a software developer with XXX of xx, FICO 698, 0X30 since inception, xx equity in the subject, and a residual income of $5,364. |  |  |
| 47716715 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx does not reflect Points - Loan Discount Fee. Final CD dated xx reflects Points - Loan Discount Fee at $9,642.00. This is an increase fee in the amount of +$9,642.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx, and the 1-year SOL has expired. |  |  |
| 3746296 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 3746296 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | TRID total of payment disclosed on the final CD is $602,709.19. The calculated total of payments is $602,839.14 for an underdisclosed amount of -$129.95. The disclosed total of payments of $602,709.19 is not considered accurate because it is understated by more than $100. The subject loan is a purchase case that originated on xx, and the 1-year SOL is active. |  |  |
| 3746296 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan failed the GSE (Freddie Mac public guidelines) QM points and fees test due to the fees charged of $7,700.00 exceed the fees threshold of $7,563.09 over by +$136.91. The below fees were included in the test: Loan Origination Fee paid by Borrower: $5,300.00 Points - Loan Discount Fee paid by Borrower: $1,105.00 Underwriting Fee paid by Borrower: $1,295.00.<br>The loan failed the qualified mortgage lending policy points and fees test due to the fees charged of $7,700.00 exceed the fees threshold of $7,563.09 over by +$136.91. The below fees were included in the test: Loan Origination Fee paid by Borrower: $5,300.00 Points - Loan Discount Fee paid by Borrower: $1,105.00 Underwriting Fee paid by Borrower: $1,295.00. |  |  |
| 3746296 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.05% DTI. Tape shows rental income not documented. Lender defect. Revised DTI is 79.93%. The BWR is employed with xx as a Physical Therapist for 14 years and has a second job with xx as a Physical Therapist for 3 years. The subject loan originated xx and the 3-year SOL is active, FICO 802, $1027 in residual income, and xx equity in the subject. |  |  |
| 84669704 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at 32%. Tape shows debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 14.91 years on the job as an operations research analyst with xx., FICO 759, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 90980188 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 90980188 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 37.14%. The tape shows a debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has been SE as a driver for 4.5 years. FICO 742, 1X30 in the last 24 months, and xx equity in the subject. |  |  |
| 90980188 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final executed CD. CE was tested based on the unexecuted CD at closing. |  |  |
| 792181 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $233,593.63. The calculated finance charge is $233,198.63 for an under disclosed amount of -$395.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. |  |  |
| 792181 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 792181 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 35.58%. Tape shows employment misrepresentation. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL has expired. BWR1 has 10.33 years on the job as an adjunct professor with xx, Fresno; BWR2 has 1 month on the job as a director of sales with xx, FICO 803, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 39898940 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 39898940 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL as $136,414.48. Calculated finance charge is $136,744.43 for an under disclosed amount of -$329.95. Subject loan is a purchase case, originated on xx, and the 1-year SOL has expired. |  |  |
| 39898940 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan does not meet the 4-year seasoning period requirements for prior foreclosure history. The credit report does not show any prior foreclosure history for both the BWRs. Further details not provided. |  |  |
| 83871425 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 50.20%, the borrower income is $19,773.41, and total expenses are in the amount of $9,928.10, and the loan was underwritten by LP (xx_Pg#22), and its recommendation is "Accept" with a DTI of 50.20%. |  |  |
| 83871425 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations |  |  |
| 83871425 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx does not reflect Points - Loan Discount Fee. The CD dated xx reflects Points - Loan Discount Fee at $1,692.55. This is an increase in fee of $1,692.55 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx, and the 1-year SOL has expired. |  |  |
| 83871425 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 83871425 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 50.20%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has been SE for 24.08 years at xx, DDS, FICO 727, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 83871425 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $210,402.72. The calculated finance charge is $210,562.72 for an under disclosed amount of -$160.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. |  |  |
| 65136142 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed the state regulations for the prohibited fees test.<br> The below fees were included in the test:<br> Builder Fee paid by Borrower: $825.00<br> HOA Dues paid by Borrower: $344.10<br> HOA One time membership paid by Borrower: $1,500.00<br> HOA working Capital paid by Borrower: $558.00<br> Real Estate Commission paid by Seller: $6,500.00<br> Title CPL paid by Borrower: $75.00. |  |  |
| 65136142 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of xx. Comp #3 with a sales price of xx, is closest to the subject property. Redfin search shows an estimated value of xx. Current UPB is xx. Further details not provided. |  |  |
| 84526985 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.81% as the borrower's income is $4,960.41 and total expenses are in the amount of $2,371.82 and the loan was underwritten by DU Locator xx_File PG#6 and its recommendation is Approve/Eligible with a DTI of 47.81%. |  |  |
| 84526985 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | The subject was approved as an OO. Tape shows occupancy misrepresentation. Further details not provided. |  |  |
| 35212248 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 45.12%, as the borrower's income is $18,720.27, and total expenses are in the amount of $8,447.94. The loan was underwritten by LP (Locator #xx_File Pg #20), and its recommendation is "Accept" with a DTI of 45%. |  |  |
| 35212248 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at 45.12%. Tape shows undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 4 years on the job as a senior manager with xx., FICO 722, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 99241255 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 44.98%. Tape shows miscalculation of liabilities. Revised DTI is 56.95%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 1.33 years on the job as a professor and discipline lead of banking and financial services at xx, FICO 816, 1X90 in the last 24 months, xx equity in the subject, and $2,434 residual income. |  |  |
| 99241255 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect points - loan discount fee. Final CD dated xx reflects points - loan discount fee at $2,446.52. This is an increase in fee of $2,446.52 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 99241255 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 99241255 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.98% as the borrower's income is $5,655.63 and total expenses are in the amount of $2,544.23 and the loan was underwritten by AUS (Locator# xx_File Page #6) and its recommendation is approve/eligible with a DTI of 44.99%. |  |  |
| 75399762 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | The initial 1003 signed by the loan originator is missing from the loan files. |  |  |
| 75399762 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at 44.26%. Tape shows BWR was not employed at the time of closing. Further details not provided. BWR defect. The subject loan was originated on xx, and the 3-year SOL has expired. BWR has 4.75 years on the job as a physicist PhD with xx, FICO 774, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 79662552 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the 0% tolerance test. The initial LE dated xx reflects a transfer tax fee of $374.00. The final CD dated xx reflects a transfer tax fee of $377.00. This is an increase in fee of +$3.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx, and the 1-year SOL has expired. |  |  |
| 79662552 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 79662552 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 79662552 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the appraisal was more than 120 days old at closing and expired at closing. The appraisal update confirming no decrease in value is available in the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. Further details not provided. |  |  |
| 79662552 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Appraisal report is subject to the completion of construction, installation of appliances, and turning on of the utilities. The cost of repairs is not available. The 1004D report is missing from the loan documents. The final CD does not reflect the escrow holdback. |  |  |
| 79662552 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 55408546 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | The subject was approved as a second home. Tape shows occupancy misrepresentation. Further details not provided. |  |  |
| 55408546 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $337,827.80. The calculated finance charge is $337,635.30 for an under disclosed amount of -$192.50. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. The subject loan is a purchase, originated on xx, and the 1-year SOL has expired. |  |  |
| 55408546 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan fails compliance delivery and timing test for CD dated xx. The document tracker is missing, and 3 business days were added to get the receipt date of 3/3/2022, which is before the consummation date of 3/17/2022. |  |  |
| 61217676 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 61217676 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 61217676 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Schedule B of final title policy shows an exception for covenant and conditions regarding the repair or remediation on the land, lease, grant, mineral rights. Tape defect shows the CCR's do not meet agency guidelines. No further details are found. |  |  |
| 61217676 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Appraisal report is completed as "subject to the completion of construction" for the installation of oven/range, microwave ventilation unit, dishwasher, disposal, plumbing, HVAC, or electrical systems. The cost to complete is not available in the appraisal report. The 1004D/completion certificate is missing from the loan documents. The final CD does not reflect the escrow holdback. Zillow search reflects an estimated value of xx. The current UPB is xx. |  |  |
| 48344347 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to the initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx, and the 1-year SOL has expired. |  |  |
| 48344347 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA MI certificate is missing from the loan documents. |  |  |
| 48344347 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 54.95%, as the borrower's income is $7,089.50 and total expenses are in the amount of $3,896.09, and the loan was underwritten by DU (xx_Pg#17), and its recommendation is "Approve/Eligible" with a DTI of 54.95%. |  |  |
| 48344347 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows CC&Rs do not meet agency guidelines. Further details are not provided. |  |  |
| 48344347 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 48344347 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. |  |  |
| 48344347 | xx | Full Review | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | \* Settlement date is different from note date (Lvl 2) | The final CD reflects the closing date as xx. The notary's signature date on the mortgage/deed of trust is xx. Note date is xx. |  |  |
| 39537052 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | The initial 1003 signed by the loan originator is missing from the loan documents. |  |  |
| 39537052 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 47.52%, as the borrower's income is $50,000.00 and total expenses are in the amount of $23,760.24, and the loan was underwritten by DU (Locator# DU - xx_Pg#7), and its recommendation is "Approve/Eligible" with a DTI of 47.52%. |  |  |
| 39537052 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $141,532.15. The calculated finance charge is $140,840.15 for an under disclosed amount of -$692.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. |  |  |
| 39537052 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | The subject was approved as a second home. Tape shows occupancy misrepresentation. Further details not provided. |  |  |
| 69735547 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.80%. The tape shows debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has been on the job for 1 month as a manager of the Gold Alumni Program with the Academy of xx. BWR2 has 2 months on the job as a director of football equipment operations with the xx, FICO 723, 1X60 in the last 24 months, and xx equity in the subject. |  |  |
| 69735547 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 49.80%, the borrower income is $13,662.33, and total expenses are in the amount of $6,804.41, and the loan was underwritten by LP (xx pg#39), and its recommendation is "Accept" with a DTI of 49.80%. |  |  |
| 86914983 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 44.60%, the borrower income is $12,500.00, and total expenses are in the amount of $5,575.85, and the loan was underwritten by LP (Locator# LP - xx_Pg#20), and its recommendation is "Accept" with a DTI of 44.60%. |  |  |
| 86914983 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 44.60%. Tape shows debt miscalculation. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL will expire on 8/31/2025. BWR 2 has 1 month on the job as a director of marketing with xx, FICO 757, 0X30 in the last 24 months, and xx equity in the subject. |  |  |
| 86914983 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 86914983 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $569,112.70. The calculated finance charge is $569,661.70 for an under disclosed amount of -$549.00. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. |  |  |
| 49399572 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $958,553.21. Calculated finance charge is $958,724.21 for an under disclosed amount of $171.00. <br> Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 49399572 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 49399572 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 47.61%. The tape shows income miscalculation. Further details are not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL has expired. BWR1 has been SE for 5.41 years with xx. BWR2 has been SE for 5.33 years with xx, FICO 752, 1X90 and 2X60 in the last 24 months, and xx equity in the subject and $3,242 residual income. |  |  |
| 49399572 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.61% as the borrower's income is $7,380.92 and total expenses are in the amount of $3,514.36 and the loan was underwritten by AUS (Locator# xx Page #6) and its recommendation is approve/eligible with a DTI of 47.61%. |  |  |
| 76576397 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.42% DTI. The Lender miscalculated income. Lender defect. Revised DTI 50.12%. The BWR is employed with xx as a Clinical Nurse II for 4.4 years and xx as a Staff Nurse II for 4.10 years. The subject loan originated xx and the 3-year SOL is active, FICO 777, $8,855 residual income, $37K in reserves, 0 x 30 in the last 18 months and xx equity in the subject. |  |  |
| 2895956 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2895956 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $353,855.76. The calculated finance charge is $354,550.76 for an under disclosed amount of -$695.00. |  |  |
| 2895956 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows assets could not be verified. Bank statements in the file show $205K that satisfy the cash-to-close requirement of xx. Further details not provided. Subject originated xx. 0X30 since inception. |  |  |
| 62860511 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. The finance charge disclosed on the final CD as $454,863.28. The calculated finance charge is $455,512.28 for an under disclosed amount of -$649.00. The reason for the finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase case, originated on xx, and the SOL of 1 year has expired. |  |  |
| 62860511 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows asset misrepresentation. Final CD shows cash to close requirement is xx. Bank statement dated 2/7 shows $151K satisfied the requirement. Further details not provided. |  |  |
| 44314902 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx reflects Points - Loan Discount Fee at $3,229.00. The CD dated xx reflects Points - Loan Discount Fee at $6,277.16. This is an increase in fee of $3,048.16 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase, originated on xx, and the SOL is 1 year. |  |  |
| 44314902 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 44314902 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $449,747.14. The calculated finance charge is $450,236.66 for an under disclosed amount of -$489.52. |  |  |
| 44314902 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44314902 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 37.64%. Tape shows the lender is unable to verify previous employment as required by the AUS. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 10.83 years on the job as a national sales manager with xx, FICO 673, 0X30 in the last 24 months, and xx equity in the subject. Review shows ATR confirmed. |  |  |
| 59440315 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 59440315 | xx | Full Review | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | The transmittal summary is missing from the loan documents. The transmittal provided by the seller is not matching the closing term of the subject loan. |  |  |
| 59440315 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 15.66% DTI. The Lender used 12 months business bank statements to qualify with inconsistent deposits to support the qualifying income. In addition, the paystubs provided to support the W-2 have inconsistencies. Lender defect. Revised DTI cannot be determined. The BWR is SE at xx for 2.6 years. The subject loan originated xx and the 3-year SOL is active, FICO 701, $85K in reserves, 0X30 since inception and xx equity in the subject. |  |  |
| 67763322 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 67763322 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at 42.87%. Tape shows lender approved loan with underwriter error. Lender defect. Subject originated xx and the 3-year SOL is active. BWR1 has 2 years on the job as a chef. FICO 660. xx equity in subject. 0X30 since inception. Review shows ATR confirmed. |  |  |
| 51038293 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx reflects cash to in the amount of $XXX. |  |  |
| 51038293 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 51038293 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.83% DTI. The Lender included rental income without a history of receipt and excluded debts. Revised DTI 53.90%. The BWR is employed with xx as a Principal Secretary for 3.9 years, BWR 2 is employed with xx as a Truck Driver for 1.5 months. The subject loan originated xx and the 3-year SOL is active, FICO 721, $3,722 residual income, $13.6K in reserves, 0X30 since inception and xx equity in the subject. |  |  |
| 50770436 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial LE is missing from loan documents. The subject loan is a purchase case originated on xx, and the 1-year SOL has expired. |  |  |
| 50770436 | xx | Full Review | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial LE (Lvl 2) | Initial loan estimate is missing from the loan documents. |  |  |
| 50770436 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50770436 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | The subject was approved as a second home. Tape shows subject is NOO as they listed property for rent. Further details not provided. Subject originated xx. 0X30 last 24 months. |  |  |
| 59526778 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 36.87%. Tape shows income misrepresentation, as the income reflected in the W2 does not match with the tax returns. Further details are not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 11 months on the job as an insurance agent with The xx. FICO 693. 0X30 since inception. xx equity in the subject. |  |  |
| 75718748 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $303,484.88. The calculated finance charge is $301,557.55 for an under disclosed amount of -$1,927.33. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing. The subject loan is a purchase, originated on xx, and the SOL is 1 year. |  |  |
| 75718748 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 37.10%. The tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 9.41 years on the job as a director of database engineering with xx, FICO 802 and xx equity in the subject. |  |  |
| 29326299 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at 23.85%. Tape shows undisclosed mortgage debt opened prior to closing. The revised DTI is 66%. Further details not provided. BWR defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 5 years on the job as a senior software engineer with xx, FICO 767, $99K equity in the subject, 0X30 since inception and $6,125 residual income. |  |  |
| 14972893 | xx | Full Review | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | The initial 1003 signed by the loan originator is missing from the loan files. |  |  |
| 14972893 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 43.53% DTI. The Lender miscalculated SE income. Revised DTI in excess of 100%. The BWR is SE with xx for 3.9 years, xx for 6.5 years and xx for 3 years. The subject loan originated xx and the 3-year SOL is active, FICO 717, $63K in reserves and xx equity in the subject. |  |  |
| 61983988 | xx | Full Review | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Note was signed as members of the LLC only and not in their individual capacity. There is no personal obligor on the note, no guarantee and no LLC loan approval. |  |  |
| 61983988 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is NOO and approved at 48.94%. The tape shows the subject loan was underwritten according to agency guidelines and is not eligible for sale for agencies. Further details not provided. |  |  |
| 61983988 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at 48.94% using individual BWR DTI. Note was signed as members of the LLC only and not in their individual capacity. There is no personal obligor on the note and no guarantee. Lender defect. Subject originated xx and the 3 year SOL is active. 0X30 since inception. |  |  |
| 83444069 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test.<br> Initial LE dated xx reflects points - loan discount fee at $9,882.00. Final CD dated xx reflects points - loan discount fee at $12,729.60.<br> Initial LE dated xx does not reflect document preparation fee. Final CD dated xx reflects document preparation fee at $245.00. <br> Initial LE dated xx reflects appraisal fee at $650.00. Final CD dated xx reflects appraisal fee at $916.23. <br> Initial LE dated xx reflects notary fee at $150.00. Final CD dated xx reflects notary fee at $250.00.<br> Initial LE dated xx reflects title - financing statement lien guarantee at $53.00. Final CD dated xx reflects title - financing statement lien guarantee at $104.17.<br> Initial LE dated xx does not reflect title courier fee. Final CD dated xx reflects title courier fee at $52.08.<br> Initial LE dated xx reflects title escrow fee at $800.00. Final CD dated xx reflects title escrow fee at $1,113.53. This is a cumulative increase in fee of $3,875.61 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 83444069 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 49.68%. The tape shows there was altered income used for qualification. Borrower defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 1 year on the job as a senior subrogation resolution representative with xx, FICO 727, 0X30 since inception, and xx equity in the subject. |  |  |
| 83444069 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $15,871.40 exceed fees threshold of $9,669.50 over by +$6,201.90. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $245.00<br> Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00<br> Mortgage Broker Fee paid by Borrower: $XXX<br> Points - Loan Discount Fee paid by Borrower: $12,729.60<br> Tax Service Fee paid by Borrower: $85.00<br> Underwriting Fee paid by Borrower: $550.00. |  |  |
| 83444069 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $15,871.40 exceed fees threshold of $9,669.50 over by +$6,201.90. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $245.00<br> Flood Certification - Single Charge or Life of Loan paid by Borrower: $11.00<br> Mortgage Broker Fee paid by Borrower: $XXX<br> Points - Loan Discount Fee paid by Borrower: $12,729.60<br> Tax Service Fee paid by Borrower: $85.00<br> Underwriting Fee paid by Borrower: $550.00. |  |  |
| 83444069 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 83444069 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 12662781 | xx | Full Review | xx | xx | cd78c3d6-5980-4171-a589-a92d6a853351 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Rebuttable Presumption - defined by loan findings (Lvl 3) | Loan fails the FHA QM Rebuttable Presumption test due to fees charged $5,151.93 exceeds fees threshold of $4,512.41 over by +$639.52. The below fees were included in the test: Document Preparation Fee paid by Borrower: $97.00<br> Points - Loan Discount Fee paid by Borrower: $4,507.93 Processing Fee paid by Borrower: $382.00 Underwriting Fee paid by Borrower: $165.00. |  |  |
| 12662781 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 44.16%. Tape shows FHA does not allow use of non-occupying BWR2 income for qualification. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL will expire on 9/22/2025. BWR1 receives pension and social security income. BWR2 has 6.25 years on the job as a direct support professional with The xx, FICO 583, 0X30 last 24 months, and xx equity in the subject. |  |  |
| 12662781 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA MI certificate is missing from the loan documents. |  |  |
| 12662781 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed the FHA QM safe harbor threshold test due to the APR calculated at 6.329% and the comparison data of the APR threshold at 7.114%, which is under variance by -0.785%. The subject loan is escrowed. |  |  |
| 12662781 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $5,151.93 exceeds fees threshold of $4,512.41 over by +$639.52. The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $97.00 Points - Loan Discount Fee paid by Borrower: $4,507.93 Processing Fee paid by Borrower: $382.00 Underwriting Fee paid by Borrower: $165.00.<br>Loan failed qualified mortgage Lending Policy points and fees test due to fees charged $5,151.93 exceeds fees threshold of $4,512.41 over by +$639.52. The below fees were included in the test: Document Preparation Fee paid by Borrower: $97.00 Points - Loan Discount Fee paid by Borrower: $4,507.93 Processing Fee paid by Borrower: $382.00 Underwriting Fee paid by Borrower: $165.00. |  |  |
| 12662781 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 53216970 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 53216970 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 53216970 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 34.19%. The revised DTI is 47.04%. The tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 3.16 years at xx. FICO 669, 0X30 since inception, and xx equity in the subject. |  |  |
| 46731737 | xx | Full Review | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.66% as the borrower's income is $5,333.00 and total expenses are in the amount of $2,595.23 and the loan was underwritten by DU (Locator#1. xx Pg#428) and its recommendation is Approve/Eligible with a DTI of 48.66%. |  |  |
| 46731737 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the borrower did not meet temporary Covid-19 forbearance guidelines in 2020. The loan was modified with a deferred balance of $34,236.39, and the last 12 payments have been made on time with a due date of 09/01/2025 as of 07/18/2025. According to the payment history as of 08/13/2025, the borrower is current with the loan, and the next due date is 10/01/2025. The current UPB is xx, and the deferred balance is $34,236.39. |  |  |
| 6456873 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 6456873 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 35.41%. Tape shows a gap of employment for BWR2 between the final VOE date and the funding date. The VOE dated 1/18/2024 in the file shows BWR2 is active at her current employment. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 2.83 years on the job as a window installer with xx. BWR2 has 9.16 years on the job as a supervisor with xx, FICO 739, 2X30 since inception, and xx equity in the subject. |  |  |
| 92078312 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows borrower lacked reserve requirement for program. BWR has $2K reserves. Further details are not provided. |  |  |
| 92078312 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 92078312 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.69% DTI. The Lender excluded debts that were not paid off prior to or at closing. Revised DTI 51.25%. The BWR is employed with xx as a Break Relief Worker for 3 years. The subject loan originated xx and the 3-year SOL is active, FICO 767, $4,727 residual income, $2K reserves and $26.9K equity in the subject. |  |  |
| 35845861 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 19.05%. Tape shows the BWR income source changed from 1099 to salaried, and the new income used to qualify is not supported by bank statements. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 7 months on the job as a registered nurse with XXX, FICO 652, 0X30 since inception, and xx equity in the subject. Review shows ATR confirmed. |  |  |
| 63233668 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 49.40%. Tape shows the subject is NOO due to misrepresentation, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has 9 years on the job as a carpenter manager with xx, FICO 765, 0X30 since inception and xx equity in the subject. |  |  |
| 63233668 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 64847898 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $494,838.43. The calculated finance charge is $495,038.43 for an undisclosed amount of -$200.00. <br> The TRID total of payment disclosed on the final CD is $901,500.68. The calculated total of payments is $901,700.68 for an underdisclosed amount of -$200.00. The disclosed total of payments of $901,700.68 is not considered accurate due to it is understated by more than $100.<br>The subject loan was originated on xx, and the 1-year SOL is expired. |  |  |
| 64847898 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 49.84%. The tape shows undisclosed debts. Revised DTI is 60.66%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 18.3 years on the job as an analyst with xx, FICO 764, 0X30 since inception, xx equity in the subject, and $3,118 residual income. |  |  |
| 85943044 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at 41.13%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 7.33 years at xx., FICO 765, and xx equity in the subject. |  |  |
| 85943044 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO, due to misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 85943044 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 88003360 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 88003360 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject approved at 36.65%. Tape and review of file shows Lender included BWR2 income in DTI but BWR2 did not sign the note. Revised DTI is 62.96%. Lender defect. Subject originated xx and the 3 year SOL is active. BWR is on SSI. FICO 776. xx equity in subject. |  |  |
| 88003360 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the file show that BWR 2 did not execute the promissory note at closing and has expressed an unwillingness to engage with the lender. Further details not provided. |  |  |
| 88003360 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Kansas license validation test. |  |  |
| 69513647 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 69513647 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 47.23% DTI. Tape shows Borrower income and ability to repay the loan was not established. Lender defect. Revised DTI in excess of 100%. The BWR is self-employed as a xx for 8 years. The subject loan originated xx and the 3-year SOL is active, FICO 789, and xx equity in the subject. |  |  |
| 68783124 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA APR test due to the APR calculated at 0.000% exceeding the APR threshold of 8.252% by -8.252%. |  |  |
| 68783124 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing. |  |  |
| 68783124 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final truth in lending is missing from the loan document. |  |  |
| 68783124 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 68783124 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. Zillow search shows an estimated amount of xx; the current UPB is xx. |  |  |
| 68783124 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows PC is tied to a prior servicer and a prior servicer's modification, which is not currently recognized or honored by the new servicer or investor. The loan was modified on xx. Further details not provided. |  |  |
| 54766720 | xx | Full Review | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 54766720 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows obtained updated hazard policy. Further details not provided. |  |  |
| 54766720 | xx | Full Review | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The settlement services provider list is missing from the loan documents. |  |  |
| 54766720 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 54766720 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated of 10.985% exceeds the APR threshold of 10.600% over by +0.385%. The subject loan is non-escrowed. The subject is a second lien. Exception downgraded as SOL has expired.<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated of 10.944% exceeds APR threshold of 10.600% over by +0.344%. The subject is a second lien. |  |  |
| 45773391 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 10.257%, exceeding the APR threshold of 9.950% by +0.307%. The subject loan is a second lien. The first lien is escrowed. The loan failed the Qualified Mortgage Safe Harbor threshold test due to the APR calculated at 10.162%, exceeding the APR threshold of 9.950% by +0.212%. |  |  |
| 45773391 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase more than 10% in the tolerance test. LE dated xx reflects the sum of Section C fees and the recording fee at $416.90. The CD dated xx reflects the sum of Section C and the recording fee at $639.00. This is a cumulative increase of +$222.10 for charges that in total cannot increase more than 10% of the test. COC for the increase in fee is missing from the loan documents. |  |  |
| 45773391 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed NC Rate Spread Home Loan Test |  |  |
| 45773391 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value at xx. Current UPB: xx |  |  |
| 45773391 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45773391 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 45773391 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows defect as early payment default. According to payment history as of 08/01/2025, the borrower is current with the loan, and the next due date is 09/01/2025. The current UPB reflected as per the payment history is $39,609.71. Further details were not provided. |  |  |
| 45773391 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails Lender Fees Test due to fees charged: $800.00 Exceeds the fees threshold of $400.00 by over +$400.00. The below fee was included in the test: Loan Origination Fee paid by borrower: $800.00 |  |  |
| 58092476 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB is xx. |  |  |
| 58092476 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape data, it shows defects as early payment default. According to the payment history as of 08/18/2025, the borrower is current with the loan, and the next due date is 09/01/2025. The current UPB reflected as per the payment history is $42,515.27. |  |  |
| 92607958 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows early payment default. According to payment history as of 08/04/2025, the borrower is current with the loan, and the next due date is 09/01/2025. The current UPB reflected as per the payment history is $49,829.97. |  |  |
| 92607958 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the NC rate spread home loan test.<br>This loan failed Lender Fees Test due to fee charged $1,000.00 exceed fee threshold of $500.00 over by +$500.00.<br> The below fee was included in this test:<br> Loan Origination Fee paid by Borrower: $1,000.00. |  |  |
| 92607958 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 12.261% exceeding the APR threshold of 10.260% by +2.001%. The subject loan is a second lien. First lien is not escrowed. Subject loan originated on xx, and the 1-year affirmative defense period has expired.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 12.234% exceeds APR threshold of 10.260% over by +1.974%. |  |  |
| 61665450 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 61665450 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)); an APR calculated at 11.141% exceeds the APR threshold of 10.230% by +0.911%. The subject is second lien and the first loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to the APR calculated at 11.129% exceeds the APR threshold of 10.230% by +0.899%. |  |  |
| 61665450 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and the file show the subject mortgage does not meet investor guideline requirements, as the first had defaulted in the last 24 months. Further details not provided. |  |  |
| 61665450 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA Foreclosure Rescission Finance Charge Test due to the calculated finance charge of $78,291.57 exceeds the disclosed finance charge of $78,346.11 by an undisclosed amount of -$54.54.<br> The loan failed the TILA Post-Consummation Revised Closing Disclosure Foreclosure due to the calculated finance charge of $78,291.57 exceeds the disclosed finance charge of $78,381.11 by an undisclosed amount of -$89.54. |  |  |
| 43212686 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Tape shows APR adjustment. Further details not provided. The Infinity CE report shows the TILA APR test passed. |  |  |
| 43212686 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL is $73,256.83. Calculated finance charge is $74,129.91 for an under disclosed amount of -$873.08.<br>Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final TIL is $73,256.83. Calculated finance charge is $74,094.91 for an under disclosed amount of -$838.08. |  |  |
| 43212686 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test due to fees charged of $25.22 exceeds fees threshold of $25.00 over by +$0.22. |  |  |
| 43212686 | xx | Full Review | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Truth in Lending Disclosure is Missing (Lvl 2) | The initial truth in lending is missing from the loan documents. |  |  |
| 87151898 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.880% exceeds the APR threshold of 9.951% by +0.071%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated at 9.880%, exceeding the APR threshold of 9.915% by +0.035%. |  |  |
| 87151898 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents."Zillow search shows an estimated value at xx. Current UPB: xx |  |  |
| 87151898 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))<br> The finance charge is $81,078.46. The disclosed finance charge of $80,978.46 is not considered accurate for purposes of rescission<br> because it is understated by more than $35. |  |  |
| 87151898 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows early payment default. According to the payment history as of 07/31/2025, the borrower is current with the loan, and the next due date is 09/01/2025. The current UPB reflected as per the payment history is $63,922.14. |  |  |
| 37641924 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final TIL is $82,560.49. Calculated finance charge is $83,812.99 for an under disclosed amount of -$1,252.50. |  |  |
| 37641924 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 37641924 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape defect shows PIF reversal not completed within investor's reporting timelines. As per PH, the current UPB is xx. Further details not provided. |  |  |
| 72388679 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is subject to completion of repairs. The addendum shows the deferred maintenance includes replacing damaged siding, window casing, and the rear deck. The cost to cure is in the amount of xx. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 14213201 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape defect shows PIF reversal not completed within the investor's reporting timelines. Available PH from 6/3/2025 to 8/13/2025 does not show any PIF transaction. Per PH, the borrower is current with the loan, and the next due date is 9/1/2025. The current UPB reflected as per the payment history is $84,259.57. Further details not provided. |  |  |
| 14213201 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | The loan failed the TILA finance charge test. The finance charge disclosed on the final CD is $132,079.79. The calculated finance charge is $132,360.80 for an under disclosed amount of -$281.01. The reason for the finance charge under disclosure is unknown, as the fee itemization is missing.<br> The subject loan is a purchase that originated on xx, and the SOL is 1 year.<br>The TRID total of payment disclosed on the final CD is $218,110.79. The calculated total of payments is $218,391.80 for an under disclosed amount of -$281.01. The disclosed total of payments of $218,110.79 is not considered accurate because it is understated by more than $100. |  |  |
| 14213201 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32370440 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | Pre-QM | QC Complete | Ohio | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final HUD-1, dated xx, reflects cash to the borrower in the amount of $XXX. |  |  |
| 32370440 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32370440 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the LNIB is missing. Further details were not provided. |  |  |
| 48920455 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 48920455 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test.<br> Initial LE dated xx reflects Points - Loan Discount Fee at $626.00. Final CD dated xx reflects Points - Loan Discount Fee at $3,554.80.<br> Initial LE dated xx does not reflect Appraisal Fee. Final CD dated xx reflects Appraisal Fee at $625.00.<br> This is a cumulative increase in fee of $3,553.80 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx, and the 3-year SOL has expired. |  |  |
| 48920455 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and review of the appraisal report show the property had multiple cosmetic issues that need to be completed. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 48920455 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 89928376 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape and file show the subject loan was closed incorrectly without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of xx. The current UPB is xx. |  |  |
| 89928376 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93479326 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 93479326 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows Delinquency/FCL - recently modified. Further details are not provided. The loan was modified on xx. According to payment history as of 08/14/2025, the borrower is current with the loan, and the next due date is 08/01/2025. The current UPB is xx and the deferred balance is $58,579.76. |  |  |
| 93479326 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | MI certificate is missing from the loan documents. |  |  |
| 56592617 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsurable by GNMA. Further details not provided. |  |  |
| 56592617 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The USDA guarantee certificate is missing from the loan documents. |  |  |
| 36932357 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan just entered into forbearance and is no longer eligible for sale. Further details not provided. |  |  |
| 36932357 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | TRID total of payment disclosed on the final CD is $402,759.40. The calculated total of payments is $362,088.71 for an under disclosed amount of -$3,567.70. The disclosed total of payments of $358,521.01 is not considered accurate because it is understated by more than $100. TRID rescission total of payment disclosed on the final CD is $402,759.40. The calculated total of payments is $362,088.71 for an under disclosed amount of -$3,567.70. The disclosed total of payments of $358,521.01 is not considered accurate because it is understated by more than $100. The subject loan is a refinance case that originated on xx, and the 3-year SOL has expired. |  |  |
| 36932357 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as $119,339.51. The calculated finance charge is $123,316.71 for an under disclosed amount of -$3,977.20. The loan failed the TILA rescission finance charge test due to the finance charge disclosed on the final CD as $119,339.51. The calculated finance charge is $123,281.71 for an under disclosed amount of -$3,942.20. The subject loan is a refinance case that originated on xx, and the 3-year SOL has expired. |  |  |
| 38194326 | xx | Full Review | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Pre-QM | QC Complete | Hawaii | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | The final HUD-1 is not signed by the borrower. |  |  |
| 38194326 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Hawaii | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the defect as delinquent repurchase - recently modified. The loan was modified on xx. Further details were not provided. |  |  |
| 38194326 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. |  |  |
| 38194326 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Hawaii | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 38194326 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Hawaii | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 38194326 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 38194326 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Hawaii | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 38194326 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 33009478 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 43.21%. Tape shows undisclosed debt with a monthly payment of $1,272. Revised DTI is 56.82%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been an SE for 4.41 years at xx, FICO 730, xx equity in the subject, and $4,040 residual income. |  |  |
| 33009478 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 33009478 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan fails the Qualified Mortgage Lending Policy points and fees test due to Fees charged $12,152.00, exceed the fee threshold of $9,050.00 by $3,102.00. The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,495.00<br> Points - Loan Discount Fee paid by Borrower: $10,657.00 |  |  |
| 33009478 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date was provided, and the initial closing disclosure receipt date was less than three business days before the consummation date. |  |  |
| 33009478 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged ($12,152.00) exceed Fees threshold of $9,050.00 over by +$3,102.00. The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,495.00<br> Points - Loan Discount Fee paid by Borrower: $10,657.00 |  |  |
| 33009478 | xx | Full Review | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | The final transmittal summary is missing from the loan documents. |  |  |
| 60966442 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx does not reflect the processing fee. CD dated xx reflects a processing fee of $795.00. The loan estimate dated xx reflects an underwriting fee of $500.00. The CD dated xx reflects an underwriting fee of $995.00. This is a cumulative increase in fee of $1,290.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx, and the 1-year SOL has expired. |  |  |
| 60966442 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 34034068 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.920% exceeds the APR threshold of 10.153% by +$0.233%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated at 9.920%, exceeding the APR threshold of 10.137% by +0.217%. |  |  |
| 34034068 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. |  |  |
| 34034068 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape and Infinity compliance report shows the loan failed state regulations interest rate test. Further details not provided. |  |  |
| 34034068 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the interest rate test due to the APR calculated at 9.535%, exceeding the APR threshold of 10.137% by +0.602%. |  |  |
| 34034068 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The settlement service providers list is missing from the loan documents. |  |  |
| 34034068 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx does not reflect transfer taxes. CD dated xx reflects transfer taxes at $60.00. This is an increase in fee of +$60.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx, and the SOL is 3 years.<br>TRID Violation due to decrease in lender credit on closing disclosure dated xx. The initial LE dated xx reflects lender credit at $0.00; the final CD dated xx reflects the lender at $0.50. This is an increase of +$0.50 for a fee that has a 0% tolerance test.<br>This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days before the consummation date. |  |  |
| 34034068 | xx | Full Review | xx | xx | 1572c798-5472-43ad-ba76-74aaee0b84e4 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | NPL | Active | 3: Curable | \* Homeowner's Counseling disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 44409011 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $5,960.10 exceed fees threshold of $5,454.23 over by +$505.87. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,170.10<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $995.00. |  |  |
| 44409011 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $5,960.10 exceed fees threshold of $5,454.23 over by +$505.87. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,170.10<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $995.00. |  |  |
| 44409011 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 49.40%. Tape shows miscalculation of rental income. Revised DTI is 66.66%. Lender defect. Further details are not provided. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 1.91 years on the job as a project coordinator with xx, FICO 722, 0X30 since inception, xx equity in the subject, and a residual income of $1,791. |  |  |
| 44409011 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 84082664 | xx | Full Review | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | The home equity loan notice of address for borrower notification of violation is missing from the loan file. |  |  |
| 84082664 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject approved at 44.85%. Tape shows liability miscalculation. Further details not provided. Lender defect. The revised DTI is 56.03%. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 1.5 years on the job as a distribution associate with the xx, FICO 719, 0X30 since inception, xx equity in the subject, and a residual income of $3,711. |  |  |
| 80570835 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape shows 1004D for natural disaster is missing. The appraisal report in the file shows as-is, with no repairs or disaster found. |  |  |
| 70995562 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan used daily simple interest to calculate the interest, which is a breach of our MLPA. Further details not provided. |  |  |
| 49787843 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject is NOO and approved at 30.83%. The tape reflects an increased DTI of 33.29%. Further details not provided. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 18.16 years at xx. Additionally, BWR has been SE for 6.33 years at xx, FICO 672, 0X30 since inception, xx equity in the subject, and $47K residual income. |  |  |
| 49787843 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the original investor will not accept loans with more than one interim servicing payment accepted. Further details not provided. Subject loan approved using the individual BWR DTI. Note was signed as members of the LLC only and not in the individual names. Loans does have a personal guarantee. |  |  |
| 85625450 | xx | Full Review | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows the subject was closed with the 2nd DPA, and assets are short by $52 for closing. Bank statements in the file show $14K, satisfying the cash-to-close requirement of xx at closing. Further details not provided. |  |  |
| 5843941 | xx | Full Review | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | Signed page of the original note is missing from the loan documents. |  |  |
| 5843941 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject is NOO and approved at 37.49%. Tape shows BWR was not employed at the time of closing. Revised DTI is 42.98%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 1.58 years on the job as a media specialist at xx. BWR2 has 6.33 years on the job as a senior claims examiner at xx, FICO 756, 0X30 since inception, and xx equity in the subject. |  |  |
| 202247 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of xx. Current UPB is xx. |  |  |
| 202247 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 202247 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show proceeds from a bridge loan of $66K taken against REO property were used as funds for closing of the subject loan. |  |  |
| 8374409 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8374409 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to decrease in lender credit on closing disclosure dated xx. The initial CD dated xx reflects lender credit at $247.58; the final CD dated xx reflects the lender at $0.00. This is a decrease of $247.58 for a fee that has a 0% tolerance test. |  |  |
| 73177649 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 73177649 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 73177649 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows a prior mortgage was reported within the last 12 months, and there is no pricing. Further details not provided. |  |  |
| 73177649 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | The loan failed charges that cannot increase the 0% tolerance test. The initial LE dated xx reflects points - loan discount fee at $13,299.00. The final CD dated xx reflects points - loan discount fee at $17,044.00. This is an increase in fee of $3,745.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx, and the 3-year SOL has expired. |  |  |
| 73177649 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the late fees test, as the late fee charged of $288.36 exceeds the late fee threshold of $100.00 over by +$188.36. |  |  |
| 13070873 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 46.43%. Tape shows undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 22.05 years on the job as a quality technician with xx, FICO 813, 0X30 since inception, and xx equity in the subject. |  |  |
| 13070873 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 99360091 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 99360091 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject loan closed without an approval from MSHDA (MI State Housing Development Authority) for a second lien loan DPA loan of xx. Further details not provided. |  |  |
| 54245808 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 54245808 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the 0% tolerance test. Initial loan estimate dated xx reflects Mortgage Broker Fee at $XXX. Final CD dated xx reflects Mortgage Broker Fee at $XX. This is an increase fee in the amount of +$47.45 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx, and the 3-year SOL is expired. |  |  |
| 54245808 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at xx. Current UPB is xx. |  |  |
| 54245808 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) | Tape and review of the loan shows incorrect closing doc. Note reflects a loan amount of xx, and the final CD reflects a loan amount of xx. Further details not provided. |  |  |
| 45078933 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 33%. Tape shows the employment offer used for qualification was rescinded by the employer post-close. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR was qualified using an offer letter as a senior human capital manager consultant at xx. Additionally, BWR has been SE for 1.50 years at xx for 3.58 years at xx, FICO 749, 0X30 since inception, and xx equity in the subject. |  |  |
| 45078933 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45078933 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the state regulations for the prohibited fees test. The below fee was included in the test: Document Preparation Fee paid by Borrower: $295.00. |  |  |
| 76522937 | xx | Full Review | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | The final HUD-1 reflects the closing date as xx. The notary's signature date on the mortgage/deed of trust is xx. Note date is xx. |  |  |
| 76522937 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject note and mortgage are in the name of XXX, a California non-profit mutual benefit corporation, solely as trustee of the XXX xx (trust) and were executed by the CEO xx. Deed matches the mortgage and is in the name of XXX as trustee for the trust. The beneficiary of the trust, XXX signed the personal guarantee. Tapes shows loan is vested in the non profit on behalf of the trust and has ineligible vesting per the guidelines. Review shows docs are properly executed with proper vesting. |  |  |
| 22888458 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22888458 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed QM safe harbor threshold test due to APR calculated 8.305% exceeds APR threshold of 7.620% over by +0.685%. |  |  |
| 22888458 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.375% exceeds the APR threshold of 7.620% over by +0.755%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the CA AB 260 higher-priced mortgage loan test due to an APR calculated at 8.375% exceeds APR threshold of 7.620% over by +0.755%. |  |  |
| 22888458 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and review of Infinity CE report shows the loan failed the QM APR test. Further details not provided. |  |  |
| 51295485 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 51295485 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx does not reflect Points - Loan Discount Fee. The CD dated xx reflects Points - Loan Discount Fee at $1,460.80. This is an increase in fee of +$1,460.80 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx, and the 1-year SOL is expired. |  |  |
| 51295485 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 41.28%. The tape shows the lender did not document the 3-year continuance of IRA distribution income. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL has expired. BWR receives monthly IRA distribution income, FICO 756, and xx equity in the subject. |  |  |
| 51295485 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 51295485 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fees were included in the test:<br> Attorney Fee Seller paid by Seller: $1,450.00<br> Attorney Fees - Borrowers paid by Borrower: $1,000.00<br> CPL paid by Borrower: $75.00<br> Real Estate Commission paid by Seller: $16,600.00<br> Transaction Management paid by Borrower: $15.00<br> Verification Fee paid by Borrower: $129.00 |  |  |
| 12838571 | xx | Full Review | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | Subject approved as NOO under DSCR method. Tape shows potential occupancy issue. BWR may be living in the NOO property as their out of state residency was unable to be confirmed. Subject originated xx. 0X30 since inception. |  |  |
| 5952089 | xx | Full Review | xx | xx | 74be4ec5-5b69-41dd-8139-7a2f79aff20b | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 3: Curable | \* DSCR is less than 1.00 (Lvl 3) | Net operating income is $78,000.00, annual payments (debt service) are $79,766.52, and the debt service cover ratio (DSCR) is 0.98. |  |  |
| 5952089 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape defect shows the borrower passed away right after closing. Unsalable at the time. xx have been making the payments. It is an investment property. As per the death certificate, which is located at Ln#xx Page#46, the borrower xx deceased on xx. According to payment history as of 08/26/2025, the borrower is current with the loan, and the next due date is 10/01/2025. The current UPB is xx. |  |  |
| 86876802 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 86876802 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx reflects Recording fee at $2,640.00. CD dated xx reflects Recording fee at $4,580.00. This is a cumulative increase of $1,676.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is active. |  |  |
| 86876802 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the current flood insurance coverage is inadequate. The individual flood insurance policy provided does not offer sufficient protection, as the property is classified as semi-detached and is not covered under an HOA master policy. Further details not provided. |  |  |
| 13839218 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Vermont | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the file show DU is referred to as manufactured housing when run.. Further details not provided. |  |  |
| 13839218 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Vermont | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 13839218 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Vermont | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed xx Lender License Prohibited Fees Test The following fees were included in the test:<br> Processing Fee paid by Borrower: $500.00<br> Real Estate Commission paid by Borrower: $1,625.00<br> Settlement or Closing Fee paid by Borrower: $1,500.00<br> Tax Service Fee paid by Borrower: $75.00<br> Underwriting Fee paid by Borrower: $995.00. |  |  |
| 13839218 | xx | Full Review | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Vermont | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx PG#152," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at "Ln#xx PG#14, 16" state that the manufactured home with serial #xx has been affixed to the permanent foundation. |  |  |
| 62575185 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 62575185 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at 41.16%. Tape shows the lender did not include student loan payment in DTI calculations. Further details not provided. Lender defect. The revised DTI is 54.00%. The subject loan was originated on xx, and the 3-year SOL is active. BWR has 5.91 years on the job as a director of prevention and inclusion programs with the xx, FICO 725, $20K in reserves, xx equity in the subject, and $2,763 residual income. |  |  |
| 97015239 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulations for the prohibited fees test.<br> Below fees were included in the test:<br> IA Transaction Coordinator Fee paid by Borrower: $495.00<br> Title Guarantee Fee paid by Borrower: $175.00. |  |  |
| 97015239 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 47.52%. Tape shows undisclosed debt opened prior to closing, and the lender miscalculated PITI. The revised DTI is 55.28%. BWR defect. The subject originated on xx, and the 3-year SOL is active. BWR1 has 1.41 years on the job as a janitor at xx. BWR2 has 1 year on the job as a facilities manager at xx, FICO 758, 0X30 since inception, xx equity in subject and $2,132 residual income. |  |  |
| 97015239 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan file. |  |  |
| 30390231 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx does not reflect Appraisal Re-Inspection Fee. Final CD dated xx reflects Appraisal Re-Inspection Fee at $300.00. This is an increase in fee of +$300.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx, and the 1-year SOL is active. |  |  |
| 30390231 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 30390231 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 30390231 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 48.21% DTI. Tape shows unable to validate income from one of the borrowers. Lender defect. The co-borrower's paystub reflects an inaccurate SSI deduction. Revised DTI 87.23%. The BWR is employed as a manager of a xx for 4 months and previously owned a restaurant for 16 years. The coborrower is employed as a chef with xx for 3 months and was previously co-owner of a restaurant for 16 years. The subject loan originated xx and the 3-year SOL is active, FICO 756, residual income of $1260, and xx equity in the subject. |  |  |
| 71854129 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 40.49%. Tape shows undisclosed debt. Revised DTI is 56.19%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 1.75 years on the job as a surveillance operator at the xx, FICO 667, 0X30 since inception, and $1,357 residual income. |  |  |
| 71854129 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $5,213.10 exceed fees threshold of $3,914.00 by +$1,299.10. The below fees were included in the test: Lender fee paid by Borrower: $1,629.00<br> Points - Loan Discount Fee paid by Borrower: $3,584.10.<br>Loan fails the qualified mortgage lending policy points and fees test due to fees charged $5,213.10 exceed fees threshold of $3,914.00 by +$1,299.10. <br> Lender fee paid by Borrower: $1,629.00<br> Points - Loan Discount Fee paid by Borrower: $3,584.10. |  |  |
| 74531322 | xx | Full Review | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | The AUS/DU report is missing from the loan documents. |  |  |
| 74531322 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx reflects transfer taxes at $380.00. The CD dated xx reflects transfer taxes at $389.00. This is an increase in fee of +$9.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx, and the 1-year SOL has expired. |  |  |
| 74531322 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 74531322 | xx | Full Review | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.360% exceeds APR threshold of 8.382% over by +0.022%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 74531322 | xx | Full Review | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows "ineligible property. The subject property consisted of more than one parcel of real estate. The subject consists of a single physical structure, it which is situated across two distinct legal parcels, each identified by separate parcel identification numbers and tax assessor records". As per the updated title report dated xx, the legal description mentioned on the deed is consistent with the legal description mentioned on mortgage. Further details are not provided. |  |  |
| 35333119 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the 0% tolerance test. The loan estimate dated xx reflects Points - Loan Discount Fee at $11,816.00. The CD dated xx reflects Points - Loan Discount Fee at $12,175.25. This is an increase in fee of $359.25 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase that originated on xx, and the SOL is 1 year. |  |  |
| 35333119 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 35333119 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject is an HPML loan that does not meet appraisal report delivery requirements. The file shows the appraisal report was delivered 3 business days prior to closing. Review shows subject is escrowed and LVL2 HPML. Further details not provided. |  |  |
| 35333119 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.480%, exceeding the APR threshold of 8.390% by +0.090%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated at 8.402% Exceeds APR threshold of 8.390% by +0.012%. |  |  |
| 81072296 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | The TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx, and the 1-year SOL is active. |  |  |
| 81072296 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 81072296 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 81072296 | xx | Full Review | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure dated xx is missing from the loan documents. |  |  |
| 81072296 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject FHA loan was approved at 37.87%. Tape shows lender did not pay $6488.28 collection account to Credit collections bureau at closing. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR1 has 2.66 years on the job as a guidance counselor with xx. Additionally, the BWR1 has been SE for 8 months at xx. BWR2 has 2.83 years on the job as a funeral director with xx. Additionally, the BWR2 has been SE for 3.83 years at xx. FICO 616 and 0X30 since inception. |  |  |
| 81072296 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $7,896.82 exceeds fees threshold of $4,866.09 over by +$3,030.73. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $6,046.82<br> Processing Fee paid by Borrower: $880.00<br> Underwriting Fee paid by Borrower: $970.00.<br>Loan fails QM lending policy points and fees test due to fees charged $7,896.82 exceeds fees threshold of $4,866.09 over by +$3,030.73. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $6,046.82<br> Processing Fee paid by Borrower: $880.00<br> Underwriting Fee paid by Borrower: $970.00. |  |  |
| 81072296 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed FHA QM safe harbor threshold test due to APR calculated 8.009% and comparison data of APR threshold at 8.357% which is under variance by -0.348%. Subject loan is escrowed. |  |  |
| 81072296 | xx | Full Review | xx | xx | cd78c3d6-5980-4171-a589-a92d6a853351 | xx | xx | xx | QM-TRID | QC Complete | South Dakota | xx | Compliance | Compliance | Active | 3: Curable | \* Rebuttable Presumption - defined by loan findings (Lvl 3) | Loan fails FHA QM rebuttable presumption test due to fees charged $7,896.82 exceeds fees threshold of $4,866.09 over by +$3,030.73. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $6,046.82<br> Processing Fee paid by Borrower: $880.00<br> Underwriting Fee paid by Borrower: $970.00. |  |  |
| 2658486 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2658486 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 47.27%. Tape shows undisclosed auto loan debt. The revised DTI is 56.67%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been SE for 6.50 years at xx, FICO 687, 0X30 since inception, xx equity in the subject, and $2,498 residual income. |  |  |
| 2658486 | xx | Full Review | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx reflects Points - Loan Discount Fee at $1,977.00. Final CD dated xx reflects Points - Loan Discount Fee at $2,372.63. This is an increase in fee of +$395.63 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is a purchase case, originated on xx and the 1-year SOL has expired. |  |  |
| 2658486 | xx | Full Review | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 33190685 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 33190685 | xx | Full Review | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $8,612.50 exceed the fees threshold of $7,763.09 by +$849.41. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $7,087.50 Processing Fee paid by Borrower: $500.00 Technology Fee paid by Borrower: $30.00 Underwriting Fee paid by Borrower: $995.00. |  |  |
| 33190685 | xx | Full Review | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The loan fails the qualified mortgage lending policy points and fees test due to fees charged of $8,612.50 exceed the fees threshold of $7,763.09 by +$849.41. The below fees were included in the test: Points—Loan Discount Fee paid by Borrower: $7,087.50 Processing Fee paid by Borrower: $500.00 Technology Fee paid by Borrower: $30.00 Underwriting Fee paid by Borrower: $995.00.<br>The loan failed the qualified mortgage safe harbor threshold test due to the APR calculated at 7.569%, exceeding the APR threshold of 7.360% by +0.209%. The subject loan is escrowed. |  |  |
| 33190685 | xx | Full Review | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 42.83%. Tape shows an issue with the continuation of the BWR SSI income. Revised DTI is 55.27%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL has expired. BWR has 22 years on the job as an administrator with the xx. Additionally, BWR receives SSI, FICO 793, xx equity in the subject, and $4,485 residual income. |  |  |
| 38948910 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 38948910 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows excessive IPC (interested party contribution). Final CD reflects seller credit of xx. Further details not provided. |  |  |
| 32283883 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx reflects cash to the borrower in the amount of $XXX. |  |  |
| 32283883 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete, as the initial LE and CD are missing from loan documents. The subject loan is a purchase case originated on xx, and the 1-year SOL is active. |  |  |
| 32283883 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan officer is listed on the Freddie Mac exclusionary list. Further details not provided. Subject originated 773. 0X30 since inception. |  |  |
| 32283883 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 13859581 | xx | Full Review | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | ComplianceEase TRID tolerance test is incomplete due to initial LE and CD are missing from the loan documents. |  |  |
| 13859581 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 13859581 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan officer is listed on the Freddie Mac exclusionary list. Further details not provided. Subject originated 802. 0X30 since inception. |  |  |
| 33101773 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan officer is listed on the Freddie Mac exclusionary list. Further details not provided. Subject originated 759. 0X30 since inception. |  |  |
| 14411089 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 14411089 | xx | Full Review | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx reflects cash in the amount of $6,876.72. |  |  |
| 14411089 | xx | Full Review | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject mortgage originated by xxz on xx. The note and mortgage is signed by both the borrowers. The seller tape and review of the file show the co-borrower is a non-occupant and not a permanent resident. Further details not provided. |  |  |
| 14411089 | xx | Full Review | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 23453325 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 23453325 | xx | Full Review | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the subject loan failed for APR outside the QM guidelines test. Infinity CE shows the loan failed for the APR and HPML threshold test. |  |  |
| 23453325 | xx | Full Review | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.796% exceeds the APR threshold of 8.250% over by +1.546%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d). |  |  |
| 32014728 | xx | Full Review | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32014728 | xx | Full Review | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows critical repairs for the severe damages and safety issues with decks and balconies, including evidence of leakage and repair work still in progress. Appraisal report is as is, and the condo questionnaire does not show any damage or repair work. 1004D or an engineer's inspection report verifying the completion of repair and structural integrity of the condo questionnaire is missing from the loan file. |  |  |
| 42818815 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | 1 | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from loan file. |  |  |
| 42818815 | xx | Full Review | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | 1 | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the brokerage/finder fee test; The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and<br> Regulations, brokerage fee is synonymous with finder fee.<br> Brokerage/Finder Fee Test: FAIL $3,865.00 $2,300.00 +$1,565.00. |  |  |
| 42818815 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | 1 | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service providers is missing from loan file. |  |  |
| 42818815 | xx | Full Review | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | 1 | Non-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from loan file |  |  |
| 42818815 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | 1 | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is moderate as the loan is failing for TILA test and State regulations restricted fees. |  |  |
| 42818815 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | 1 | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test; The finance charge is $168,951.07. The disclosed finance charge of $165,069.75 is not considered accurate because it is<br> understated by more than $100.<br> TILA Finance Charge Test: FAIL $165,069.75 $168,951.07 -$3,881.32.<br> This loan failed the TILA APR test; The annual percentage rate (APR) is 8.170%. The disclosed APR of 8.001% is not considered accurate because it is more than<br> 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br> TILA APR Test: FAIL 8.001% 8.170% -0.169%. |  |  |
| 42818815 | xx | Full Review | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | 1 | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | Required state disclosure missing from loan file below they are:<br>Placement of Insurance Disclosure<br> Availability of Title Insurance<br> TN Consent to Disclosure of Insurance Information<br> Choice of Agent/insurer<br> Insurance Solicitation/Post Commitment |  |  |
| 64197038 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. |  |  |
| 64197038 | xx | Full Review | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. |  |  |
| 64197038 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report at origination is missing from the loan file. |  |  |
| 64197038 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider disclosure is missing from the loan file. |  |  |
| 64197038 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure is missing from the loan file. |  |  |
| 31965587 | xx | Full Review | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in Kentucky state. The state disclosures missing from the loan file are: Fair Housing Notice, Homeownership Protection Center Disclosures, Notice of Free Choice of Agent or Insurer. |  |  |
| 31965587 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final 1003 (Application) is missing from the loan file. |  |  |
| 31965587 | xx | Full Review | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is missing from the loan file. |  |  |
| 31965587 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosures is missing from the loan file. |  |  |
| 31965587 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA APR Test. Result-FAIL, Loan data: 0.000%, Comparison data: 9.528%, Variance: -9.528% |  |  |
| 31965587 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The list of service providers is missing from the loan file. |  |  |
| 31965587 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | The right of rescission is missing from the loan file. |  |  |
| 31965587 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report at the origination is missing from the loan file. |  |  |
| 31965587 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The compliance ease risk indicator is moderate for TILA APR test failed. |  |  |
| 31965587 | xx | Full Review | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | The final HUD-1 is not signed by the borrowers. |  |  |
| 31965587 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1 document is available from the loan file, however the addition disbursement details are missing. |  |  |
| 31965587 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The servicing transfer document is missing from the loan file. |  |  |
| 31965587 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final truth in lending is missing from the loan file. |  |  |
| 23485945 | xx | Full Review | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrower. |  |  |
| 23485945 | xx | Full Review | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to confirm from the available loan file. |  |  |
| 23485945 | xx | Full Review | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program disclosure is missing from loan file. |  |  |
| 23485945 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business disclosure is missing from loan file. |  |  |
| 10418409 | xx | Full Review | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | 1 | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test. |  |  |
| 10418409 | xx | Full Review | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | 1 | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. |  |  |
| 10418409 | xx | Full Review | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | 1 | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA APR Test: Loan Data:0.000% Comparison Data:7.045% Variance:-7.045%<br> This loan failed the TILA APR test. Final TIL is missing from the loan file hence the APR is updated as 0.00%. |  |  |
| 10418409 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | 1 | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | TIL is missing from the loan file. |  |  |
| 10418409 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | 1 | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. |  |  |
| 10418409 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | 1 | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | The List of Service Providers is missing from the loan file. |  |  |
| 10418409 | xx | Full Review | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | 1 | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer is missing from the loan file. |  |  |
| 10418409 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | 1 | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Application is missing from the loan file. |  |  |
| 99296260 | xx | Full Review | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | Operative index numerical value is unable to determine from the given lenders document. |  |  |
| 99296260 | xx | Full Review | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | List of service provider document is missing from the loan file. |  |  |
| 99296260 | xx | Full Review | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required State Disclosures (Lvl 2) | The subject property is located in state of Illinois. The following state disclosures are missing from the loan file. <br> IL Collateral Protection Insurance Notice<br> Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |  |  |
| 99296260 | xx | Full Review | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from loan file. |  |  |
| 77007757 | xx | Full Review | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing in the loan file. |  |  |
| 77007757 | xx | Full Review | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing in the loan file. |  |  |
| 77007757 | xx | Full Review | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 along with estimated HUD-1 and itemizations is missing in the loan file. |  |  |
| 77007757 | xx | Full Review | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing in the loan files. |  |  |
| 77007757 | xx | Full Review | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing in the loan file. |  |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

**Payment History Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Review Type** | **Loan #2** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Co-Borrower Last Name** | **Co-Borrower First Name** | **Address** | **City** | **State** | **Zip** | **Current UPB Per Pay Hist** | **Stated Current Rate** | **Current PI** | **Current PITI** | **Payment History As Of Date** | **Next Due Date per Payment History** | **Mos Curr Delinq per Pay History** | **Payment History Comments** | **11/2023** | **12/2023** | **1/2024** | **2/2024** | **3/2024** | **4/2024** | **5/2024** | **6/2024** | **7/2024** | **8/2024** | **9/2024** | **10/2024** | **11/2024** | **12/2024** | **1/2025** | **2/2025** | **3/2025** | **4/2025** | **5/2025** | **6/2025** | **7/2025** | **8/2025** | **9/2025** | **10/2025** | **Payment History String** | **Payment History String Reversed** | **Last Payment Received Date** | **Months** | **Amount** | **Cash Velocity** | **3 mos Cash Velocity** | **6 mos Cash Velocity** | **12 mos Cash Velocity** | **Avg Cash** | **Total Cash** |
| 50221095 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $406865.41 | 5.990% | $2494.45 | $3493.54 | 2024-05-08 | 2024-06-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,493.54, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,494.45 with an interest rate of 5.990%. The current UPB is xx. | $3289.72 | $3289.72 | $3493.54 | $3493.54 | $3493.54 | $3493.54 | $3493.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000000 | 0000000000000000000000 | 2024-05-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3289.72000<br> $3289.72000<br> $3493.54000<br> $3493.54000<br> $3493.54000<br> $3493.54000<br> $3493.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 28.700% | 0.000% | 0.000% | 0.000% | $1001.96 | $24047.14 |
| 27113785 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | $253655.68 | 7.375% | $1771.58 | $1967.28 | 2024-08-07 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of PITI $1,967.28 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,771.58 with an interest rate of 7.375%. The current UPB is xx. | $1967.28 | $3934.56 | $3934.56 | $3934.56 | $1967.28 | $1967.28 | $3934.56 | $1967.28 | $1967.28 | $1967.28 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2024-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1967.28000<br> $3934.56000<br> $3934.56000<br> $3934.56000<br> $1967.28000<br> $1967.28000<br> $3934.56000<br> $1967.28000<br> $1967.28000<br> $1967.28000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.300% | 0.000% | 0.000% | 0.000% | $1147.58 | $27541.92 |
| 31324657 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $238966.69 | 8.125% | $1779.02 | $2039.44 | 2024-08-09 | 2024-08-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,039.44 which was applied to the due date of xx/xx/2024. The current P&I is $1,779.02 and the interest rate is 8.125%. The current UPB reflected as per the payment history is xx‬. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4078.88 | $2039.44 | $0.00 | $2039.44 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1001 | 1001 | 2024-08-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4078.88000<br> $2039.44000<br> $0.00000<br> $2039.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 0.000% | $339.91 | $8157.76 |
| 59426649 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $633117.66 | 6.875% | $4162.63 | $4972.07 | 2024-09-05 | 2024-10-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,972.07, which was applied for the due date of xx/xx/2024. The current P&I is $4,162.63 with an interest rate of 6.875%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4972.07 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-09-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4972.07000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 0.000% | $207.17 | $4972.07 |
| 25803003 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $284227.40 | 8.000% | $2091.23 | $2732.02 | 2024-09-09 | 2024-10-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,732.02 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $2,091.23 and the interest rate is 8.000%.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10928.08 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0021 | 1200 | 2024-08-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $10928.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 0.000% | $455.34 | $10928.08 |
| 85774183 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $516304.61 | 6.625% | $3345.62 | $4194.54 | 2024-09-27 | 2024-10-01 | 0 | As per the payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,194.54 (PITI) which was applied to the due date of xx/xx/2024. The current P&I is $3,345.62 and the interest rate is 6.625%. The UPB is xx.  | $4194.54 | $4194.54 | $4194.54 | $4194.54 | $4194.54 | $4194.54 | $4194.54 | $4194.54 | $4194.54 | $4194.54 | $4194.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2024-09-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4194.54000<br> $4194.54000<br> $4194.54000<br> $4194.54000<br> $4194.54000<br> $4194.54000<br> $4194.54000<br> $4194.54000<br> $4194.54000<br> $4194.54000<br> $4194.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 0.000% | 0.000% | $1922.50 | $46139.94 |
| 42563086 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $313453.22 | 6.500% | $2019.46 | $2019.46 | 2024-09-16 | 2024-09-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,019.46 which applied for xx/xx/2024. The current P&I is $2,019.46 with an interest rate of 6.500%. The UPB as of the date mentioned in the updated payment history is xx. | $0.00 | $2019.46 | $2019.46 | $2019.46 | $2019.46 | $2019.46 | $2019.46 | $2019.46 | $2019.46 | $2019.46 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000004444 | 444400000000000000000000 | 2024-08-19 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $2019.46000<br> $2019.46000<br> $2019.46000<br> $2019.46000<br> $2019.46000<br> $2019.46000<br> $2019.46000<br> $2019.46000<br> $2019.46000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 0.000% | $757.30 | $18175.14 |
| 80392639 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $482715.83 | 2.500% | $2133.80 | $3082.80 | 2024-08-31 | 2024-09-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,082.80, which was applied for the due date of xx/xx/2024. The current P&I is $2,133.80 with an interest rate of 2.50%. The current UPB reflected as per the payment history is xx. | $3082.80 | $3082.80 | $3082.80 | $3082.80 | $3082.80 | $3082.80 | $3082.80 | $3082.80 | $3082.80 | $3082.80 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000234444444 | 444444432000000000000000 | 2024-08-21 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3082.80000<br> $3082.80000<br> $3082.80000<br> $3082.80000<br> $3082.80000<br> $3082.80000<br> $3082.80000<br> $3082.80000<br> $3082.80000<br> $3082.80000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 0.000% | 0.000% | $1284.50 | $30828.00 |
| 86419025 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $102348.12 | 7.125% | $706.07 | $1106.22 | 2024-09-11 | 2024-10-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,106.22 which was applied for the due date of xx/xx/2024. The current monthly P&I is $706.07 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $1106.22 | $2908.72 | $1106.22 | $1106.22 | $1106.22 | $1106.22 | $1106.22 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2024-09-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1106.22000<br> $2908.72000<br> $1106.22000<br> $1106.22000<br> $1106.22000<br> $1106.22000<br> $1106.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 36.000% | 0.000% | 0.000% | 0.000% | $397.75 | $9546.04 |
| 67025928 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $475968.08 | 6.625% | $3096.22 | $5596.95 | 2024-09-20 | 2024-10-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,596.95 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $3,096.22 and the interest rate is 6.625%. | $4414.79 | $4414.79 | $4414.79 | $4606.13 | $4606.13 | $4606.13 | $4606.13 | $4606.13 | $4606.13 | $6138.45 | $5596.95 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000001M | M1000000000000000 | 2024-09-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4414.79000<br> $4414.79000<br> $4414.79000<br> $4606.13000<br> $4606.13000<br> $4606.13000<br> $4606.13000<br> $4606.13000<br> $4606.13000<br> $6138.45000<br> $5596.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 39.200% | 0.000% | 0.000% | 0.000% | $2192.36 | $52616.55 |
| 89235971 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $257867.44 | 4.250% | $1124.49 | $1856.21 | 2024-10-03 | 2024-10-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,856.21 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $1,124.49 and the interest rate is 4.250%. | $0.00 | $2062.55 | $2062.55 | $0.00 | $1856.21 | $1856.21 | $1856.21 | $1856.21 | $1856.21 | $1856.21 | $1856.21 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000044444444321044321 | 123440123444444440000000 | 2024-09-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $2062.55000<br> $2062.55000<br> $0.00000<br> $1856.21000<br> $1856.21000<br> $1856.21000<br> $1856.21000<br> $1856.21000<br> $1856.21000<br> $1856.21000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 38.400% | 0.000% | 0.000% | 0.000% | $713.27 | $17118.57 |
| 45958159 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $443534.02 | 5.375% | $2530.01 | $3280.50 | 2024-08-31 | 2024-09-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The details of last payment received are not available. The current monthly P&I is $2,530.01 and PITI is $3,280.50 with an interest rate of 5.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3280.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10 | 01 |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3280.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 0.000% | $136.69 | $3280.50 |
| 97204794 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $59090.06 | 6.875% | $394.16 | $900.03 | 2024-10-04 | 2024-08-01 | 2 | According to the review of payment history as of xx/xx/2024, the borrower has been delinquent for 2 months, and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $900.03, which applied for xx/xx/2024. The current P&I is $394.16 with an interest rate of 6.875%. The UPB as of the date mentioned in the updated payment history is xx. | $0.00 | $788.04 | $807.75 | $862.75 | $0.00 | $0.00 | $0.00 | $1800.06 | $900.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 21001MM000032210000 | 000012230000MM10012 | 2024-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $788.04000<br> $807.75000<br> $862.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1800.06000<br> $900.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 23.900% | 0.000% | 0.000% | 0.000% | $214.94 | $5158.63 |
| 19166552 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $457912.33 | 6.875% | $3048.15 | $4301.50 | 2024-10-07 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,301.50 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $3,048.15 with an interest rate of 6.875%. The current UPB reflected as per payment history is xx.<br>As per the PH, there was a large transaction in xx, 2024 in the total amount of xx, which was applied for the due dates of xx/xx/2024 to xx/xx/2024. As per collection comments dated xx/xx/2024 and xx/xx/2024, these are borrower-made payments. | $4243.21 | $4243.21 | $0.00 | $4243.21 | $4243.21 | $4181.34 | $4181.34 | $0.00 | $12582.21 | $0.00 | $4212.03 | $4301.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000010000000000 | 000000000010000 | 2024-10-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4243.21000<br> $4243.21000<br> $0.00000<br> $4243.21000<br> $4243.21000<br> $4181.34000<br> $4181.34000<br> $0.00000<br> $12582.21000<br> $0.00000<br> $4212.03000<br> $4301.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.000% | 0.000% | 0.000% | 0.000% | $1934.64 | $46431.26 |
| 33991650 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $101850.00 | 6.125% | $618.85 | $735.21 | 2024-10-09 | 2024-11-01 | 0 | The loan was originated on xx/xx/2024, and the first payment is due on xx/xx/2024. According to payment history as of xx/xx/2024, the next due date is xx/xx/2024. The current P&I is $618.85 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 34835937 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $238588.73 | 8.000% | $1762.87 | $1762.87 | 2024-10-14 | 2024-10-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,762.87 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $1,762.87 and the interest rate is 8.000%. <br> PH shows a large payment of $5,288.61 in Feb-24. CC dated xx/xx/2024 shows the same amount paid by BWR.<br>| $0.00 | $0.00 | $0.00 | $5288.61 | $1762.87 | $1762.87 | $1762.87 | $1762.87 | $1762.87 | $1762.87 | $1762.87 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000021 | 1200000000 | 2024-09-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $5288.61000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $1762.87000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 0.000% | 0.000% | $734.53 | $17628.70 |
| 97466157 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Minnesota | xx | $77699.54 | 7.375% | $538.73 | $657.83 | 2024-10-14 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $657.83 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $538.73 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2631.32 | $657.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00321 | 12300 | 2024-10-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2631.32000<br> $657.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 0.000% | $137.05 | $3289.15 |
| 77607804 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $95381.18 | 6.990% | $644.69 | $1245.11 | 2024-11-08 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,245.11 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $644.69 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | $2015.74 | $0.00 | $2015.74 | $1007.87 | $0.00 | $1007.87 | $2015.74 | $0.00 | $2015.74 | $173.59 | $1245.11 | $1245.11 | $1245.11 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2024-11-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2015.74000<br> $0.00000<br> $2015.74000<br> $1007.87000<br> $0.00000<br> $1007.87000<br> $2015.74000<br> $0.00000<br> $2015.74000<br> $173.59000<br> $1245.11000<br> $1245.11000<br> $1245.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 46.800% | 0.000% | 0.000% | 8.300% | $582.82 | $13987.62 |
| 68432185 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Wisconsin | xx | $204629.89 | 6.000% | $1235.97 | $1579.73 | 2024-11-08 | 2024-12-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024, in the amount of $1,579.73, which was applied for the due date of xx/xx/2024. The current P&I is $1,235.97 and PITI is $1,579.73. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1579.73 | $1600.00 | $1600.00 | $2000.00 | $1600.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2024-11-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1579.73000<br> $1600.00000<br> $1600.00000<br> $2000.00000<br> $1600.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 22.100% | 0.000% | 0.000% | 8.400% | $349.16 | $8379.73 |
| 43340293 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $140681.57 | 6.375% | $900.87 | $1230.94 | 2024-10-28 | 2024-11-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,230.94, which was applied for the due date of xx/xx/2024. The current P&I is $900.87 with an interest rate of 6.375%. The current UPB reflected as per payment history is xx. | $1001.56 | $1001.56 | $1001.56 | $1001.56 | $1230.94 | $1230.94 | $1230.94 | $1230.94 | $1230.94 | $1230.94 | $1230.94 | $1230.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1001.56000<br> $1001.56000<br> $1001.56000<br> $1001.56000<br> $1230.94000<br> $1230.94000<br> $1230.94000<br> $1230.94000<br> $1230.94000<br> $1230.94000<br> $1230.94000<br> $1230.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 46.900% | 0.000% | 0.000% | 0.000% | $577.24 | $13853.76 |
| 91199706 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $97141.89 | 6.125% | $603.93 | $952.92 | 2024-10-28 | 2024-10-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $952.92 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $603.93 with an interest rate of 6.125%. The current UPB reflected as per payment history is xx. | $0.00 | $2113.48 | $0.00 | $1921.62 | $0.00 | $1905.84 | $0.00 | $0.00 | $2858.76 | $952.92 | $962.92 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000210101010102432211000 | 000112234201010101012000 | 2024-09-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $2113.48000<br> $0.00000<br> $1921.62000<br> $0.00000<br> $1905.84000<br> $0.00000<br> $0.00000<br> $2858.76000<br> $952.92000<br> $962.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 46.900% | 0.000% | 0.000% | 0.000% | $446.48 | $10715.54 |
| 27371279 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $598257.27 | 6.375% | $3450.96 | $5102.40 | 2024-10-28 | 2024-10-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,102.40 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $3,450.96, and the interest rate is 6.375%. The current UPB is xx. | $4979.67 | $4979.67 | $0.00 | $0.00 | $0.00 | $5113.05 | $5113.05 | $0.00 | $5114.00 | $0.00 | $0.00 | $5102.40 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 144444444444321011100111 | 111001110123444444444441 | 2024-10-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4979.67000<br> $4979.67000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5113.05000<br> $5113.05000<br> $0.00000<br> $5114.00000<br> $0.00000<br> $0.00000<br> $5102.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 24.800% | 0.000% | 0.000% | 0.000% | $1266.74 | $30401.84 |
| 2407639 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $262468.51 | 5.875% | $1601.59 | $2161.83 | 2024-10-28 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,161.83, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,601.59 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | $2072.85 | $2072.85 | $2072.85 | $2072.85 | $2161.83 | $2161.83 | $2161.83 | $2161.83 | $2161.83 | $2161.83 | $2161.83 | $2161.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000011000 | 000110000000000000000000 | 2024-10-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2072.85000<br> $2072.85000<br> $2072.85000<br> $2072.85000<br> $2161.83000<br> $2161.83000<br> $2161.83000<br> $2161.83000<br> $2161.83000<br> $2161.83000<br> $2161.83000<br> $2161.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 49.300% | 0.000% | 0.000% | 0.000% | $1066.09 | $25586.04 |
| 65202694 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $151864.62 | 3.875% | $752.00 | $1221.27 | 2024-10-28 | 2024-11-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,221.27 which applied for xx/xx/2024. The current P&I is $752.00 with an interest rate of 3.875%. The UPB is xx. | $2333.74 | $0.00 | $1221.27 | $1221.27 | $1221.27 | $1221.27 | $1221.27 | $1221.27 | $1221.27 | $1221.27 | $1221.27 | $1221.27 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2333.74000<br> $0.00000<br> $1221.27000<br> $1221.27000<br> $1221.27000<br> $1221.27000<br> $1221.27000<br> $1221.27000<br> $1221.27000<br> $1221.27000<br> $1221.27000<br> $1221.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 49.600% | 0.000% | 0.000% | 0.000% | $606.10 | $14546.44 |
| 12255483 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $261000.00 | 6.875% | $1714.58 |  | 2024-10-10 | 2024-11-01 | 0 | The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2024. According to the latest payment history tape data as of xx/xx/2024, the next due date is xx/xx/2024. The unpaid principal balance is xx. The current P&I is $1,714.58 and the interest rate is 6.875%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 33849650 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $1267584.85 | 7.875% | $9244.63 | $11567.47 | 2024-10-31 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of xx, which was applied for the due date of xx/xx/2024. The current monthly P&I is $9,244.63 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $23167.47 | $0.00 | $23200.00 | $0.00 | $23200.00 | $11600.00 | $0.00 | $11600.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2024-10-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $23167.47000<br> $0.00000<br> $23200.00000<br> $0.00000<br> $23200.00000<br> $11600.00000<br> $0.00000<br> $11600.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.400% | 0.000% | 0.000% | 0.000% | $3865.31 | $92767.47 |
| 22581063 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $220151.13 | 6.000% | $960.53 | $1377.11 | 2024-10-16 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,377.11 which was applied for the due date of xx/xx/2024. The current P&I is $960.53 and the interest rate is 6.000%. PH shows current UPB including the deferred balance with the amount of xx. <br> PH shows multiple transactions were made in xx 2024 in the total amount of $6,924.22. As per the collection comment dated xx/xx/2024 and xx/xx/2024, these are BWR payments. | $0.00 | $0.00 | $6924.22 | $1411.60 | $2821.20 | $1377.11 | $1377.11 | $1377.11 | $1377.11 | $1377.11 | $1397.11 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000444444444443210 | 012344444444444000000000 | 2024-09-23 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $6924.22000<br> $1411.60000<br> $2821.20000<br> $1377.11000<br> $1377.11000<br> $1377.11000<br> $1377.11000<br> $1377.11000<br> $1397.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.800% | 0.000% | 0.000% | 0.000% | $809.99 | $19439.68 |
| 46215225 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $527103.40 | 6.250% | $3428.87 | $4372.64 | 2024-10-16 | 2024-10-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $3,428.87 and PITI is $4,372.64. The UPB reflected as per the payment history is xx. | $8184.50 | $4092.25 | $4092.25 | $4092.25 | $4092.25 | $4092.25 | $4408.57 | $4408.57 | $4408.57 | $4372.64 | $4372.64 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000100000 | 00000100000000000 | 2024-09-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $8184.50000<br> $4092.25000<br> $4092.25000<br> $4092.25000<br> $4092.25000<br> $4092.25000<br> $4408.57000<br> $4408.57000<br> $4408.57000<br> $4372.64000<br> $4372.64000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.200% | 0.000% | 0.000% | 0.000% | $2109.03 | $50616.74 |
| 96207443 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $478731.66 | 6.750% | $2892.03 | $3898.00 | 2024-10-30 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3898.00 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,892.03 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $3873.06 | $3873.06 | $0.00 | $0.00 | $0.00 | $0.00 | $3873.06 | $3873.06 | $0.00 | $3898.00 | $3898.00 | $3898.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00044444444443210000 | 00001234444444444000 | 2024-10-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3873.06000<br> $3873.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3873.06000<br> $3873.06000<br> $0.00000<br> $3898.00000<br> $3898.00000<br> $3898.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.100% | 0.000% | 0.000% | 0.000% | $1132.76 | $27186.24 |
| 99443005 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $368201.98 | 8.000% | $2718.60 | $4480.02 | 2024-11-03 | 2024-11-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,480.02 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $2,718.60 and the interest rate is 8.000%. <br>| $0.00 | $0.00 | $0.00 | $4480.02 | $4480.02 | $4480.02 | $4480.02 | $4480.02 | $4480.02 | $4480.02 | $4480.02 | $4480.02 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2024-10-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $4480.02000<br> $4480.02000<br> $4480.02000<br> $4480.02000<br> $4480.02000<br> $4480.02000<br> $4480.02000<br> $4480.02000<br> $4480.02000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 0.000% | $1680.01 | $40320.18 |
| 52390121 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $156750.00 | 6.500% | $990.77 |  | 2024-10-14 | 2024-11-01 | 0 | The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2024. According to the latest payment history as of xx/xx/2024, the next due date is xx/xx/2024. The unpaid principal balance is xx. The current P&I is $990.77 and the interest rate is 6.500%. <br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 70291779 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $248135.76 | 5.875% | $1480.15 | $2291.99 | 2024-12-10 | 2024-11-01 | 1 | According to payment history as of xx/xx/2024, has been delinquent for 1 month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,291.99 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,480.15 with and interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $2298.33 | $2298.33 | $2298.33 | $2298.33 | $2298.33 | $2298.33 | $2298.33 | $2291.99 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2024-10-23 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2298.33000<br> $2298.33000<br> $2298.33000<br> $2298.33000<br> $2298.33000<br> $2298.33000<br> $2298.33000<br> $2291.99000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.400% | 0.000% | 0.000% | 0.000% | $765.85 | $18380.30 |
| 84944536 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $279996.65 | 6.500% | $1771.37 | $2066.26 | 2024-11-05 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,066.26 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,771.37 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2066.26 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-10-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2066.26000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 0.000% | $86.09 | $2066.26 |
| 58429763 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | $138001.44 | 7.625% | $981.09 | $1280.77 | 2024-11-05 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,280.77 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $981.09 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1280.77 | $1280.77 | $1280.77 | $1280.77 | $1280.77 | $1280.77 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2024-10-22 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1280.77000<br> $1280.77000<br> $1280.77000<br> $1280.77000<br> $1280.77000<br> $1280.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 0.000% | 0.000% | $320.19 | $7684.62 |
| 15768167 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $80750.00 | 6.125% | $499.23 |  | 2024-10-31 | 2024-12-01 | 0 | The loan was originated on xx/xx/2024 and the first payment is due on xx/xx/2024. According to payment history tape data as of xx/xx/2024, the next due date is xx/xx/2024. The current P&I is $499.23 with an interest rate of 6.125%. The current UPB reflected as per the payment history tape data is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 97555270 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Hawaii | xx | $422473.75 | 7.500% | $3018.16 | $3294.83 | 2024-09-30 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,294.83 which was applied for the due date of xx/xx/2025. The current monthly P&I is $3,018.16 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6589.66 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000444443210000 | 0000123444440000 | 2024-09-23 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6589.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 0.000% | $274.57 | $6589.66 |
| 24819760 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $429064.09 | 7.125% | $2912.15 | $3443.03 | 2024-11-01 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,443.03 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,912.15 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $3447.17 | $3443.03 | $3443.03 | $3443.03 | $3443.03 | $3443.03 | $3443.03 | $3443.03 | $3443.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2024-11-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3447.17000<br> $3443.03000<br> $3443.03000<br> $3443.03000<br> $3443.03000<br> $3443.03000<br> $3443.03000<br> $3443.03000<br> $3443.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 8.300% | $1291.31 | $30991.41 |
| 8998069 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $177531.32 | 6.150% | $1175.86 | $1390.39 | 2024-11-01 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,390.39 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,175.86 with an interest rate of 6.150%. The current UPB is xx, and the deferred balance is $8,530.28. | $0.00 | $1390.39 | $0.00 | $1390.39 | $1390.39 | $1390.39 | $1390.39 | $0.00 | $0.00 | $0.00 | $5561.56 | $1437.42 | $1390.39 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000321000044444321000000 | 000000123444440000123000 | 2024-11-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1390.39000<br> $0.00000<br> $1390.39000<br> $1390.39000<br> $1390.39000<br> $1390.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5561.56000<br> $1437.42000<br> $1390.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 46.000% | 0.000% | 0.000% | 8.300% | $639.22 | $15341.32 |
| 61736947 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Connecticut | xx | $358589.93 | 6.624% | $2311.28 | $3183.58 | 2024-11-01 | 2024-12-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,183.58, which applied for xx/xx/2024. The current P&I is $2,311.28 with an interest rate of 6.624%. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3183.58 | $0.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $3300.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2024-11-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3183.58000<br> $0.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $3300.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.800% | 0.000% | 0.000% | 8.600% | $820.15 | $19683.58 |
| 36652369 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $257950.87 | 3.374% | $986.76 | $1580.69 | 2024-10-04 | 2024-10-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,580.69, which applied for xx/xx/2024. The current P&I is $986.76 with an interest rate of 3.374%. The UPB is xx. | $1573.43 | $1573.43 | $1636.62 | $0.00 | $3162.69 | $0.00 | $1580.69 | $0.00 | $3161.38 | $1580.69 | $0.00 | $1580.69 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 110010004444444MMMM43M21 | 12M34MMMM444444400010011 | 2024-10-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1573.43000<br> $1573.43000<br> $1636.62000<br> $0.00000<br> $3162.69000<br> $0.00000<br> $1580.69000<br> $0.00000<br> $3161.38000<br> $1580.69000<br> $0.00000<br> $1580.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.800% | 0.000% | 0.000% | 0.000% | $660.40 | $15849.62 |
| 6537761 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $313569.26 | 6.500% | $1991.01 |  | 2024-10-14 | 2024-11-01 | 0 | As per the payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. Unable to determine the last transaction details. The current P&I is $1,991.01 with an interest rate of 6.500%. The current UPB reflected as per payment history tape is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMM | MMMMM |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 92517580 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Iowa | xx | $52307.82 | 12.750% | $657.74 | $821.41 | 2024-11-06 | 2024-10-01 | 1 | According to the payment history as of xx/xx/2024, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $821.41, which was applied for the due date of xx/xx/2024. The UPB as the payment history is xx, which includes the deferred balance in the amount of $7,634.70.<br> As per the unexecuted copy of the deferral agreement located at xx" dated xx/xx/2024, there is a principal balance in the amount ofxx and a deferred balance of $7,634.70. | $792.75 | $1612.66 | $819.91 | $819.91 | $0.00 | $819.91 | $846.70 | $1639.82 | $846.70 | $821.41 | $821.41 | $821.41 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 111112221112221112222222 | 222222211122211122211111 | 2024-10-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $792.75000<br> $1612.66000<br> $819.91000<br> $819.91000<br> $0.00000<br> $819.91000<br> $846.70000<br> $1639.82000<br> $846.70000<br> $821.41000<br> $821.41000<br> $821.41000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.100% | 0.000% | 0.000% | 0.000% | $444.27 | $10662.59 |
| 81662071 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $476968.64 | 5.625% | $2850.65 | $4454.12 | 2024-09-30 | 2024-07-01 | 2 | According to the payment history as of xx/xx/2024, the borrower is 3 months delinquent with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,454.12 which was applied for the due date of xx/xx/2024. The current P&I is $2,850.65 and the interest rate is 5.625%. The current UPB is xx. <br>| $4405.19 | $4405.19 | $4405.19 | $4405.19 | $4405.19 | $4405.19 | $4405.19 | $0.00 | $0.00 | $4454.12 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 322100000000004444443210 | 012344444400000000001223 | 2024-08-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4405.19000<br> $4405.19000<br> $4405.19000<br> $4405.19000<br> $4405.19000<br> $4405.19000<br> $4405.19000<br> $0.00000<br> $0.00000<br> $4454.12000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.000% | 0.000% | 0.000% | 0.000% | $1470.44 | $35290.45 |
| 31129508 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Louisiana | xx | $144662.50 | 9.500% | $1225.97 | $1895.70 | 2024-09-30 | 2024-10-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,895.70 which was applied for the due date of xx/xx/2024. The current P&I is $1,225.97 and the interest rate is 9.500%. The current UPB is xx. | $1870.38 | $1870.38 | $1870.38 | $1870.38 | $3740.76 | $0.00 | $3740.76 | $0.00 | $1870.38 | $3791.40 | $1895.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 001101011111MMM | MMM111110101100 | 2024-09-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1870.38000<br> $1870.38000<br> $1870.38000<br> $1870.38000<br> $3740.76000<br> $0.00000<br> $3740.76000<br> $0.00000<br> $1870.38000<br> $3791.40000<br> $1895.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 49.500% | 0.000% | 0.000% | 0.000% | $938.36 | $22520.52 |
| 17938942 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $1270554.94 | 3.375% | $6852.49 | $9447.17 | 2024-09-30 | 2024-07-01 | 2 | As per the payment history as of xx/xx/2024, the borrower is delinquent with the loan for 3 months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $9,447.17. The current P&I is $6,852.49, and the interest rate is 3.375%. Current UPB is in the amount of xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $110215.56 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 321044444443210001234444 | 444432100012344444440123 | 2024-06-26 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $110215.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.600% | 0.000% | 0.000% | 0.000% | $4592.32 | $110215.56 |
| 11804953 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $210765.47 | 5.500% | $1271.85 | $2154.98 | 2024-09-30 | 2024-07-01 | 2 | According to the payment history as of xx/xx/2024, the borrower is currently 3 months delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,154.98, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,271.85 with an interest rate of 5.50%. The current UPB reflected as per the payment history is xx.<br> As per the deferment agreement located atxx, the deferred amount is $5,087.40. | $1832.56 | $1832.56 | $1832.56 | $1832.56 | $1832.56 | $0.00 | $1832.56 | $1832.56 | $2154.98 | $0.00 | $2154.98 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 332222111111043322224432 | 234422223340111111222233 | 2024-09-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1832.56000<br> $1832.56000<br> $1832.56000<br> $1832.56000<br> $1832.56000<br> $0.00000<br> $1832.56000<br> $1832.56000<br> $2154.98000<br> $0.00000<br> $2154.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.100% | 0.000% | 0.000% | 0.000% | $714.08 | $17137.88 |
| 3787740 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $32170.08 | 8.950% | $531.10 | $743.68 | 2024-11-07 | 2024-08-01 | 3 | According to payment history as of xx/xx/2024, the borrower has been delinquent for 3 months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $743.68 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $531.10 with an interest rate of 8.950%. The current UPB reflected as per the payment history is xx <br> .As per the seller's tape data, the deferred balance is $9,606.47. | $852.30 | $852.30 | $852.30 | $794.70 | $0.00 | $794.70 | $0.00 | $794.70 | $743.68 | $743.68 | $743.68 | $743.68 | $743.68 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444444433222222211111022 | 220111112222222334444444 | 2024-11-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $852.30000<br> $852.30000<br> $852.30000<br> $794.70000<br> $0.00000<br> $794.70000<br> $0.00000<br> $794.70000<br> $743.68000<br> $743.68000<br> $743.68000<br> $743.68000<br> $743.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.500% | 0.000% | 0.000% | 8.300% | $360.81 | $8659.40 |
| 37630697 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $45548.00 |  | $461.40 | $461.40 | 2024-10-28 | 2024-10-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $461.40 which was applied for the due date of xx/xx/2024. The current P&I is $461.40 and the interest rate is unable to be determined. The current UPB is xx. As per tape data, the deferred balance is $6,917.76. <br> The deferral agreement was made on xx/xx/2024 located at xx with the deferred balance of $6,917.76.  | $461.40 | $461.40 | $461.40 | $461.40 | $461.40 | $461.40 | $0.00 | $922.80 | $461.40 | $461.40 | $461.40 | $461.40 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 111112111111111111111111 | 111111111111111111211111 | 2024-10-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $461.40000<br> $461.40000<br> $461.40000<br> $461.40000<br> $461.40000<br> $461.40000<br> $0.00000<br> $922.80000<br> $461.40000<br> $461.40000<br> $461.40000<br> $461.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 0.000% | 0.000% | $230.70 | $5536.80 |
| 71330845 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $24879.71 | 10.240% | $759.09 | $3002.54 | 2024-10-31 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,002.54, which was applied for the due date of xx/xx/2024. The current monthly P&I is $759.09, and the rate of interest is 10.24%. The current UPB reflected as per the payment history is xx and deferred balance is xx. | $813.59 | $0.00 | $1270.75 | $2345.39 | $1749.46 | $1749.46 | $4749.46 | $1749.46 | $1749.46 | $1749.46 | $0.00 | $6005.08 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 010000222332222111111222 | 222111111222233222000010 | 2024-10-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $813.59000<br> $0.00000<br> $1270.75000<br> $2345.39000<br> $1749.46000<br> $1749.46000<br> $4749.46000<br> $1749.46000<br> $1749.46000<br> $1749.46000<br> $0.00000<br> $6005.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.200% | 0.000% | 0.000% | 0.000% | $997.15 | $23931.57 |
| 39951703 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $41385.67 | 2.379% | $646.50 | $2259.01 | 2024-10-24 | 2024-10-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,259.01, which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx, and the deferred balance is $9,474.46. The current P&I is $646.50, and the interest rate is 2.379%. The deferral is agreement located at xx | $0.00 | $3103.04 | $2156.07 | $0.00 | $2156.07 | $0.00 | $0.00 | $2156.07 | $0.00 | $4312.14 | $0.00 | $4415.08 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 121214322112112111111100 | 001111111211211223412121 | 2024-10-24 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $3103.04000<br> $2156.07000<br> $0.00000<br> $2156.07000<br> $0.00000<br> $0.00000<br> $2156.07000<br> $0.00000<br> $4312.14000<br> $0.00000<br> $4415.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.800% | 0.000% | 0.000% | 0.000% | $762.44 | $18298.47 |
| 10474012 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $32897.41 | 6.480% | $981.47 | $1850.00 | 2024-10-28 | 2024-11-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,850.00, which applied for xx/xx/2024. The current P&I is $981.47 with an interest rate of 6.480%. The UPB is xx. The seller's tape shows the deferred balance is xx. | $1900.00 | $1750.00 | $1725.00 | $1800.00 | $1850.00 | $1850.00 | $1850.00 | $1850.00 | $1850.00 | $1850.00 | $1850.00 | $1850.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1900.00000<br> $1750.00000<br> $1725.00000<br> $1800.00000<br> $1850.00000<br> $1850.00000<br> $1850.00000<br> $1850.00000<br> $1850.00000<br> $1850.00000<br> $1850.00000<br> $1850.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 49.500% | 0.000% | 0.000% | 0.000% | $915.63 | $21975.00 |
| 59148084 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $27664.38 | 7.500% | $240.26 | $326.39 | 2024-09-30 | 2024-10-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024.The last payment was received on xx/xx/2024 in the amount of $326.39 which was applied for the due date of xx/xx/2024. The current monthly P&I is $240.26 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $327.44 | $654.58 | $327.44 | $327.44 | $981.27 | $652.78 | $0.00 | $326.39 | $326.39 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000002223321222122222221 | 122222221222123322200000 | 2024-09-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $327.44000<br> $654.58000<br> $327.44000<br> $327.44000<br> $981.27000<br> $652.78000<br> $0.00000<br> $326.39000<br> $326.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.100% | 0.000% | 0.000% | 0.000% | $163.49 | $3923.73 |
| 77429620 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $11966.95 | 11.890% | $394.38 | $658.97 | 2024-11-08 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $394.38 and PITI is $658.97. The UPB reflected as per the payment history is xx. As per PH tape the deferred balance is $4,144.40. | $640.27 | $640.27 | $669.86 | $669.86 | $669.86 | $669.86 | $669.86 | $0.00 | $669.86 | $0.00 | $1339.72 | $658.97 | $658.97 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 111211000000000110002111 | 111200011000000000112111 | 2024-11-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $640.27000<br> $640.27000<br> $669.86000<br> $669.86000<br> $669.86000<br> $669.86000<br> $669.86000<br> $0.00000<br> $669.86000<br> $0.00000<br> $1339.72000<br> $658.97000<br> $658.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.300% | 0.000% | 0.000% | 8.300% | $331.56 | $7957.36 |
| 83977130 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Kansas | xx | $4512.72 | 11.220% | $388.43 | $388.43 | 2024-10-28 | 2024-10-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $388.43, which was applied to the due date of xx/xx/2024. The unpaid principal balance is $xxx, and the deferred balance is $6,385.03. The current P&I is $388.43, and the interest rate is 11.220%. | $388.43 | $0.00 | $388.43 | $776.86 | $0.00 | $388.43 | $388.43 | $388.43 | $388.43 | $1165.90 | $388.43 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 001222212211101211111110 | 011111112101112212222100 | 2024-09-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $388.43000<br> $0.00000<br> $388.43000<br> $776.86000<br> $0.00000<br> $388.43000<br> $388.43000<br> $388.43000<br> $388.43000<br> $1165.90000<br> $388.43000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 0.000% | 0.000% | $194.24 | $4661.77 |
| 19724366 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | $33111.20 | 7.990% | $439.85 | $518.29 | 2024-11-05 | 2024-10-01 | 1 | According to the payment history as of xx/xx/2024, the borrower is currently 01 month delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $518.29 which was applied for the due date of xx/xx/2024. The current monthly P&I is $439.85 with an interest rate of 7.990%. The current UPB reflected as per the payment history is xx and deferred balance is $2,202.64. | $501.07 | $501.07 | $0.00 | $1537.65 | $518.29 | $518.29 | $518.29 | $518.29 | $0.00 | $1036.58 | $0.00 | $518.29 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 110100000211101000000111 | 111000000101112000001011 | 2024-10-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $501.07000<br> $501.07000<br> $0.00000<br> $1537.65000<br> $518.29000<br> $518.29000<br> $518.29000<br> $518.29000<br> $0.00000<br> $1036.58000<br> $0.00000<br> $518.29000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 49.600% | 0.000% | 0.000% | 0.000% | $256.99 | $6167.82 |
| 43989345 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $27995.92 | 9.690% | $384.64 | $603.34 | 2024-10-17 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $603.34 which was applied for the due date of xx/xx/2024. The current monthly P&I is $384.64 with an interest rate of 9.690%. The current UPB reflected as per the payment history is xx. As per the deferment agreement located atxx the servicer deferred payments in the amount of $5,218.30. | $607.49 | $603.34 | $603.34 | $603.34 | $603.34 | $0.00 | $603.34 | $2360.60 | $603.34 | $603.34 | $603.34 | $603.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000001100000000000000000 | 000000000000000001100000 | 2024-10-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $607.49000<br> $603.34000<br> $603.34000<br> $603.34000<br> $603.34000<br> $0.00000<br> $603.34000<br> $2360.60000<br> $603.34000<br> $603.34000<br> $603.34000<br> $603.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.000% | 0.000% | 0.000% | 0.000% | $349.92 | $8398.15 |
| 44905089 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | $6182.46 | 9.100% | $265.25 | $404.04 | 2024-10-31 | 2024-09-01 | 1 | According to the latest payment history as of xx/xx/2024, the borrower has been currently delinquent for 2 months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $404.04, which was applied to the due date of xx/xx/2024. The unpaid principal balance is $6,182.46 and the deferred balance is $6,552.79. The current P&I is $265.25, and the interest rate is 9.100%. | $0.00 | $287.73 | $0.00 | $0.00 | $0.00 | $1150.92 | $404.04 | $404.04 | $0.00 | $404.04 | $404.04 | $404.04 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 222211103211010002110221 | 122011200010112301112222 | 2024-10-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $287.73000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1150.92000<br> $404.04000<br> $404.04000<br> $0.00000<br> $404.04000<br> $404.04000<br> $404.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 35.700% | 0.000% | 0.000% | 0.000% | $144.12 | $3458.85 |
| 83394159 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $344448.75 | 5.625% | $2050.78 | $2714.87 | 2024-11-22 | 2024-12-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,714.87, which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $2,050.78, and the interest rate is 5.625%.<br>| $2718.23 | $2718.23 | $2776.98 | $5553.96 | $2776.98 | $2776.98 | $2776.98 | $2776.98 | $2776.98 | $2714.87 | $2716.65 | $2714.87 | $2714.87 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000011111111100000 | 000001111111110000000000 | 2024-11-19 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2718.23000<br> $2718.23000<br> $2776.98000<br> $5553.96000<br> $2776.98000<br> $2776.98000<br> $2776.98000<br> $2776.98000<br> $2776.98000<br> $2714.87000<br> $2716.65000<br> $2714.87000<br> $2714.87000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 59.100% | 0.000% | 0.000% | 8.300% | $1604.73 | $38513.56 |
| 47632888 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $440259.44 | 5.990% | $2645.38 | $3301.99 | 2024-11-18 | 2024-12-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,301.99 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $2,645.38 and the interest rate is 5.990%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4301.99 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-11-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4301.99000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 5.400% | 0.000% | 0.000% | 10.900% | $179.25 | $4301.99 |
| 82543083 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $1118978.06 | 9.999% | $9871.85 | $11106.75 | 2024-10-31 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of xx (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $9,871.85 with an interest rate of 9.999%. The current UPB is xx. | $0.00 | $11106.75 | $11106.75 | $11156.75 | $11106.75 | $11206.75 | $11156.75 | $11156.75 | $11106.75 | $11106.75 | $11106.75 | $11156.75 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2024-10-12 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $11106.75000<br> $11106.75000<br> $11156.75000<br> $11106.75000<br> $11206.75000<br> $11156.75000<br> $11156.75000<br> $11106.75000<br> $11106.75000<br> $11106.75000<br> $11156.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.900% | 0.000% | 0.000% | 0.000% | $5103.09 | $122474.25 |
| 88668600 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $361023.37 | 10.875% | $3419.86 | $3995.00 | 2024-10-31 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The current P&I is $3,419.86; the PITI is in the amount of $3,995.00 with an interest rate of 10.875%. The current UPB reflected as per the payment history is xx. | $3995.00 | $3995.00 | $3995.00 | $3995.00 | $3995.00 | $3995.00 | $3995.00 | $3995.00 | $3995.00 | $3995.00 | $3995.00 | $3995.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2024-10-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3995.00000<br> $3995.00000<br> $3995.00000<br> $3995.00000<br> $3995.00000<br> $3995.00000<br> $3995.00000<br> $3995.00000<br> $3995.00000<br> $3995.00000<br> $3995.00000<br> $3995.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 0.000% | 0.000% | $1997.50 | $47940.00 |
| 49865359 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $390111.85 | 10.375% | $3548.74 | $4218.23 | 2024-11-01 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The current P&I is $3,548.74, and PITI is in the amount of $4,218.23 with an interest rate of 10.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $4218.23 | $4218.23 | $4218.23 | $4218.23 | $4218.23 | $4218.23 | $4218.23 | $4218.23 | $4218.23 | $4218.23 | $4218.23 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2024-11-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $4218.23000<br> $4218.23000<br> $4218.23000<br> $4218.23000<br> $4218.23000<br> $4218.23000<br> $4218.23000<br> $4218.23000<br> $4218.23000<br> $4218.23000<br> $4218.23000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 0.000% | 8.300% | $1933.36 | $46400.53 |
| 49944974 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $473898.59 | 6.990% | $3230.11 | $4297.93 | 2024-11-01 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,297.93, which was applied for the due date of xx/xx/2024, and P&I is $3,230.11 with an interest rate of 6.990%. The new UPB is xx. | $3751.23 | $3751.23 | $3751.23 | $3751.23 | $4297.93 | $4297.93 | $4297.93 | $4297.93 | $4297.93 | $4297.93 | $4297.93 | $4297.93 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3751.23000<br> $3751.23000<br> $3751.23000<br> $3751.23000<br> $4297.93000<br> $4297.93000<br> $4297.93000<br> $4297.93000<br> $4297.93000<br> $4297.93000<br> $4297.93000<br> $4297.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 47.900% | 0.000% | 0.000% | 0.000% | $2057.85 | $49388.36 |
| 93070892 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $367219.84 | 10.625% | $3416.07 | $4111.15 | 2024-10-31 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The current P&I is in the amount of $3,416.07, and PITI is $4,111.15 with an interest rate of 10.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $4093.15 | $4093.15 | $4093.15 | $4093.15 | $4093.15 | $4093.15 | $4093.15 | $4093.15 | $4111.15 | $4111.15 | $4111.15 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2024-10-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $4093.15000<br> $4093.15000<br> $4093.15000<br> $4093.15000<br> $4093.15000<br> $4093.15000<br> $4093.15000<br> $4093.15000<br> $4111.15000<br> $4111.15000<br> $4111.15000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.700% | 0.000% | 0.000% | 0.000% | $1878.28 | $45078.65 |
| 40515420 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $411530.28 | 10.125% | $3674.76 | $4330.60 | 2024-11-05 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is currently making the regular payments, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,330.60, which was applied for the due date of xx/xx/2024. The current P&I is $3,674.76 with an interest rate of 10.125%, and the PITI is $4,330.60. The UPB is xx. | $4324.23 | $4324.23 | $4324.23 | $4324.23 | $4330.60 | $4330.60 | $4330.60 | $4330.60 | $4330.60 | $4330.60 | $4330.60 | $4330.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2024-10-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4324.23000<br> $4324.23000<br> $4324.23000<br> $4324.23000<br> $4330.60000<br> $4330.60000<br> $4330.60000<br> $4330.60000<br> $4330.60000<br> $4330.60000<br> $4330.60000<br> $4330.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 0.000% | 0.000% | $2164.24 | $51941.72 |
| 64512543 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $94383.26 | 10.375% | $855.61 | $1129.89 | 2024-11-01 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The current P&I is in the amount of $855.61, and the PITI is in the amount of $1,129.89 with an interest rate of 10.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1129.89 | $1129.89 | $1129.89 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-11-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1129.89000<br> $1129.89000<br> $1129.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 8.300% | $141.24 | $3389.67 |
| 59179749 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $708900.57 | 10.499% | $6317.17 | $7152.60 | 2024-10-31 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The P&I is in the amount of $6,317.17, and PITI is $7,152.60. The UPB is xx. | $7483.16 | $7483.16 | $7483.16 | $7483.16 | $7483.16 | $7483.16 | $7152.60 | $7152.60 | $7152.60 | $7152.60 | $7152.60 | $7152.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000010MM | MM010000000000000000 | 2024-10-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $7483.16000<br> $7483.16000<br> $7483.16000<br> $7483.16000<br> $7483.16000<br> $7483.16000<br> $7152.60000<br> $7152.60000<br> $7152.60000<br> $7152.60000<br> $7152.60000<br> $7152.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 51.200% | 0.000% | 0.000% | 0.000% | $3658.94 | $87814.56 |
| 98087022 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $1606355.04 | 10.625% | $14970.38 | $18821.80 | 2024-11-05 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the loan is current, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of xx, which was applied for the due date of xx/xx/2024. The P&I is xx, and PITI is xx. The UPB is xx. | $17985.50 | $17985.50 | $18782.26 | $18782.26 | $18782.26 | $18782.26 | $18782.26 | $18782.26 | $18782.26 | $18821.80 | $18821.80 | $18821.80 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000001MM | MM100000000000000000 | 2024-10-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $17985.50000<br> $17985.50000<br> $18782.26000<br> $18782.26000<br> $18782.26000<br> $18782.26000<br> $18782.26000<br> $18782.26000<br> $18782.26000<br> $18821.80000<br> $18821.80000<br> $18821.80000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 49.600% | 0.000% | 0.000% | 0.000% | $9329.68 | $223912.22 |
| 37827243 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $164299.60 | 10.375% | $1493.92 | $1657.47 | 2024-10-31 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,657.47, which was applied for the due date of xx/xx/2024. The current P&I is $1,493.92 with an interest rate of 10.375%. The current UPB is xx. | $0.00 | $0.00 | $1657.47 | $1657.47 | $1657.47 | $1657.47 | $1657.47 | $1657.47 | $0.00 | $3314.94 | $1657.47 | $1657.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0001000000 | 0000001000 | 2024-10-17 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $1657.47000<br> $1657.47000<br> $1657.47000<br> $1657.47000<br> $1657.47000<br> $1657.47000<br> $0.00000<br> $3314.94000<br> $1657.47000<br> $1657.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 0.000% | 0.000% | $690.61 | $16574.70 |
| 2439689 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $252680.90 | 8.500% | $1981.87 | $2629.71 | 2024-10-31 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,629.71, which was applied for the due date of xx/xx/2024. The current P&I is $1,981.87 with an interest rate of 8.500%. The current UPB is xx. | $2243.19 | $4914.26 | $2457.13 | $2629.71 | $2629.71 | $2629.71 | $2629.71 | $0.00 | $5259.42 | $2629.71 | $0.00 | $6259.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-26 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2243.19000<br> $4914.26000<br> $2457.13000<br> $2629.71000<br> $2629.71000<br> $2629.71000<br> $2629.71000<br> $0.00000<br> $5259.42000<br> $2629.71000<br> $0.00000<br> $6259.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.300% | 0.000% | 0.000% | 0.000% | $1428.42 | $34281.97 |
| 75876619 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $44473.20 | 10.250% | $403.25 | $518.99 | 2024-11-01 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The current P&I is in the amount of $403.25, and PITI is in the amount of $518.99 with an interest rate of 10.250%. The UPB is reflected in the amount of xx. | $516.91 | $516.91 | $516.91 | $516.91 | $516.91 | $520.21 | $520.21 | $520.21 | $520.21 | $520.21 | $520.21 | $518.99 | $518.99 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000000 | 00000000000000000000 | 2024-11-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $516.91000<br> $516.91000<br> $516.91000<br> $516.91000<br> $516.91000<br> $520.21000<br> $520.21000<br> $520.21000<br> $520.21000<br> $520.21000<br> $520.21000<br> $518.99000<br> $518.99000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.100% | 0.000% | 0.000% | 8.300% | $280.99 | $6743.79 |
| 95961456 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $495587.30 | 10.375% | $4506.21 | $5148.88 | 2024-10-31 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,148.88 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $4,506.21 with an interest rate of 10.375%. The current UPB is xx. | $0.00 | $0.00 | $5148.88 | $5148.88 | $5148.88 | $5148.88 | $5148.88 | $5148.88 | $5148.88 | $5148.88 | $5148.88 | $5148.88 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2024-10-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $5148.88000<br> $5148.88000<br> $5148.88000<br> $5148.88000<br> $5148.88000<br> $5148.88000<br> $5148.88000<br> $5148.88000<br> $5148.88000<br> $5148.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 0.000% | 0.000% | $2145.37 | $51488.80 |
| 61391818 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | Oklahoma | xx | $373872.45 | 10.375% | $3397.99 | $3759.90 | 2024-10-31 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,759.90, which was applied for the due date of xx/xx/2024. The current P&I is $3,397.99 with an interest rate of 10.375%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $3759.90 | $3759.90 | $3759.90 | $3759.90 | $3759.90 | $3759.90 | $3759.90 | $3759.90 | $3759.90 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2024-10-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $3759.90000<br> $3759.90000<br> $3759.90000<br> $3759.90000<br> $3759.90000<br> $3759.90000<br> $3759.90000<br> $3759.90000<br> $3759.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 0.000% | $1409.96 | $33839.10 |
| 7257675 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $337825.37 | 10.250% | $3039.13 | $3777.55 | 2024-11-01 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,777.55, which was applied for the due date of xx/xx/2024. The current P&I is $3,039.13 with an interest rate of 10.250%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $3777.55 | $3777.55 | $0.00 | $3777.55 | $3777.55 | $0.00 | $7555.10 | $3777.55 | $3777.55 | $3777.55 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000010000 | 000010000 | 2024-11-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $3777.55000<br> $3777.55000<br> $0.00000<br> $3777.55000<br> $3777.55000<br> $0.00000<br> $7555.10000<br> $3777.55000<br> $3777.55000<br> $3777.55000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 8.300% | $1416.58 | $33997.95 |
| 25424346 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Oklahoma | xx | $89804.88 | 6.500% | $575.18 | $828.34 | 2024-10-31 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $828.34 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $575.18 with an interest rate of 6.50%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $928.34 | $928.34 | $928.34 | $0.00 | $0.00 | $1756.68 | $1856.68 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0001000 | 0001000 | 2024-10-29 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $928.34000<br> $928.34000<br> $928.34000<br> $0.00000<br> $0.00000<br> $1756.68000<br> $1856.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 32.200% | 0.000% | 0.000% | 0.000% | $266.60 | $6398.38 |
| 80016767 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $426792.78 | 10.375% | $3870.62 | $4468.96 | 2024-10-31 | 2024-11-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024, in the amount of $4,468.96, which was applied for the due date of xx/xx/2024. The current P&I is $3,870.62 with an interest rate of 10.375%, and PITI is $4,468.96. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4468.96 | $4468.96 | $4468.96 | $4468.96 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2024-10-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4468.96000<br> $4468.96000<br> $4468.96000<br> $4468.96000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 0.000% | $744.83 | $17875.84 |
| 31508663 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $259559.84 | 10.375% | $2354.96 | $2598.38 | 2024-11-01 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,598.38, which was applied for the due date of xx/xx/2024. The P&I is $2,354.96, the interest rate is 10.375%, and PITI is $2,598.38. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2598.38 | $2598.38 | $2598.38 | $2598.38 | $2598.38 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2024-11-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2598.38000<br> $2598.38000<br> $2598.38000<br> $2598.38000<br> $2598.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 8.300% | $541.33 | $12991.90 |
| 46812468 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $319105.30 | 10.375% | $2892.78 | $3353.64 | 2024-11-01 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date for payment is xx/xx/2024. The last payment was received on xx/xx/2024 for the due date of xx/xx/2024. The P&I is in the amount of $2,892.78, and PITI is $3,353.64. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3353.64 | $3353.64 | $3353.64 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-10-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3353.64000<br> $3353.64000<br> $3353.64000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 0.000% | $419.21 | $10060.92 |
| 27242715 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Connecticut | xx | $330842.50 | 7.875% | $2407.23 | $3129.29 | 2024-11-01 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,129.29 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $2,407.23 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3129.29 | $3129.29 | $3129.29 | $3129.29 | $3129.29 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2024-11-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3129.29000<br> $3129.29000<br> $3129.29000<br> $3129.29000<br> $3129.29000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 8.300% | $651.94 | $15646.45 |
| 80699508 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $354851.84 | 3.250% | $1337.55 | $2016.06 | 2024-11-13 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,016.06, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,337.55 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6050.56 | $2166.06 | $3166.06 | $2016.06 | $2166.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000144444444432100000 | 00000123444444444100000 | 2024-11-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6050.56000<br> $2166.06000<br> $3166.06000<br> $2016.06000<br> $2166.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 32.200% | 0.000% | 0.000% | 9.000% | $648.53 | $15564.80 |
| 82753703 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $175741.27 | 2.875% | $622.83 | $1002.03 | 2024-11-25 | 2024-12-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,002.03, which applied for xx/xx/2024. The current P&I is $622.83 with an interest rate of 2.875%. The UPB is xx. | $1188.25 | $0.00 | $1154.87 | $0.00 | $1990.07 | $1002.03 | $1002.03 | $0.00 | $2004.03 | $0.00 | $1002.03 | $1002.03 | $1002.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000444443221110111 | 111011122344444000000000 | 2024-11-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1188.25000<br> $0.00000<br> $1154.87000<br> $0.00000<br> $1990.07000<br> $1002.03000<br> $1002.03000<br> $0.00000<br> $2004.03000<br> $0.00000<br> $1002.03000<br> $1002.03000<br> $1002.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 47.200% | 0.000% | 0.000% | 8.300% | $472.81 | $11347.37 |
| 99950993 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $171599.85 | 8.750% | $1353.12 | $1353.12 | 2024-11-19 | 2024-12-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,353.12, which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx. The current P&I is $1,353.12, and the interest rate is 8.750%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1353.12 | $0.00 | $0.00 | $4059.36 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0010 | 0100 | 2024-10-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1353.12000<br> $0.00000<br> $0.00000<br> $4059.36000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 0.000% | $225.52 | $5412.48 |
| 51694012 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Minnesota | xx | $121834.80 | 7.750% | $886.56 | $1060.84 | 2024-12-03 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,060.84 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $886.56, and the interest rate is 7.750%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $1040.14 | $1150.14 | $1150.14 | $1150.14 | $1150.14 | $1150.14 | $1170.84 | $1170.84 | $1170.84 | $1170.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2024-11-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $1040.14000<br> $1150.14000<br> $1150.14000<br> $1150.14000<br> $1150.14000<br> $1150.14000<br> $1170.84000<br> $1170.84000<br> $1170.84000<br> $1170.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.100% | 0.000% | 0.000% | 9.200% | $478.09 | $11474.20 |
| 69239139 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $656366.16 | 7.990% | $4838.25 | $5221.59 | 2024-11-20 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,221.59, which was applied for the due date of xx/xx/2024. The current monthly P&I is $4,838.25 with an interest rate of 7.99%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10443.18 | $0.00 | $5221.59 | $5221.59 | $5221.59 | $5221.59 | $0.00 | $10443.18 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 01000000 | 00000010 | 2024-11-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $10443.18000<br> $0.00000<br> $5221.59000<br> $5221.59000<br> $5221.59000<br> $5221.59000<br> $0.00000<br> $10443.18000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 0.000% | 16.700% | $1740.53 | $41772.72 |
| 93660730 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $1066606.00 | 7.000% | $7096.16 | $7096.16 | 2024-11-18 | 2024-12-01 | 0 | The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2024. As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current P&I is $7,096.16, and the interest rate is 7.000%. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 58990040 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Wisconsin | xx | $150207.34 | 6.250% | $925.73 | $1351.00 | 2024-11-19 | 2024-12-01 | 0 | As per the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,351.00 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $925.73 with an interest rate of 6.250%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1351.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-11-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1351.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $56.29 | $1351.00 |
| 88704636 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $416522.66 | 6.875% | $2747.93 | $3685.55 | 2024-12-02 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,685.55, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,747.93, and the rate of interest is 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3685.55 | $3685.55 | $3685.55 | $3685.55 | $3685.55 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2024-11-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3685.55000<br> $3685.55000<br> $3685.55000<br> $3685.55000<br> $3685.55000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 8.300% | $767.82 | $18427.75 |
| 71082710 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $266359.13 | 4.875% | $1426.11 | $1982.60 | 2024-12-13 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,982.60 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,426.11 with an interest rate of 4.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1982.06 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $0.00 | $3965.20 | $1982.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 001000000 | 000000100 | 2024-12-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1982.06000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $0.00000<br> $3965.20000<br> $1982.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.700% | 0.000% | 0.000% | 25.000% | $747.08 | $17929.86 |
| 53363047 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $568086.04 | 6.375% | $3571.07 | $4882.89 | 2024-12-24 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $4,882.89 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $3,571.07 with an interest rate of 6.375%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4882.89 | $4882.89 | $4882.89 | $4882.89 | $4882.89 | $4882.89 | $4882.89 | $4882.89 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2024-12-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4882.89000<br> $4882.89000<br> $4882.89000<br> $4882.89000<br> $4882.89000<br> $4882.89000<br> $4882.89000<br> $4882.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 0.000% | 16.700% | $1627.63 | $39063.12 |
| 28389387 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $502437.53 | 5.990% | $3018.21 | $4058.32 | 2024-12-13 | 2024-12-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024, in the amount of $4,058.32, which was applied for the due date of xx/xx/2024. The current P&I is $3,018.21, and interest rate is 5.990%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4058.32 | $4058.32 | $4058.32 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-11-19 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4058.32000<br> $4058.32000<br> $4058.32000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 8.300% | $507.29 | $12174.96 |
| 98773672 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $395625.22 | 4.990% | $2134.34 | $2656.85 | 2024-12-16 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,656.85, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,134.34 with an interest rate of 4.990%. The current UPB reflected as per the payment history is xx.. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2656.85 | $5313.70 | $0.00 | $2656.85 | $2656.85 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-12-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2656.85000<br> $5313.70000<br> $0.00000<br> $2656.85000<br> $2656.85000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 16.700% | $553.51 | $13284.25 |
| 19905377 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Delaware | xx | $508825.10 | 3.750% | $2499.67 | $3039.39 | 2024-12-02 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,039.39, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,499.67 with an interest rate of 3.750%.The current UPB reflected as per the payment history is xx. | $3027.87 | $3027.87 | $3039.39 | $3039.39 | $3039.39 | $3039.39 | $3039.39 | $3039.39 | $3039.39 | $3039.39 | $3039.39 | $3039.39 | $3039.39 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3027.87000<br> $3027.87000<br> $3039.39000<br> $3039.39000<br> $3039.39000<br> $3039.39000<br> $3039.39000<br> $3039.39000<br> $3039.39000<br> $3039.39000<br> $3039.39000<br> $3039.39000<br> $3039.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.100% | 0.000% | 0.000% | 8.300% | $1645.38 | $39489.03 |
| 40017386 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $211041.29 | 6.375% | $1347.06 | $1966.79 | 2024-12-02 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,993.73, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,347.06 with an interest rate of 6.375%. The current UPB is xx. | $0.00 | $0.00 | $1624.81 | $1966.79 | $1993.73 | $1966.79 | $1966.79 | $1966.79 | $1966.79 | $1966.79 | $1966.79 | $1966.79 | $1993.73 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000444444444444 | 44444444444400000000000 | 2024-11-20 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $1624.81000<br> $1966.79000<br> $1993.73000<br> $1966.79000<br> $1966.79000<br> $1966.79000<br> $1966.79000<br> $1966.79000<br> $1966.79000<br> $1966.79000<br> $1993.73000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.200% | 0.000% | 0.000% | 8.400% | $889.44 | $21346.59 |
| 68807844 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $256993.27 | 3.625% | $1251.86 | $1879.31 | 2024-12-02 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,879.31, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,251.86, and the rate of interest is 3.625%. The current UPB reflected as per the payment history is xx. | $1780.45 | $2075.45 | $1780.45 | $1780.45 | $1780.45 | $1879.31 | $1879.31 | $1879.31 | $1879.31 | $1879.31 | $1879.31 | $1879.31 | $1879.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1780.45000<br> $2075.45000<br> $1780.45000<br> $1780.45000<br> $1780.45000<br> $1879.31000<br> $1879.31000<br> $1879.31000<br> $1879.31000<br> $1879.31000<br> $1879.31000<br> $1879.31000<br> $1879.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.700% | 0.000% | 0.000% | 8.300% | $1009.66 | $24231.73 |
| 2418852 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $339510.21 | 7.750% | $2434.01 | $2434.01 | 2024-12-11 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,434.01 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,434.01 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2434.01 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-12-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2434.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $101.42 | $2434.01 |
| 86976110 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $290671.17 | 5.625% | $1689.84 | $2366.89 | 2024-12-17 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024, and the next due date for payment is xx/xx/2025. The P&I is $1,689.84, and PITI is $2,366.89. The UPB reflected as per the payment history is xx. | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2154.00 | $2153.75 | $2153.75 | $2153.75 | $2153.75 | $2153.75 | $2366.89 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-12-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2154.00000<br> $2153.75000<br> $2153.75000<br> $2153.75000<br> $2153.75000<br> $2153.75000<br> $2366.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.000% | 0.000% | 0.000% | 15.900% | $1278.74 | $30689.64 |
| 99103814 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $623037.36 | 7.000% | $4251.28 | $4580.00 | 2024-12-06 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,580.00 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $4,251.28 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | $4580.00 | $4600.00 | $4515.00 | $4515.00 | $4580.00 | $4600.00 | $4570.00 | $4570.00 | $4514.80 | $4700.00 | $4600.00 | $0.00 | $9150.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 010000000000000000000000 | 000000000000000000000010 | 2024-11-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4580.00000<br> $4600.00000<br> $4515.00000<br> $4515.00000<br> $4580.00000<br> $4600.00000<br> $4570.00000<br> $4570.00000<br> $4514.80000<br> $4700.00000<br> $4600.00000<br> $0.00000<br> $9150.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.100% | 0.000% | 0.000% | 16.600% | $2478.95 | $59494.80 |
| 48643502 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $149648.14 | 4.500% | $715.96 | $715.96 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $715.96, and the interest rate is 4.50%. The UPB is xx. | $715.96 | $715.96 | $715.96 | $715.96 | $715.96 | $715.96 | $715.96 | $740.96 | $690.96 | $715.96 | $715.96 | $715.96 | $715.96 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $715.96000<br> $715.96000<br> $715.96000<br> $715.96000<br> $715.96000<br> $715.96000<br> $715.96000<br> $740.96000<br> $690.96000<br> $715.96000<br> $715.96000<br> $715.96000<br> $715.96000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 0.000% | 8.300% | $387.81 | $9307.48 |
| 84503027 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $56241.75 | 7.750% | $392.18 | $400.00 | 2024-12-31 | 2025-02-02 | 0 | According to seller's tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $392.18, and the interest rate is 7.750%. The current UPB reflected as per the tape data is xx. | $850.00 | $420.00 | $420.00 | $0.00 | $840.00 | $446.72 | $420.00 | $420.00 | $400.00 | $441.72 | $837.26 | $400.00 | $400.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $850.00000<br> $420.00000<br> $420.00000<br> $0.00000<br> $840.00000<br> $446.72000<br> $420.00000<br> $420.00000<br> $400.00000<br> $441.72000<br> $837.26000<br> $400.00000<br> $400.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.600% | 0.000% | 0.000% | 8.300% | $262.32 | $6295.70 |
| 78182473 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $3481.53 | 3.875% | $56.20 | $56.20 | 2024-12-31 | 2025-01-01 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $56.20 with an interest rate of 3.875%. The current UPB reflected as per the payment history tape data is $xxx. | $60.00 | $60.00 | $60.00 | $60.00 | $60.00 | $60.00 | $60.00 | $60.00 | $60.00 | $60.00 | $60.00 | $60.00 | $60.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $60.00000<br> $60.00000<br> $60.00000<br> $60.00000<br> $60.00000<br> $60.00000<br> $60.00000<br> $60.00000<br> $60.00000<br> $60.00000<br> $60.00000<br> $60.00000<br> $60.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 57.800% | 0.000% | 0.000% | 8.900% | $32.50 | $780.00 |
| 65103796 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Hawaii | xx | $49708.17 | 4.500% | $402.33 | $402.33 | 2024-12-31 | 2025-02-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $402.33, and the interest rate is 4.500%. The UPB is xx. | $402.33 | $402.33 | $402.33 | $402.33 | $402.33 | $402.33 | $402.33 | $402.33 | $402.33 | $402.33 | $402.33 | $402.33 | $402.33 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $402.33000<br> $402.33000<br> $402.33000<br> $402.33000<br> $402.33000<br> $402.33000<br> $402.33000<br> $402.33000<br> $402.33000<br> $402.33000<br> $402.33000<br> $402.33000<br> $402.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 0.000% | 8.300% | $217.93 | $5230.29 |
| 50000137 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $197262.96 | 3.500% | $918.73 | $2227.70 | 2024-12-31 | 2025-01-01 | 0 | According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $918.73 and the interest rate is 3.500%.<br> The total deferred balance is xx. <br> As per the deferral agreement located "xx," the deferred balance is $9,314.57. | $0.00 | $2200.00 | $2230.00 | $2228.37 | $2229.00 | $2229.00 | $2240.00 | $2228.37 | $2230.00 | $2227.70 | $2227.70 | $2227.70 | $2227.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M000000000000MM000000000 | 000000000MM000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $2200.00000<br> $2230.00000<br> $2228.37000<br> $2229.00000<br> $2229.00000<br> $2240.00000<br> $2228.37000<br> $2230.00000<br> $2227.70000<br> $2227.70000<br> $2227.70000<br> $2227.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 0.000% | 8.300% | $1113.56 | $26725.54 |
| 9054551 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $381815.92 | 7.490% | $2411.90 | $2411.90 | 2024-12-31 | 2025-01-18 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $2,411.90 with an interest rate of 7.490%. The current UPB reflected as per the payment history tape data is xx. | $2664.35 | $2664.34 | $2753.16 | $2747.57 | $2745.63 | $2568.49 | $2745.63 | $2657.07 | $2657.06 | $2745.63 | $2745.62 | $2724.77 | $2500.58 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2664.35000<br> $2664.34000<br> $2753.16000<br> $2747.57000<br> $2745.63000<br> $2568.49000<br> $2745.63000<br> $2657.07000<br> $2657.06000<br> $2745.63000<br> $2745.62000<br> $2724.77000<br> $2500.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 60.300% | 0.000% | 0.000% | 8.600% | $1455.00 | $34919.90 |
| 79954568 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $23117.75 | 4.000% | $109.43 | $534.58 | 2024-12-31 | 2025-02-01 | 0 | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $109.43 with an interest rate of 4.00%. The current UPB reflected as per the payment history tape data is xx and the deferred balance is xx. | $519.51 | $519.51 | $519.51 | $1039.02 | $0.00 | $1069.16 | $0.00 | $534.58 | $534.58 | $1069.16 | $0.00 | $534.58 | $534.58 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000000010000 | 0000100000000000000000MM |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $519.51000<br> $519.51000<br> $519.51000<br> $1039.02000<br> $0.00000<br> $1069.16000<br> $0.00000<br> $534.58000<br> $534.58000<br> $1069.16000<br> $0.00000<br> $534.58000<br> $534.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.600% | 0.000% | 0.000% | 8.300% | $286.42 | $6874.19 |
| 37489065 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $43856.14 | 8.500% | $307.47 | $386.47 | 2024-12-31 | 2025-01-01 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $307.47 with an interest rate of 8.50%. The current UPB reflected as per the payment history tape data is xx. | $0.00 | $500.00 | $400.00 | $294.43 | $922.72 | $0.00 | $492.74 | $455.78 | $934.77 | $0.00 | $446.00 | $708.47 | $436.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $500.00000<br> $400.00000<br> $294.43000<br> $922.72000<br> $0.00000<br> $492.74000<br> $455.78000<br> $934.77000<br> $0.00000<br> $446.00000<br> $708.47000<br> $436.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 60.300% | 0.000% | 0.000% | 9.400% | $232.97 | $5591.38 |
| 29215770 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $439983.15 | 3.625% | $1797.25 | $2606.49 | 2024-12-31 | 2025-02-01 | 0 | According to the seller tape, the borrower is current with the loan. The next due date is xx/xx/2025. Unable to determine the last payment received date. As per the tape, the current P&I is $1,797.25 and the interest rate is 3.625%. The current UPB is xx and deferred balance is xx. | $2548.07 | $2548.07 | $2548.07 | $2548.07 | $2548.07 | $2548.07 | $2606.49 | $2606.49 | $2606.49 | $2606.49 | $2606.49 | $2606.49 | $2606.49 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2548.07000<br> $2548.07000<br> $2548.07000<br> $2548.07000<br> $2548.07000<br> $2548.07000<br> $2606.49000<br> $2606.49000<br> $2606.49000<br> $2606.49000<br> $2606.49000<br> $2606.49000<br> $2606.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.600% | 0.000% | 0.000% | 8.300% | $1397.24 | $33533.85 |
| 30094426 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $32999.55 | 4.125% | $866.94 | $3383.91 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history tape data as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2025. Unable to determine the last payment received date. The current P&I is $866.94 and the interest rate is 4.125%. The current UPB is xx. Tape shows the deferred balance is xx. <br>| $2395.46 | $2195.77 | $2395.46 | $2795.46 | $3395.46 | $3395.46 | $3895.46 | $3383.91 | $3383.91 | $3383.91 | $3383.91 | $2883.91 | $3383.91 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2395.46000<br> $2195.77000<br> $2395.46000<br> $2795.46000<br> $3395.46000<br> $3395.46000<br> $3895.46000<br> $3383.91000<br> $3383.91000<br> $3383.91000<br> $3383.91000<br> $2883.91000<br> $3383.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 49.600% | 0.000% | 0.000% | 8.300% | $1678.00 | $40271.99 |
| 70779114 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $31028.83 | 5.750% | $184.07 | $184.07 | 2024-12-31 | 2025-01-01 | 0 | According to payment history as per tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine last payment received date. The current P&I is $184.07 with an interest rate of 5.75%. The current UPB is xx. | $284.07 | $184.07 | $284.07 | $184.07 | $184.07 | $184.07 | $184.07 | $184.07 | $184.07 | $184.07 | $184.07 | $184.07 | $184.07 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $284.07000<br> $184.07000<br> $284.07000<br> $184.07000<br> $184.07000<br> $184.07000<br> $184.07000<br> $184.07000<br> $184.07000<br> $184.07000<br> $184.07000<br> $184.07000<br> $184.07000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.700% | 0.000% | 0.000% | 8.300% | $108.04 | $2592.91 |
| 88093504 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $65519.07 | 8.250% | $443.06 | $499.45 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024,, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $443.06, and the interest rate is 8.250%. The UPB is xx. | $491.91 | $1000.22 | $507.60 | $0.00 | $1013.84 | $946.94 | $502.36 | $483.34 | $483.34 | $499.45 | $499.45 | $499.45 | $459.17 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000010000 | 00001000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $491.91000<br> $1000.22000<br> $507.60000<br> $0.00000<br> $1013.84000<br> $946.94000<br> $502.36000<br> $483.34000<br> $483.34000<br> $499.45000<br> $499.45000<br> $499.45000<br> $459.17000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 61.600% | 0.000% | 0.000% | 7.700% | $307.79 | $7387.07 |
| 3989533 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $22276.72 | 8.150% | $157.50 | $200.00 | 2024-12-31 | 2025-02-05 | 0 | As per the review of the seller's tape data, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $157.50, and the interest rate is 8.150%. The UPB is xx | $172.79 | $172.80 | $339.87 | $0.00 | $180.00 | $155.65 | $336.98 | $192.32 | $0.00 | $338.84 | $200.00 | $200.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000000000000 | 0000000000000000000000MM |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $172.79000<br> $172.80000<br> $339.87000<br> $0.00000<br> $180.00000<br> $155.65000<br> $336.98000<br> $192.32000<br> $0.00000<br> $338.84000<br> $200.00000<br> $200.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 47.700% | 0.000% | 0.000% | 0.000% | $95.39 | $2289.25 |
| 78907455 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $33142.31 | 8.000% | $508.56 | $575.00 | 2024-12-31 | 2025-01-15 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Unable to determine last payment received. As per tape, the current monthly P&I is $508.56 with an interest rate of 8.00%. The UPB is xx. | $569.26 | $575.68 | $574.00 | $588.42 | $559.84 | $558.00 | $0.00 | $1124.03 | $572.53 | $560.00 | $575.00 | $0.00 | $1200.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M01000010000000000000000 | 00000000000000001000010M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $569.26000<br> $575.68000<br> $574.00000<br> $588.42000<br> $559.84000<br> $558.00000<br> $0.00000<br> $1124.03000<br> $572.53000<br> $560.00000<br> $575.00000<br> $0.00000<br> $1200.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.000% | 0.000% | 0.000% | 17.400% | $310.70 | $7456.76 |
| 60165707 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $41915.94 | 3.250% | $165.34 | $207.81 | 2024-12-31 | 2025-01-01 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $165.34 and PITI is $207.81 with an interest rate of 3.250%. The current UPB reflected as per the tape data is xx. Tape data reflects a deferred balance of $7,759.42. | $249.60 | $499.20 | $0.00 | $249.60 | $249.60 | $499.20 | $0.00 | $249.60 | $499.20 | $0.00 | $207.81 | $207.81 | $207.81 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000100000 | 00000100000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $249.60000<br> $499.20000<br> $0.00000<br> $249.60000<br> $249.60000<br> $499.20000<br> $0.00000<br> $249.60000<br> $499.20000<br> $0.00000<br> $207.81000<br> $207.81000<br> $207.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.500% | 0.000% | 0.000% | 8.300% | $129.98 | $3119.43 |
| 84897208 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $126193.57 | 4.000% | $652.84 | $652.84 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $652.84, and the interest rate is 4.000%. The UPB xx | $652.84 | $652.84 | $652.84 | $652.84 | $652.84 | $652.84 | $652.84 | $652.84 | $652.84 | $652.84 | $652.84 | $652.84 | $652.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $652.84000<br> $652.84000<br> $652.84000<br> $652.84000<br> $652.84000<br> $652.84000<br> $652.84000<br> $652.84000<br> $652.84000<br> $652.84000<br> $652.84000<br> $652.84000<br> $652.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 0.000% | 8.300% | $353.62 | $8486.92 |
| 4400059 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $9415.52 | 7.750% | $60.39 | $63.93 | 2024-12-31 | 2025-01-27 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $60.39 and interest rate is 7.750%. The UPB is xx | $69.16 | $66.93 | $138.32 | $77.67 | $55.23 | $68.47 | $66.27 | $66.27 | $164.41 | $0.00 | $136.08 | $63.93 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0010000000000210000101 | 1010000120000000000100MM |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $69.16000<br> $66.93000<br> $138.32000<br> $77.67000<br> $55.23000<br> $68.47000<br> $66.27000<br> $66.27000<br> $164.41000<br> $0.00000<br> $136.08000<br> $63.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 63.400% | 0.000% | 0.000% | 0.000% | $40.53 | $972.74 |
| 22894473 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $8052.90 | 4.500% | $154.90 | $154.90 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $154.90, and the interest rate is 4.50%. The UPB isxx | $500.00 | $500.00 | $500.00 | $500.00 | $500.00 | $500.00 | $500.00 | $500.00 | $500.00 | $500.00 | $500.00 | $500.00 | $500.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $500.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 174.800% | 0.000% | 0.000% | 26.900% | $270.83 | $6500.00 |
| 80329411 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $37403.25 | 4.250% | $190.39 | $190.39 | 2024-12-31 | 2025-01-01 | 0 | As per the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The P&I is $190.39 with an interest rate of 4.25%. The current UPB isxx, and the deferred amount is xx. | $190.39 | $190.39 | $190.39 | $190.39 | $190.39 | $190.39 | $190.39 | $190.39 | $190.39 | $190.39 | $190.39 | $190.39 | $190.39 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $190.39000<br> $190.39000<br> $190.39000<br> $190.39000<br> $190.39000<br> $190.39000<br> $190.39000<br> $190.39000<br> $190.39000<br> $190.39000<br> $190.39000<br> $190.39000<br> $190.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 0.000% | 8.300% | $103.13 | $2475.07 |
| 47405436 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $42885.21 | 2.250% | $142.01 | $142.01 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $142.01, and the interest rate is 2.250%. The UPB isxx | $142.01 | $142.01 | $142.01 | $142.01 | $142.01 | $142.01 | $142.01 | $142.01 | $142.01 | $142.01 | $142.01 | $142.01 | $142.01 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $142.01000<br> $142.01000<br> $142.01000<br> $142.01000<br> $142.01000<br> $142.01000<br> $142.01000<br> $142.01000<br> $142.01000<br> $142.01000<br> $142.01000<br> $142.01000<br> $142.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 0.000% | 8.300% | $76.92 | $1846.13 |
| 90890319 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $49900.00 | 9.000% | $383.79 | $383.79 | 2024-12-31 | 2025-01-26 | 0 | As per the review of the seller's tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $383.79, and the interest rate is 9.000%. The UPB is xx. The loan type is HELOC, and the borrower is making interest payments only. | $415.00 | $797.98 | $0.00 | $446.00 | $445.72 | $360.00 | $769.91 | $0.00 | $810.87 | $412.09 | $398.79 | $403.90 | $390.95 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000100001001000001000 | 00010000010010000100000M |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $415.00000<br> $797.98000<br> $0.00000<br> $446.00000<br> $445.72000<br> $360.00000<br> $769.91000<br> $0.00000<br> $810.87000<br> $412.09000<br> $398.79000<br> $403.90000<br> $390.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 61.400% | 0.000% | 0.000% | 8.500% | $235.47 | $5651.21 |
| 54445191 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $340122.36 | 5.990% | $2058.15 | $2647.17 | 2024-11-30 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,647.17, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,058.15 with an interest rate of 5.990%. The current UPB is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2647.17 | $5294.34 | $0.00 | $0.00 | $9468.84 | $2700.00 | $2647.17 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00001000 | 00010000 | 2024-11-29 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2647.17000<br> $5294.34000<br> $0.00000<br> $0.00000<br> $9468.84000<br> $2700.00000<br> $2647.17000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 35.800% | 0.000% | 0.000% | 8.300% | $948.23 | $22757.52 |
| 23338011 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $59584.29 | 7.990% | $439.84 | $678.90 | 2024-12-23 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $678.90, which was applied for the due date of xx/xx/2024. The current P&I is $439.84, and the rate of interest is 7.99%. The current UPB reflected as per the payment history tape is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $678.90 | $678.90 | $678.90 | $0.00 | $0.00 | $678.90 | $2036.70 | $678.90 | $678.90 | $678.90 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000221000 | 0001220000 | 2024-12-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $678.90000<br> $678.90000<br> $678.90000<br> $0.00000<br> $0.00000<br> $678.90000<br> $2036.70000<br> $678.90000<br> $678.90000<br> $678.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 0.000% | 16.700% | $282.88 | $6789.00 |
| 74396219 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $449350.00 | 7.625% | $3180.47 | $3180.47 | 2025-01-02 | 2025-01-01 | 0 | The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2025. As per the payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $3,180.47 with an interest rate of 7.625%. The current UPB reflected as per payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 29115619 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $566245.22 | 6.625% | $3632.48 | $4845.11 | 2025-02-06 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,845.11, which was applied for the due date of xx/xx/2025. The current monthly P&I is $3,632.48 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $4845.11 | $4845.11 | $4845.11 | $4845.11 | $4845.11 | $4845.11 | $4845.11 | $0.00 | $0.00 | $4845.11 | $4845.11 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00MM0000000 | 0000000MM00 | 2025-01-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4845.11000<br> $4845.11000<br> $4845.11000<br> $4845.11000<br> $4845.11000<br> $4845.11000<br> $4845.11000<br> $0.00000<br> $0.00000<br> $4845.11000<br> $4845.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 16.700% | $1816.92 | $43605.99 |
| 53793807 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $182338.62 | 5.750% | $1086.61 | $1496.71 | 2025-01-23 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,496.71 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,086.61 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | $1497.60 | $0.00 | $2993.40 | $1496.70 | $0.00 | $3073.40 | $0.00 | $1536.70 | $1536.70 | $3073.40 | $0.00 | $1536.70 | $4720.45 | $2993.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000000 | 00000000000000000000 | 2024-12-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1497.60000<br> $0.00000<br> $2993.40000<br> $1496.70000<br> $0.00000<br> $3073.40000<br> $0.00000<br> $1536.70000<br> $1536.70000<br> $3073.40000<br> $0.00000<br> $1536.70000<br> $4720.45000<br> $2993.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.100% | 0.000% | 0.000% | 42.900% | $1019.10 | $24458.47 |
| 86520903 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $145640.74 | 3.250% | $682.19 | $868.70 | 2025-02-26 | 2025-03-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $868.70 which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $682.19 and the interest rate is 3.250%. The due date has been advanced from xx/xx/2023 to xx/xx/2024 due to a forbearance adjustment. | $0.00 | $0.00 | $0.00 | $1741.78 | $0.00 | $802.95 | $802.95 | $802.95 | $1605.90 | $0.00 | $0.00 | $868.70 | $902.80 | $868.70 | $868.70 | $868.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000004000004444443211100 | 001112344444400000400000 | 2025-02-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $1741.78000<br> $0.00000<br> $802.95000<br> $802.95000<br> $802.95000<br> $1605.90000<br> $0.00000<br> $0.00000<br> $868.70000<br> $902.80000<br> $868.70000<br> $868.70000<br> $868.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.600% | 0.000% | 0.000% | 33.700% | $422.26 | $10134.13 |
| 41208254 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Utah | xx | $387780.59 | 5.250% | $2245.26 | $2412.98 | 2025-01-22 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,412.98 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $2,245.26, and the interest rate is 5.250%. The current UPB is xx. | $4825.96 | $2412.98 | $2412.98 | $0.00 | $0.00 | $2412.98 | $4825.96 | $2412.98 | $0.00 | $4825.96 | $0.00 | $4825.96 | $0.00 | $2412.98 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000010001000001 | 100000100010000000000 | 2024-12-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4825.96000<br> $2412.98000<br> $2412.98000<br> $0.00000<br> $0.00000<br> $2412.98000<br> $4825.96000<br> $2412.98000<br> $0.00000<br> $4825.96000<br> $0.00000<br> $4825.96000<br> $0.00000<br> $2412.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 0.000% | 8.300% | $1307.03 | $31368.74 |
| 70641304 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $528349.29 | 7.490% | $3716.18 | $4931.89 | 2025-01-16 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,931.89 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,716.18 with an interest rate of 7.490%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4883.85 | $4883.85 | $4883.85 | $4883.85 | $4883.85 | $4883.85 | $4883.85 | $4931.89 | $4931.89 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-01-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4883.85000<br> $4883.85000<br> $4883.85000<br> $4883.85000<br> $4883.85000<br> $4883.85000<br> $4883.85000<br> $4931.89000<br> $4931.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.200% | 0.000% | 0.000% | 24.900% | $1835.45 | $44050.73 |
| 90887377 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $440000.00 | 7.625% | $3114.29 |  | 2025-01-13 | 2025-02-01 | 0 | The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2025. As per tape data, the next due date is xx/xx/2025. The current P&I is $3,114.29, and the interest rate is 7.625%. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 59247936 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $233398.75 | 6.750% | $1524.53 | $1676.27 | 2025-01-06 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,676.27. The current monthly P&I is $1,524.53 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1676.27 | $1676.27 | $1676.27 | $3352.54 | $0.00 | $1676.27 | $1676.27 | $1676.27 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-01-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1676.27000<br> $1676.27000<br> $1676.27000<br> $3352.54000<br> $0.00000<br> $1676.27000<br> $1676.27000<br> $1676.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 0.000% | 25.000% | $558.76 | $13410.16 |
| 76594568 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $506360.00 | 6.625% | $3242.28 |  | 2025-01-21 | 2025-02-01 | 0 | The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2025. According to the latest payment history as of xx/xx/2025, the next due date is xx/xx/2025. The unpaid principal balance is xx. The current P&I is $3,242.28 and the interest rate is 6.625%.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 979963 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $232974.53 | 7.990% | $1719.78 | $2288.30 | 2025-01-09 | 2025-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received in the amount of $2,288.30, which was applied to the due date of xx/xx/2024. The current P&I is $1,719.78 with an interest rate of 7.99%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $2280.28 | $2280.28 | $2280.28 | $2280.28 | $2280.28 | $2280.28 | $0.00 | $2280.28 | $4576.60 | $2288.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0011000000 | 0000001100 | 2024-12-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2280.28000<br> $2280.28000<br> $2280.28000<br> $2280.28000<br> $2280.28000<br> $2280.28000<br> $0.00000<br> $2280.28000<br> $4576.60000<br> $2288.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.600% | 0.000% | 0.000% | 25.000% | $951.12 | $22826.86 |
| 91845125 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $327870.49 | 6.990% | $2191.95 | $2896.24 | 2025-01-17 | 2025-02-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,896.24 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,191.95 with an interest rate of 6.99%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2896.24 | $2896.24 | $2896.24 | $0.00 | $2896.24 | $2896.24 | $2896.24 | $2896.24 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-01-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2896.24000<br> $2896.24000<br> $2896.24000<br> $0.00000<br> $2896.24000<br> $2896.24000<br> $2896.24000<br> $2896.24000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 0.000% | 25.000% | $844.74 | $20273.68 |
| 69032486 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $253500.00 | 6.500% | $1611.72 |  | 2025-01-15 | 2025-01-01 | 0 | According to the payment history on the seller's tape dated xx/xx/2025, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $1,611.72. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMM | MMMMM |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 64866345 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $144603.54 | 6.500% | $919.05 | $1131.90 | 2025-01-23 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,131.90, which was applied for the due date of xx/xx/2025. The current monthly P&I is $919.05 with an interest rate of 6.50%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1131.90 | $1131.90 | $1131.90 | $1131.90 | $1131.90 | $1131.90 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-01-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1131.90000<br> $1131.90000<br> $1131.90000<br> $1131.90000<br> $1131.90000<br> $1131.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 0.000% | 25.000% | $282.98 | $6791.40 |
| 89735378 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $59757.00 | 6.250% | $375.59 | $643.03 | 2024-01-14 | 2025-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $643.03, which was applied for xx/xx/2024. The P&I is $375.59, and the interest rate is 6.25%. The current UPB is xx. The comment dated xx/xx/2024 shows that the payment received in the amount of $3,107.47 was paid by the borrower. | $594.47 | $594.47 | $594.47 | $0.00 | $0.00 | $0.00 | $0.00 | $3110.00 | $925.99 | $650.00 | $625.00 | $625.00 | $624.25 | $643.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000043210000000 | 000000012340000000 | 2024-12-19 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $594.47000<br> $594.47000<br> $594.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3110.00000<br> $925.99000<br> $650.00000<br> $625.00000<br> $625.00000<br> $624.25000<br> $643.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.200% | 0.000% | 0.000% | 16.400% | $374.45 | $8986.68 |
| 54753893 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $122569.50 | 7.750% | $886.56 | $1092.95 | 2025-02-06 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,092.95 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $886.56 with an interest rate of 7.750%. The UPB as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $2089.78 | $1044.89 | $1044.89 | $1044.89 | $1044.89 | $1044.89 | $0.00 | $1044.89 | $1044.89 | $1044.89 | $1052.39 | $1092.95 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000001 | 1000000000000 | 2025-01-24 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $2089.78000<br> $1044.89000<br> $1044.89000<br> $1044.89000<br> $1044.89000<br> $1044.89000<br> $0.00000<br> $1044.89000<br> $1044.89000<br> $1044.89000<br> $1052.39000<br> $1092.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.000% | 0.000% | 0.000% | 24.300% | $524.76 | $12594.24 |
| 9872831 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Kansas | xx | $103522.74 | 6.125% | $638.00 | $1681.34 | 2024-12-31 | 2024-04-01 | 8 | According to payment history as of xx/xx/2024, the borrower has been delinquent for 9 months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,681.34 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $638.00 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $1837.14 | $1837.14 | $0.00 | $3362.68 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 44444432101000044321000 | 00012344000010123444444 | 2024-03-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1837.14000<br> $1837.14000<br> $0.00000<br> $3362.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 17.400% | 0.000% | 0.000% | 0.000% | $293.21 | $7036.96 |
| 67319538 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Mexico | xx | $234518.00 | 6.625% | $1511.14 | $1758.57 | 2024-12-31 | 2024-04-01 | 8 | According to the payment history as of xx/xx/2024, the borrower is currently 9 months delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,758.57, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,511.14 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $1758.57 | $1758.57 | $0.00 | $1758.57 | $0.00 | $0.00 | $0.00 | $1758.57 | $0.00 | $0.00 | $0.00 | $1758.57 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M4MM444MM2211100 | 0011122MM444MM4M | 2024-11-26 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1758.57000<br> $1758.57000<br> $0.00000<br> $1758.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1758.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1758.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 8.300% | $366.37 | $8792.85 |
| 30347019 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $250161.03 | 2.750% | $1124.70 | $1689.03 | 2025-02-03 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,689.03, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,124.70 with an interest rate of 2.75%. The current UPB reflected as per the payment history is xx. | $1534.41 | $1534.41 | $1534.41 | $1534.41 | $1634.41 | $1684.41 | $1764.13 | $1764.13 | $1689.03 | $1689.03 | $1689.03 | $1689.03 | $1689.03 | $1689.03 | $1689.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-01-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1534.41000<br> $1534.41000<br> $1534.41000<br> $1534.41000<br> $1634.41000<br> $1684.41000<br> $1764.13000<br> $1764.13000<br> $1689.03000<br> $1689.03000<br> $1689.03000<br> $1689.03000<br> $1689.03000<br> $1689.03000<br> $1689.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 61.200% | 0.000% | 0.000% | 25.000% | $1033.66 | $24807.93 |
| 83276164 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $300577.29 | 6.500% | $1908.57 | $1968.15 | 2025-02-04 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,968.15 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,908.57 with an interest rate of 6.500%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1968.15 | $1968.15 | $1968.15 | $1968.15 | $1968.15 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-01-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1968.15000<br> $1968.15000<br> $1968.15000<br> $1968.15000<br> $1968.15000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 25.000% | $410.03 | $9840.75 |
| 2939142 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | $218348.69 | 7.875% | $1598.05 | $2041.27 | 2025-02-13 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,041.27, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,598.05 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $2041.27 | $2041.27 | $2041.27 | $2041.27 | $2041.27 | $2041.27 | $2041.27 | $2041.18 | $2041.18 | $2041.18 | $2041.27 | $2041.27 | $2041.27 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-01-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $2041.27000<br> $2041.27000<br> $2041.27000<br> $2041.27000<br> $2041.27000<br> $2041.27000<br> $2041.27000<br> $2041.18000<br> $2041.18000<br> $2041.18000<br> $2041.27000<br> $2041.27000<br> $2041.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 0.000% | 25.000% | $1105.68 | $26536.24 |
| 29888281 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $239135.88 | 6.990% | $1593.32 | $2081.93 | 2025-02-04 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,081.93 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,593.32 with an interest rate of 6.99%. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2081.93 | $2081.93 | $2081.93 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-02-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2081.93000<br> $2081.93000<br> $2081.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 25.000% | $260.24 | $6245.79 |
| 24326020 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $560483.92 | 6.990% | $3756.83 | $5068.99 | 2025-03-18 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,068.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,756.83 with an interest rate of 6.990%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5068.99 | $5068.99 | $5068.99 | $5068.99 | $5068.99 | $5068.99 | $5068.99 | $5068.99 | $5068.99 | $5068.99 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-03-17 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5068.99000<br> $5068.99000<br> $5068.99000<br> $5068.99000<br> $5068.99000<br> $5068.99000<br> $5068.99000<br> $5068.99000<br> $5068.99000<br> $5068.99000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 0.000% | 41.700% | $2112.08 | $50689.90 |
| 87796655 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $499192.51 | 7.250% | $3450.45 | $4929.30 | 2025-03-18 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,929.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,450.45 with an interest rate of 7.250%. The current UPB is xx. | $4747.61 | $0.00 | $4747.61 | $4747.61 | $14235.64 | $0.00 | $0.00 | $4747.60 | $4747.60 | $4747.60 | $4747.60 | $4747.60 | $4747.60 | $4747.60 | $4747.60 | $4929.30 | $4929.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4747.61000<br> $0.00000<br> $4747.61000<br> $4747.61000<br> $14235.64000<br> $0.00000<br> $0.00000<br> $4747.60000<br> $4747.60000<br> $4747.60000<br> $4747.60000<br> $4747.60000<br> $4747.60000<br> $4747.60000<br> $4747.60000<br> $4929.30000<br> $4929.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 64.500% | 0.000% | 0.000% | 40.700% | $3179.91 | $76317.87 |
| 72399250 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $366877.84 | 7.625% | $2622.38 | $3365.84 | 2025-01-31 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,365.84, which was applied for the due date of xx/xx/2025. The current P&I is $2,622.38 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $3291.94 | $3291.94 | $3291.94 | $3291.94 | $3291.94 | $0.00 | $3291.94 | $3291.94 | $3291.94 | $6583.88 | $0.00 | $3291.94 | $3365.84 | $3365.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-01-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $3291.94000<br> $3291.94000<br> $3291.94000<br> $3291.94000<br> $3291.94000<br> $0.00000<br> $3291.94000<br> $3291.94000<br> $3291.94000<br> $6583.88000<br> $0.00000<br> $3291.94000<br> $3365.84000<br> $3365.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.200% | 0.000% | 0.000% | 24.800% | $1789.29 | $42943.02 |
| 67650614 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $501397.34 | 7.625% | $3567.28 | $4185.30 | 2025-01-31 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,185.30, which was applied for the due date of xx/xx/2025. The current monthly P&I is $3,567.28 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8370.60 | $0.00 | $4185.30 | $4185.30 | $4185.30 | $4185.30 | $4185.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-01-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8370.60000<br> $0.00000<br> $4185.30000<br> $4185.30000<br> $4185.30000<br> $4185.30000<br> $4185.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 0.000% | 25.000% | $1220.71 | $29297.10 |
| 20470637 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $336014.15 | 7.625% | $2383.50 | $2653.48 | 2025-02-13 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,653.48 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,383.50 with an interest rate of 7.625%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2653.48 | $0.00 | $2653.48 | $2653.48 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-02-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2653.48000<br> $0.00000<br> $2653.48000<br> $2653.48000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 25.000% | $331.69 | $7960.44 |
| 34495642 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $562087.02 | 6.625% | $3608.71 | $4386.29 | 2025-02-07 | 2025-03-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,386.29, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $3,608.71, and the interest rate is 6.625%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4386.29 | $4386.29 | $4386.29 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4386.29000<br> $4386.29000<br> $4386.29000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 25.000% | $548.29 | $13158.87 |
| 45738889 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $464733.13 | 6.990% | $3093.86 | $4146.49 | 2025-02-01 | 2025-03-01 | 0 | As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,146.49, which was applied for the due date of xx/xx/2025. The current P&I is $3,093.86 with an interest rate of 6.990%. The current UPB reflected as per the payment history tape is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4146.49 | $4146.49 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-02-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4146.49000<br> $4146.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $345.54 | $8292.98 |
| 80397909 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $220157.56 | 9.125% | $1800.16 | $2380.77 | 2025-01-17 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,380.77 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $1,800.16 with an interest rate of 9.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2380.77 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $14284.62 | $2380.77 | $2380.77 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000443210 | 012344000 | 2025-01-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2380.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $14284.62000<br> $2380.77000<br> $2380.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 66.700% | $892.79 | $21426.93 |
| 89202876 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $279373.65 | 5.937% | $1533.73 | $2240.91 | 2025-03-26 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx25. The last payment was received on xx/xx/2025 in the amount of $2,240.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,533.73 with an interest rate of 5.937%. The current UPB is xx, and the deferred balance is xx. | $0.00 | $0.00 | $0.00 | $2471.54 | $2452.05 | $0.00 | $4461.66 | $0.00 | $2240.91 | $2240.91 | $2240.91 | $2240.91 | $2240.91 | $2240.91 | $2240.91 | $2240.91 | $2240.91 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000004444444321010 | 010123444444400000000000 | 2025-03-21 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $2471.54000<br> $2452.05000<br> $0.00000<br> $4461.66000<br> $0.00000<br> $2240.91000<br> $2240.91000<br> $2240.91000<br> $2240.91000<br> $2240.91000<br> $2240.91000<br> $2240.91000<br> $2240.91000<br> $2240.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 55.000% | 0.000% | 0.000% | 41.700% | $1231.39 | $29553.44 |
| 20161434 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $236621.90 | 4.000% | $1258.82 | $1680.13 | 2025-01-06 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,680.13 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,258.82 with an interest rate of 4.000%. The current UPB reflected as per the payment history is xx. | $1621.35 | $1621.35 | $1626.03 | $1626.03 | $1626.03 | $1626.03 | $1626.03 | $1626.03 | $1680.13 | $1680.13 | $1680.13 | $1680.13 | $1680.13 | $1680.13 | $1680.13 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-01-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1621.35000<br> $1621.35000<br> $1626.03000<br> $1626.03000<br> $1626.03000<br> $1626.03000<br> $1626.03000<br> $1626.03000<br> $1680.13000<br> $1680.13000<br> $1680.13000<br> $1680.13000<br> $1680.13000<br> $1680.13000<br> $1680.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 61.400% | 0.000% | 0.000% | 25.000% | $1031.66 | $24759.79 |
| 13844752 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $242526.16 | 5.937% | $1482.21 | $1860.44 | 2025-01-21 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,860.44 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,482.21, and the interest rate is 5.937%. The current UPB is xx. As per the PH, there is a deferred balance in the amount of $5,982.84. | $1867.85 | $1867.85 | $0.00 | $0.00 | $0.00 | $1066.96 | $1858.93 | $1858.93 | $1858.93 | $1858.93 | $1858.93 | $1858.93 | $1858.93 | $1858.93 | $1860.44 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000444400000000000 | 000000000004444000000000 | 2025-01-17 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1867.85000<br> $1867.85000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1066.96000<br> $1858.93000<br> $1858.93000<br> $1858.93000<br> $1858.93000<br> $1858.93000<br> $1858.93000<br> $1858.93000<br> $1858.93000<br> $1860.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.200% | 0.000% | 0.000% | 25.000% | $897.27 | $21534.54 |
| 63770822 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | $339112.86 | 6.750% | $2205.21 | $2703.58 | 2025-02-25 | 2025-03-01 | 0 | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,703.58, which was applied for the due date of xx/xx/2025. The current P&I is $2,205.21 with an interest rate of 6.750%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2703.58 | $2703.58 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00M | M00 | 2025-02-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2703.58000<br> $2703.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $225.30 | $5407.16 |
| 44952876 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | $437186.97 | 7.500% | $3080.39 | $3797.55 | 2025-02-14 | 2025-03-01 | 0 | According to the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,797.55 (PITI), which applied for the due date of xx/xx/2025. The current P&I is $3,080.39 with an interest rate of 7.50%. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3797.55 | $3797.55 | $3797.55 | $3797.55 | $3797.55 | $3797.55 | $3797.55 | $3797.55 | $3797.55 | $3797.55 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-02-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3797.55000<br> $3797.55000<br> $3797.55000<br> $3797.55000<br> $3797.55000<br> $3797.55000<br> $3797.55000<br> $3797.55000<br> $3797.55000<br> $3797.55000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 0.000% | 33.300% | $1582.31 | $37975.50 |
| 20227256 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $189640.55 | 7.000% | $1272.39 | $1698.31 | 2025-03-25 | 2025-04-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,698.31 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,272.39 with an interest rate of 7.00%. The UPB reflected in the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1698.31 | $1698.31 | $1698.31 | $1698.31 | $1698.31 | $1698.31 | $1698.31 | $1698.31 | $1698.31 | $1698.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1698.31000<br> $1698.31000<br> $1698.31000<br> $1698.31000<br> $1698.31000<br> $1698.31000<br> $1698.31000<br> $1698.31000<br> $1698.31000<br> $1698.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 0.000% | 41.700% | $707.63 | $16983.10 |
| 58315345 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $174652.75 | 7.125% | $1187.43 | $1605.25 | 2025-04-08 | 2025-05-01 | 0 | As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $1,605.25 with an interest rate of 7.125%, which was applied to the due date for xx/xx/2025. The current P&I is $1,187.43 and the rate of interest is 7.125%. The current UPB is reflected in the amount of xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1605.25 | $1605.25 | $1605.25 | $1605.25 | $1605.25 | $1605.25 | $1605.25 | $1605.25 | $1605.25 | $1605.25 | $1605.25 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-04-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1605.25000<br> $1605.25000<br> $1605.25000<br> $1605.25000<br> $1605.25000<br> $1605.25000<br> $1605.25000<br> $1605.25000<br> $1605.25000<br> $1605.25000<br> $1605.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 0.000% | 50.000% | $735.74 | $17657.75 |
| 94178458 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $162865.06 | 6.990% | $1091.66 | $1480.83 | 2025-03-25 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,480.83, which was applied on xx/xx/2025. The current P&I is $1,091.66 with an interest rate of 6.99%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1480.83 | $1480.83 | $1480.83 | $1480.83 | $1480.83 | $1480.83 | $1480.83 | $1480.83 | $1480.83 | $1480.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1480.83000<br> $1480.83000<br> $1480.83000<br> $1480.83000<br> $1480.83000<br> $1480.83000<br> $1480.83000<br> $1480.83000<br> $1480.83000<br> $1480.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 0.000% | 41.700% | $617.01 | $14808.30 |
| 17613596 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $209761.67 | 7.625% | $1496.98 | $1994.39 | 2025-04-08 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,994.39 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,496.98 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1994.39 | $1994.39 | $1994.39 | $1994.39 | $1994.39 | $1994.39 | $1994.39 | $1994.39 | $1994.39 | $1994.39 | $1994.39 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1994.39000<br> $1994.39000<br> $1994.39000<br> $1994.39000<br> $1994.39000<br> $1994.39000<br> $1994.39000<br> $1994.39000<br> $1994.39000<br> $1994.39000<br> $1994.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 0.000% | 50.000% | $914.10 | $21938.29 |
| 3892009 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $188930.56 | 7.490% | $1781.25 | $2343.04 | 2025-04-08 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,343.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,781.25 with an interest rate of 7.490%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2418.04 | $2418.04 | $2418.04 | $2418.04 | $2393.04 | $2393.04 | $2418.04 | $2418.04 | $2418.04 | $2418.04 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2418.04000<br> $2418.04000<br> $2418.04000<br> $2418.04000<br> $2393.04000<br> $2393.04000<br> $2418.04000<br> $2418.04000<br> $2418.04000<br> $2418.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 42.900% | 0.000% | 0.000% | 51.400% | $1005.43 | $24130.40 |
| 80776836 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $167178.51 | 7.000% | $1157.63 | $1699.68 | 2025-04-08 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,699.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,157.63 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1699.68 | $0.00 | $1999.68 | $1999.68 | $1999.68 | $1999.68 | $1999.68 | $4999.68 | $2500.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1699.68000<br> $0.00000<br> $1999.68000<br> $1999.68000<br> $1999.68000<br> $1999.68000<br> $1999.68000<br> $4999.68000<br> $2500.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 47.100% | 0.000% | 0.000% | 76.000% | $799.91 | $19197.76 |
| 85473183 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $222785.23 | 7.125% | $1510.81 | $2009.21 | 2025-04-08 | 2025-05-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,009.21 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,510.81, and the interest rate is 7.125%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2009.21 | $2009.21 | $2009.21 | $2009.21 | $2009.21 | $2009.21 | $2009.21 | $2009.21 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-04-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2009.21000<br> $2009.21000<br> $2009.21000<br> $2009.21000<br> $2009.21000<br> $2009.21000<br> $2009.21000<br> $2009.21000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 0.000% | 50.000% | $669.74 | $16073.68 |
| 40414106 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $241070.29 | 7.125% | $1632.08 | $2218.56 | 2025-02-26 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,218.56 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,632.08 with an interest rate of 7.125%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2218.56 | $2218.56 | $2218.56 | $2218.56 | $2218.56 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-02-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2218.56000<br> $2218.56000<br> $2218.56000<br> $2218.56000<br> $2218.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 33.300% | $462.20 | $11092.80 |
| 56901931 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $189443.16 | 6.130% | $1154.46 | $1708.27 | 2025-02-20 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,708.27 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,154.46 with an interest rate of 6.130%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1708.27 | $1708.27 | $0.00 | $1708.27 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-02-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1708.27000<br> $1708.27000<br> $0.00000<br> $1708.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 25.000% | $213.53 | $5124.81 |
| 90904264 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $436119.17 | 6.625% | $2818.01 | $3305.18 | 2025-02-20 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,305.18, which was applied for the due date of xx/xx/2025. The current P&I is $2,818.01 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3305.18 | $3305.18 | $3305.18 | $3305.18 | $3305.18 | $3305.18 | $3305.18 | $3305.18 | $3305.18 | $3305.18 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-02-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3305.18000<br> $3305.18000<br> $3305.18000<br> $3305.18000<br> $3305.18000<br> $3305.18000<br> $3305.18000<br> $3305.18000<br> $3305.18000<br> $3305.18000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 0.000% | 33.300% | $1377.16 | $33051.80 |
| 30333759 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $377566.79 | 6.375% | $2429.97 | $3405.16 | 2025-03-06 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,405.16, which was applied for the due date of xx/xx/2025. The current P&I is $2,429.97 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | $3746.51 | $3446.51 | $3446.51 | $3471.13 | $3471.13 | $6942.26 | $3471.13 | $3471.13 | $3471.13 | $3471.13 | $3471.13 | $0.00 | $3471.13 | $3471.13 | $3471.13 | $3405.16 | $3405.16 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3746.51000<br> $3446.51000<br> $3446.51000<br> $3471.13000<br> $3471.13000<br> $6942.26000<br> $3471.13000<br> $3471.13000<br> $3471.13000<br> $3471.13000<br> $3471.13000<br> $0.00000<br> $3471.13000<br> $3471.13000<br> $3471.13000<br> $3405.16000<br> $3405.16000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.300% | 0.000% | 0.000% | 42.200% | $2462.64 | $59103.41 |
| 42418865 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $158951.13 | 5.625% | $943.93 | $1417.30 | 2025-03-13 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,417.30, which was applied for the due date of xx/xx/2025. The current P&I is $943.93 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1490.72 | $0.00 | $1490.72 | $1490.72 | $1490.72 | $1490.72 | $1417.30 | $4247.83 | $1417.30 | $1417.30 | $1500.00 | $1500.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-03-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1490.72000<br> $0.00000<br> $1490.72000<br> $1490.72000<br> $1490.72000<br> $1490.72000<br> $1417.30000<br> $4247.83000<br> $1417.30000<br> $1417.30000<br> $1500.00000<br> $1500.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 55.700% | 0.000% | 0.000% | 59.300% | $789.72 | $18953.33 |
| 35388201 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $657545.29 | 6.625% | $4221.57 | $5526.94 | 2025-02-05 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,526.94 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,221.57 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5526.94 | $5526.94 | $5526.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 111 | 111 | 2025-02-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5526.94000<br> $5526.94000<br> $5526.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 25.000% | $690.87 | $16580.82 |
| 98150393 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $236540.78 | 5.625% | $1369.05 | $1680.95 | 2025-02-21 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,680.95 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $1,369.05 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1680.95 | $1680.95 | $1680.95 | $1680.95 | $1680.95 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-02-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1680.95000<br> $1680.95000<br> $1680.95000<br> $1680.95000<br> $1680.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 33.300% | $350.20 | $8404.75 |
| 45861332 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $151091.65 | 6.750% | $981.67 | $1550.97 | 2025-02-27 | 2025-03-01 | 0 | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $1,550.97, which was applied to the due date of xx/xx/2025. The current P&I is $981.67 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1550.97 | $1550.97 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-02-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1550.97000<br> $1550.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $129.25 | $3101.94 |
| 72635247 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $141702.08 | 7.125% | $966.11 | $992.94 | 2025-02-27 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $992.94 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $966.11 with an interest rate of 7.12500%. The current UPB is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $992.11 | $1491.05 | $0.00 | $1491.05 | $992.11 | $966.11 | $0.00 | $992.11 | $992.94 | $1985.88 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000M0000 | 0000M00000 | 2025-01-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $992.11000<br> $1491.05000<br> $0.00000<br> $1491.05000<br> $992.11000<br> $966.11000<br> $0.00000<br> $992.11000<br> $992.94000<br> $1985.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.600% | 0.000% | 0.000% | 33.300% | $412.64 | $9903.36 |
| 19836704 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $422011.58 | 5.750% | $2470.26 | $2799.28 | 2025-02-27 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $2,799.28, which was applied to the due date of xx/xx/2025. The current P&I is $2,470.26 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3000.00 | $3000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-02-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3000.00000<br> $3000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.900% | 0.000% | 0.000% | 17.900% | $250.00 | $6000.00 |
| 93225547 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $173775.55 | 2.350% | $561.14 | $1319.60 | 2025-02-27 | 2025-05-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2025, which was applied for the due date of xx/xx/2025 and the next due date for payment is xx/xx/2025. The P&I is $561.14 and PITI is $1,319.60. The UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1740.11 | $1740.11 | $0.00 | $1030.16 | $2386.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 004444444444443210000044 | 440000012344444444444400 | 2025-02-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1740.11000<br> $1740.11000<br> $0.00000<br> $1030.16000<br> $2386.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 21.800% | 0.000% | 0.000% | 32.600% | $287.37 | $6896.98 |
| 1242380 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $179356.06 | 7.125% | $1212.69 | $1795.26 | 2025-02-27 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2025, which was applied for the due date of xx/xx/2025 and the next due date for payment is xx/xx/2025. The P&I is $1,212.69 and PITI is $1,795.26. The UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2295.26 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-01-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2295.26000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 5.300% | 0.000% | 0.000% | 10.700% | $95.64 | $2295.26 |
| 7478239 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Hampshire | xx | $303582.33 | 6.990% | $2033.77 | $2601.00 | 2025-03-21 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2025, which was applied for the due date of xx/xx/2025 and the next due date for payment is xx/xx/2025. The P&I is $2,033.77 and PITI is $2,601.00. The UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2601.00 | $2601.00 | $2601.00 | $2601.00 | $2601.00 | $2601.00 | $2601.00 | $2601.00 | $2601.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-02-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2601.00000<br> $2601.00000<br> $2601.00000<br> $2601.00000<br> $2601.00000<br> $2601.00000<br> $2601.00000<br> $2601.00000<br> $2601.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 33.300% | $975.38 | $23409.00 |
| 85884767 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $386545.39 | 8.125% | $2895.74 | $3317.86 | 2025-02-24 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,317.86 (PITI), which was applied on xx/xx/2025. The current P&I is $2,895.74, and the interest rate is 8.125%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $3213.59 | $3213.59 | $3213.59 | $3317.86 | $3317.86 | $3317.86 | $3317.86 | $3317.86 | $3317.86 | $3317.86 | $3317.86 | $3317.86 | $3317.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-02-17 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $3213.59000<br> $3213.59000<br> $3213.59000<br> $3317.86000<br> $3317.86000<br> $3317.86000<br> $3317.86000<br> $3317.86000<br> $3317.86000<br> $3317.86000<br> $3317.86000<br> $3317.86000<br> $3317.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.800% | 0.000% | 0.000% | 33.300% | $1784.14 | $42819.37 |
| 31780887 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | $126343.45 | 6.750% | $820.88 | $1247.15 | 2025-03-13 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,247.15, which was applied for the due date of xx/xx/2025. The current monthly P&I is $820.88 with an interest rate of 6.75%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1247.15 | $1247.15 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-03-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1247.15000<br> $1247.15000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $103.93 | $2494.30 |
| 4492226 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Oregon | xx | $430661.23 | 6.625% | $2838.65 | $3370.73 | 2025-03-03 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,370.73 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,838.65 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $3275.23 | $0.00 | $3275.23 | $3635.75 | $7271.50 | $3635.75 | $3700.75 | $3700.75 | $3635.75 | $3700.75 | $3700.75 | $3700.00 | $3700.00 | $3635.75 | $3370.73 | $3400.73 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000111000000000 | 000000000111000000000000 | 2025-02-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3275.23000<br> $0.00000<br> $3275.23000<br> $3635.75000<br> $7271.50000<br> $3635.75000<br> $3700.75000<br> $3700.75000<br> $3635.75000<br> $3700.75000<br> $3700.75000<br> $3700.00000<br> $3700.00000<br> $3635.75000<br> $3370.73000<br> $3400.73000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.900% | 0.000% | 0.000% | 34.900% | $2389.14 | $57339.42 |
| 42104064 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Wisconsin | xx | $13437.49 | 6.500% | $170.32 | $170.32 | 2025-03-24 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $170.32, which was applied for the due date of xx/xx/2025. The current monthly P&I is $170.32 with an interest rate of 6.50%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $175.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $175.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.500% | 0.000% | 0.000% | 42.800% | $116.67 | $2800.00 |
| 44103608 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $259434.50 | 7.125% | $1792.09 | $1792.09 | 2025-02-21 | 2025-02-01 | 0 | As per the review of seller's tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,792.09 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,792.09 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $1800.00 | $1800.00 | $1947.56 | $2000.00 | $2000.00 | $1792.09 | $1800.00 | $1873.78 | $1881.69 | $1881.69 | $3673.78 | $0.00 | $1792.09 | $3584.18 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000001100000 | 000001100000000000000000 | 2024-12-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1800.00000<br> $1800.00000<br> $1947.56000<br> $2000.00000<br> $2000.00000<br> $1792.09000<br> $1800.00000<br> $1873.78000<br> $1881.69000<br> $1881.69000<br> $3673.78000<br> $0.00000<br> $1792.09000<br> $3584.18000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 64.700% | 0.000% | 0.000% | 25.000% | $1159.45 | $27826.86 |
| 15325847 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Minnesota | xx | $287129.39 | 4.000% | $1216.37 | $1763.83 | 2025-02-25 | 2025-03-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,763.83, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $1,216.37, and the interest rate is 4.000%.<br>| $2005.33 | $0.00 | $3735.20 | $3611.14 | $0.00 | $1805.57 | $1805.57 | $1805.57 | $3611.14 | $0.00 | $1763.83 | $3527.66 | $0.00 | $1763.83 | $1763.83 | $1763.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000001444444444 | 444444444100000000000000 | 2025-02-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2005.33000<br> $0.00000<br> $3735.20000<br> $3611.14000<br> $0.00000<br> $1805.57000<br> $1805.57000<br> $1805.57000<br> $3611.14000<br> $0.00000<br> $1763.83000<br> $3527.66000<br> $0.00000<br> $1763.83000<br> $1763.83000<br> $1763.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.400% | 0.000% | 0.000% | 25.000% | $1206.77 | $28962.50 |
| 81846725 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | $211881.71 | 7.500% | $1497.72 | $2051.98 | 2025-03-10 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,051.98, which was applied on xx/xx/2025. The current P&I is $1,497.72 with an interest rate of 7.50%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $1964.13 | $1964.13 | $1964.13 | $1964.13 | $1964.13 | $1964.13 | $1964.13 | $1964.13 | $1980.34 | $1980.34 | $1980.34 | $2051.98 | $2051.98 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000M | M0000000000000 | 2025-03-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1964.13000<br> $1964.13000<br> $1964.13000<br> $1964.13000<br> $1964.13000<br> $1964.13000<br> $1964.13000<br> $1964.13000<br> $1980.34000<br> $1980.34000<br> $1980.34000<br> $2051.98000<br> $2051.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 52.300% | 0.000% | 0.000% | 40.800% | $1073.25 | $25758.02 |
| 87066932 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $514737.46 | 3.625% | $2500.30 | $3921.11 | 2025-03-10 | 2025-03-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,921.11, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $2,500.30, and the interest rate is 3.625%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $17125.59 | $15018.80 | $0.00 | $3879.72 | $3879.72 | $0.00 | $11763.33 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 021110344432144443212132 | 231212344441234443011120 | 2025-02-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $17125.59000<br> $15018.80000<br> $0.00000<br> $3879.72000<br> $3879.72000<br> $0.00000<br> $11763.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.900% | 0.000% | 0.000% | 41.500% | $2152.80 | $51667.16 |
| 79570821 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $468299.26 | 6.624% | $3031.35 | $3755.57 | 2025-03-12 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,755.57, which was applied for the due date of xx/xx/2025. The current monthly P&I is $3,031.35 with an interest rate of 6.624%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3651.73 | $3651.73 | $3651.73 | $3651.73 | $3651.73 | $3651.73 | $3651.73 | $3651.73 | $3651.73 | $3651.73 | $3755.57 | $3755.57 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3651.73000<br> $3651.73000<br> $3651.73000<br> $3651.73000<br> $3651.73000<br> $3651.73000<br> $3651.73000<br> $3651.73000<br> $3651.73000<br> $3651.73000<br> $3755.57000<br> $3755.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.800% | 0.000% | 0.000% | 41.000% | $1834.52 | $44028.44 |
| 41334581 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $205120.36 | 6.625% | $1339.06 | $1546.61 | 2025-03-13 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,546.61 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,339.06 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5143.40 | $0.00 | $1546.61 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-03-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5143.40000<br> $0.00000<br> $1546.61000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 18.000% | 0.000% | 0.000% | 36.000% | $278.75 | $6690.01 |
| 66379612 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $191364.36 | 8.250% | $1446.19 | $1446.19 | 2025-03-07 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,446.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,446.19 with an interest rate of 8.25%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4338.57 | $1446.19 | $1446.19 | $1446.19 | $1446.19 | $1446.19 | $1446.19 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000021 | 120000000 | 2025-03-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4338.57000<br> $1446.19000<br> $1446.19000<br> $1446.19000<br> $1446.19000<br> $1446.19000<br> $1446.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 41.700% | $542.32 | $13015.71 |
| 80526506 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $387829.99 | 6.500% | $2528.27 | $2528.27 | 2025-03-10 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,528.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,528.27 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. As per the comment dated xx/xx/2024, the borrower has been made the payment. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $42980.59 | $2528.27 | $2528.27 | $2528.27 | $2528.27 | $2528.27 | $2528.27 | $2528.27 | $2528.27 | $2528.27 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000044444444444443 | 344444444444440000000000 | 2025-03-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $42980.59000<br> $2528.27000<br> $2528.27000<br> $2528.27000<br> $2528.27000<br> $2528.27000<br> $2528.27000<br> $2528.27000<br> $2528.27000<br> $2528.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 108.300% | 0.000% | 0.000% | 41.700% | $2738.96 | $65735.02 |
| 15490519 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $314493.87 | 6.820% | $1923.18 | $2474.18 | 2025-03-06 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,474.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,923.18 with an interest rate of 6.82%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2901.23 | $25.00 | $2462.23 | $0.00 | $0.00 | $10399.62 | $2466.54 | $2466.54 | $0.00 | $2474.18 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000002104444321 | 123444401200000 | 2025-03-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2901.23000<br> $25.00000<br> $2462.23000<br> $0.00000<br> $0.00000<br> $10399.62000<br> $2466.54000<br> $2466.54000<br> $0.00000<br> $2474.18000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 39.100% | 0.000% | 0.000% | 60.000% | $966.47 | $23195.34 |
| 42065190 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $262662.81 | 8.500% | $2058.11 | $3516.70 | 2025-02-28 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,516.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,058.11 with an interest rate of 8.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $4599.70 | $2299.85 | $2299.85 | $2299.85 | $2909.60 | $5819.20 | $2909.60 | $2909.60 | $2909.60 | $2964.11 | $2964.11 | $2964.11 | $0.00 | $5928.22 | $3516.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000010000000 | 000000010000000000000000 | 2025-02-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $4599.70000<br> $2299.85000<br> $2299.85000<br> $2299.85000<br> $2909.60000<br> $5819.20000<br> $2909.60000<br> $2909.60000<br> $2909.60000<br> $2964.11000<br> $2964.11000<br> $2964.11000<br> $0.00000<br> $5928.22000<br> $3516.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 56.000% | 0.000% | 0.000% | 29.400% | $1970.59 | $47294.10 |
| 70895249 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | $48424.26 | 7.625% | $345.05 | $392.75 | 2025-03-05 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $392.75 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $345.05 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1571.00 | $392.75 | $392.75 | $392.75 | $392.75 | $392.75 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000321 | 123000000 | 2025-03-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1571.00000<br> $392.75000<br> $392.75000<br> $392.75000<br> $392.75000<br> $392.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 41.700% | $147.28 | $3534.75 |
| 76765761 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Kentucky | xx | $411411.24 | 10.125% | $3658.14 | $4311.08 | 2025-03-04 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,311.08(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,658.14 with an interest rate of 10.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4311.08 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 004321 | 123400 | 2025-02-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4311.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $179.63 | $4311.08 |
| 35642927 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | $989081.71 | 7.625% | $7077.94 | $8908.74 | 2025-02-28 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,908.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $7,077.94 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $16882.04 | $8441.02 | $8441.02 | $8441.02 | $8440.94 | $8440.94 | $8440.94 | $8440.94 | $8440.94 | $8440.94 | $8440.94 | $8908.74 | $8908.74 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000001 | 10000000000000 | 2025-02-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $16882.04000<br> $8441.02000<br> $8441.02000<br> $8441.02000<br> $8440.94000<br> $8440.94000<br> $8440.94000<br> $8440.94000<br> $8440.94000<br> $8440.94000<br> $8440.94000<br> $8908.74000<br> $8908.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 55.700% | 0.000% | 0.000% | 32.500% | $4962.88 | $119109.16 |
| 13606535 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $132602.62 | 7.750% | $962.14 | $1191.95 | 2025-03-12 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,191.95 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $962.14 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $2303.50 | $1151.75 | $1151.75 | $1151.75 | $1151.75 | $1151.75 | $1151.75 | $1151.75 | $1151.75 | $1151.75 | $1151.75 | $1191.95 | $0.00 | $2383.90 | $1240.06 | $1191.95 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00010000000000001 | 10000000000001000 | 2025-03-12 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $2303.50000<br> $1151.75000<br> $1151.75000<br> $1151.75000<br> $1151.75000<br> $1151.75000<br> $1151.75000<br> $1151.75000<br> $1151.75000<br> $1151.75000<br> $1151.75000<br> $1191.95000<br> $0.00000<br> $2383.90000<br> $1240.06000<br> $1191.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.300% | 0.000% | 0.000% | 42.000% | $826.20 | $19828.86 |
| 48044661 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Missouri | xx | $342040.76 | 6.625% | $2302.22 | $2992.37 | 2025-02-28 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,992.37 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,302.22 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $3429.56 | $0.00 | $0.00 | $5459.12 | $2959.78 | $9595.10 | $2992.37 | $2992.37 | $2992.37 | $2992.37 | $2992.37 | $2992.37 | $3492.37 | $3492.38 | $3492.38 | $3492.38 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000001121000000000 | 000000000121100000000000 | 2025-02-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3429.56000<br> $0.00000<br> $0.00000<br> $5459.12000<br> $2959.78000<br> $9595.10000<br> $2992.37000<br> $2992.37000<br> $2992.37000<br> $2992.37000<br> $2992.37000<br> $2992.37000<br> $3492.37000<br> $3492.38000<br> $3492.38000<br> $3492.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.300% | 0.000% | 0.000% | 38.900% | $2223.64 | $53367.29 |
| 72784459 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $276961.99 | 7.000% | $1862.85 | $2238.18 | 2025-03-04 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,238.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,862.85 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2008.66 | $2008.66 | $0.00 | $2383.46 | $4766.92 | $2383.46 | $2383.46 | $2238.18 | $2368.58 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000001100 | 001100000 | 2025-03-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2008.66000<br> $2008.66000<br> $0.00000<br> $2383.46000<br> $4766.92000<br> $2383.46000<br> $2383.46000<br> $2238.18000<br> $2368.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 38.200% | 0.000% | 0.000% | 52.600% | $855.89 | $20541.38 |
| 55162702 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $112429.06 | 8.500% | $879.64 | $1293.96 | 2025-03-07 | 2025-02-01 | 1 | According to the payment history as of xx/xx/2025, the borrower has been delinquent for xx , and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,293.96 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $879.64 with an interest rate of 8.500%. The current UPB reflected as per the payment history is xx. | $879.64 | $879.64 | $1759.28 | $0.00 | $1282.33 | $1282.33 | $0.00 | $1293.96 | $0.00 | $2587.92 | $1293.96 | $1293.96 | $1293.96 | $2587.92 | $1293.96 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 100111112100000000000000 | 000000000000001211111001 | 2025-01-17 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $879.64000<br> $879.64000<br> $1759.28000<br> $0.00000<br> $1282.33000<br> $1282.33000<br> $0.00000<br> $1293.96000<br> $0.00000<br> $2587.92000<br> $1293.96000<br> $1293.96000<br> $1293.96000<br> $2587.92000<br> $1293.96000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 57.100% | 0.000% | 0.000% | 33.300% | $738.70 | $17728.86 |
| 7786582 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | New Mexico | xx | $202669.39 | 9.750% | $1746.23 | $2098.12 | 2025-03-09 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,098.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,746.23 with an interest rate of 9.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4196.24 | $2098.12 | $2098.12 | $2098.12 | $2098.12 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000001 | 100000 | 2025-03-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4196.24000<br> $2098.12000<br> $2098.12000<br> $2098.12000<br> $2098.12000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 0.000% | 50.000% | $524.53 | $12588.72 |
| 38777601 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $225091.42 | 9.375% | $1915.05 | $1915.05 | 2025-03-13 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,915.05, which was applied for the due date of xx/xx/2025. The current P&I is $1,915.05 with an interest rate of 9.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $1441.14 | $1441.14 | $1441.14 | $1441.14 | $1441.14 | $0.00 | $3505.06 | $1752.53 | $1752.53 | $3505.06 | $1915.05 | $0.00 | $1915.05 | $1915.05 | $3830.10 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000001000000 | 00000010000000000 | 2025-02-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1441.14000<br> $1441.14000<br> $1441.14000<br> $1441.14000<br> $1441.14000<br> $0.00000<br> $3505.06000<br> $1752.53000<br> $1752.53000<br> $3505.06000<br> $1915.05000<br> $0.00000<br> $1915.05000<br> $1915.05000<br> $3830.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 59.400% | 0.000% | 0.000% | 33.300% | $1137.34 | $27296.13 |
| 50525329 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $263225.76 | 10.375% | $2390.27 | $3037.34 | 2025-03-04 | 2025-02-01 | 1 | According to payment history as of xx/xx/2025, the borrower has been delinquent for xx , and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,037.34 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,390.27 with an interest rate of 10.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3037.34 | $0.00 | $6074.68 | $0.00 | $6074.68 | $3037.34 | $3037.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10001010 | 01010001 | 2025-01-17 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3037.34000<br> $0.00000<br> $6074.68000<br> $0.00000<br> $6074.68000<br> $3037.34000<br> $3037.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 0.000% | 33.300% | $885.89 | $21261.38 |
| 13460206 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $728246.66 | 9.125% | $6020.88 | $7129.75 | 2025-02-28 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,129.75 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,020.88 with an interest rate of 9.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $21107.46 | $7060.44 | $7060.44 | $7060.44 | $7060.44 | $7060.44 | $7060.44 | $7129.75 | $7129.75 | $7129.75 | $7129.75 | $0.00 | $14259.50 | $7129.75 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 001000000000002100000000 | 000000001200000000000100 | 2025-02-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $21107.46000<br> $7060.44000<br> $7060.44000<br> $7060.44000<br> $7060.44000<br> $7060.44000<br> $7060.44000<br> $7129.75000<br> $7129.75000<br> $7129.75000<br> $7129.75000<br> $0.00000<br> $14259.50000<br> $7129.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.300% | 0.000% | 0.000% | 33.300% | $4724.10 | $113378.35 |
| 68950451 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $192473.53 | 5.500% | $1135.58 | $1647.80 | 2025-02-28 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,647.80 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,135.58 with an interest rate of 5.500%. The current UPB reflected as per the payment history is xx. | $2259.61 | $2259.61 | $0.00 | $4519.22 | $2259.61 | $2259.61 | $1628.96 | $1647.80 | $1647.80 | $1647.80 | $3295.60 | $0.00 | $1647.80 | $1647.80 | $1647.80 | $1647.80 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000010000001001 | 100100000010000000000000 | 2025-02-19 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2259.61000<br> $2259.61000<br> $0.00000<br> $4519.22000<br> $2259.61000<br> $2259.61000<br> $1628.96000<br> $1647.80000<br> $1647.80000<br> $1647.80000<br> $3295.60000<br> $0.00000<br> $1647.80000<br> $1647.80000<br> $1647.80000<br> $1647.80000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.900% | 0.000% | 0.000% | 33.300% | $1250.70 | $30016.82 |
| 62039033 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $356971.08 | 8.125% | $2702.68 | $3915.01 | 2025-03-04 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,915.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,702.68 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | $2959.94 | $2959.95 | $2959.95 | $2959.95 | $2959.95 | $2959.95 | $0.00 | $3843.73 | $3915.01 | $3915.01 | $3915.01 | $7830.02 | $3915.01 | $3915.01 | $7830.02 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000111110000000000000 | 000000000000011111000000 | 2025-01-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2959.94000<br> $2959.95000<br> $2959.95000<br> $2959.95000<br> $2959.95000<br> $2959.95000<br> $0.00000<br> $3843.73000<br> $3915.01000<br> $3915.01000<br> $3915.01000<br> $7830.02000<br> $3915.01000<br> $3915.01000<br> $7830.02000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 60.500% | 0.000% | 0.000% | 33.300% | $2368.27 | $56838.51 |
| 52837569 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | Idaho | xx | $333243.42 | 7.875% | $2287.24 | $2823.14 | 2025-02-28 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,823.14 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,287.24 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $2880.39 | $2880.39 | $5760.78 | $2880.39 | $0.00 | $0.00 | $0.00 | $0.00 | $2963.99 | $0.00 | $2963.99 | $2963.99 | $2823.14 | $2823.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00444444321122210010000 | 00001001222112344444400 | 2025-02-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $2880.39000<br> $2880.39000<br> $5760.78000<br> $2880.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2963.99000<br> $0.00000<br> $2963.99000<br> $2963.99000<br> $2823.14000<br> $2823.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 42.700% | 0.000% | 0.000% | 34.200% | $1205.84 | $28940.20 |
| 45132357 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $145668.02 | 8.500% | $1261.02 | $1970.28 | 2025-03-07 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,970.28 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,261.02 with an interest rate of 8.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $2002.00 | $2002.00 | $0.00 | $4067.05 | $1961.97 | $1961.97 | $1961.97 | $1961.97 | $1961.97 | $0.00 | $3923.94 | $1961.97 | $3987.99 | $0.00 | $1961.97 | $2000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000100000010000000000 | 000000000010000001000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $2002.00000<br> $2002.00000<br> $0.00000<br> $4067.05000<br> $1961.97000<br> $1961.97000<br> $1961.97000<br> $1961.97000<br> $1961.97000<br> $0.00000<br> $3923.94000<br> $1961.97000<br> $3987.99000<br> $0.00000<br> $1961.97000<br> $2000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 67.100% | 0.000% | 0.000% | 41.900% | $1321.53 | $31716.77 |
| 95889099 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $296283.00 | 7.000% | $1728.32 | $2516.55 | 2025-03-07 | 2025-03-01 | 0 | According to the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,516.55, which applied to xx/xx/2025. The loan is currently interest-only payment of $1,728.32 with an interest rate of 7.000%. The UPB as of the date mentioned in the updated payment history is xx. | $2484.41 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $27457.71 | $2516.71 | $2516.55 | $2516.55 | $2516.55 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000004444444321000000000 | 000000000123444444400000 | 2025-02-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2484.41000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $27457.71000<br> $2516.71000<br> $2516.55000<br> $2516.55000<br> $2516.55000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.200% | 0.000% | 0.000% | 33.300% | $1667.02 | $40008.48 |
| 47150026 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $428402.00 | 5.000% | $2088.80 |  | 2025-03-01 | 2025-04-01 | 0 | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $2,088.80 with an interest rate of 5.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMMM |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 5541655 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | $367450.98 | 7.490% | $2570.59 | $3126.55 | 2025-03-12 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,126.55 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,570.59 with an interest rate of 7.490%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6253.10 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-02-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6253.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $260.55 | $6253.10 |
| 87071217 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Hampshire | xx | $165138.14 | 7.625% | $1174.02 | $1717.47 | 2025-03-20 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,717.47 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,174.02 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3346.62 | $3346.72 | $1673.31 | $1717.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000121 | 121000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3346.62000<br> $3346.72000<br> $1673.31000<br> $1717.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 24.500% | 0.000% | 0.000% | 48.900% | $420.17 | $10084.12 |
| 67144492 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $607632.99 | 7.630% | $4330.28 | $5426.88 | 2025-03-17 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,426.88 which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,330.28 with an interest rate of 7.630%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10853.76 | $10431.88 | $5426.88 | $5426.88 | $5426.88 | $5426.88 | $0.00 | $5426.88 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000001 | 100000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $10853.76000<br> $10431.88000<br> $5426.88000<br> $5426.88000<br> $5426.88000<br> $5426.88000<br> $0.00000<br> $5426.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.200% | 0.000% | 0.000% | 33.300% | $2017.50 | $48420.04 |
| 46524787 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $687483.69 | 7.490% | $4805.89 | $5925.31 | 2025-03-20 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,925.31 which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,805.89 with an interest rate of 7.490%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5925.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-03-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5925.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $246.89 | $5925.31 |
| 72377820 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $553500.00 | 7.625% | $3517.03 | $3517.03 | 2025-03-20 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,517.03, which was applied for the due date of xx/xx/2025. The monthly payment is $3,517.03 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. The loan is interest only for 120 months. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3517.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-03-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3517.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $146.54 | $3517.03 |
| 15491375 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $224345.50 | 7.875% | $1627.78 | $1989.30 | 2025-03-20 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,989.30 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,627.78 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1989.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-03-20 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1989.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $82.89 | $1989.30 |
| 9701364 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $293550.58 | 7.000% | $1968.30 | $2812.97 | 2025-03-17 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,812.97 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,968.30 with an interest rate of 7.00%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2812.97 | $2812.97 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-03-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2812.97000<br> $2812.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $234.41 | $5625.94 |
| 18989559 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $510300.00 | 7.250% | $3481.15 |  | 2025-02-28 | 2025-04-01 | 0 | The loan was originated on xx/xx/2025, and the first payment date is xx/xx/2025. According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $3,481.15, and the interest rate is 7.250%. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 55274651 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | $331750.69 | 6.990% | $2209.90 | $2498.46 | 2025-03-20 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,209.90 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,209.90 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5198.46 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-02-26 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5198.46000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.700% | 0.000% | 0.000% | 17.300% | $216.60 | $5198.46 |
| 18480992 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | $379064.43 | 6.125% | $2313.17 | $2711.72 | 2025-03-20 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,711.72 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,313.17 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2740.00 | $2750.00 | $2750.00 | $2750.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-03-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2740.00000<br> $2750.00000<br> $2750.00000<br> $2750.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.900% | 0.000% | 0.000% | 33.800% | $457.92 | $10990.00 |
| 28319698 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Mississippi | xx | $273629.13 | 6.625% | $1760.39 | $2204.97 | 2025-03-17 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2204.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,760.39 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2204.97 | $2204.97 | $2204.97 | $2204.97 | $2204.97 | $2276.00 | $2204.97 | $2204.97 | $2204.97 | $2204.97 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-02-19 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2204.97000<br> $2204.97000<br> $2204.97000<br> $2204.97000<br> $2204.97000<br> $2276.00000<br> $2204.97000<br> $2204.97000<br> $2204.97000<br> $2204.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.800% | 0.000% | 0.000% | 33.300% | $921.70 | $22120.73 |
| 80835173 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $616216.04 | 5.325% | $3578.37 | $4102.29 | 2025-04-07 | 2025-05-01 | 0 | According to the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,102.29, which applied for xx/xx/2025. The current P&I is $3,578.37 with an interest rate of 5.325%. The UPB is xx. | $4100.00 | $4100.00 | $4100.00 | $4100.00 | $4100.00 | $4100.00 | $4100.00 | $4150.00 | $4150.00 | $4150.00 | $4150.00 | $4150.00 | $4150.00 | $4150.00 | $4150.00 | $4150.00 | $4150.00 | $4150.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4100.00000<br> $4100.00000<br> $4100.00000<br> $4100.00000<br> $4100.00000<br> $4100.00000<br> $4100.00000<br> $4150.00000<br> $4150.00000<br> $4150.00000<br> $4150.00000<br> $4150.00000<br> $4150.00000<br> $4150.00000<br> $4150.00000<br> $4150.00000<br> $4150.00000<br> $4150.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.500% | 0.000% | 0.000% | 50.600% | $3097.92 | $74350.00 |
| 30117721 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $401528.43 | 4.600% | $2173.61 | $2890.46 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,890.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,173.61 with an interest rate of 4.600%. The current UPB reflected as per the payment history is xx. | $2504.71 | $2504.71 | $2521.18 | $2521.18 | $2521.18 | $2521.18 | $2521.18 | $2521.18 | $2521.18 | $2521.18 | $2521.18 | $2521.18 | $2521.18 | $2521.18 | $2892.70 | $2892.70 | $2892.70 | $2892.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2504.71000<br> $2504.71000<br> $2521.18000<br> $2521.18000<br> $2521.18000<br> $2521.18000<br> $2521.18000<br> $2521.18000<br> $2521.18000<br> $2521.18000<br> $2521.18000<br> $2521.18000<br> $2521.18000<br> $2521.18000<br> $2892.70000<br> $2892.70000<br> $2892.70000<br> $2892.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 67.500% | 0.000% | 0.000% | 47.900% | $1951.43 | $46834.38 |
| 80678524 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $452134.23 | 4.230% | $2350.37 | $3185.05 | 2025-04-10 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,185.05 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,350.37 with an interest rate of 4.230%. The current UPB reflected as per the payment history is xx. | $3041.16 | $3041.16 | $3041.16 | $3041.16 | $3041.16 | $3041.16 | $3041.16 | $3185.05 | $3185.05 | $3185.05 | $3185.05 | $3185.05 | $3185.05 | $0.00 | $6370.10 | $3185.05 | $3185.05 | $3185.05 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000010000000000000000100 | 001000000000000000010000 | 2025-04-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3041.16000<br> $3041.16000<br> $3041.16000<br> $3041.16000<br> $3041.16000<br> $3041.16000<br> $3041.16000<br> $3185.05000<br> $3185.05000<br> $3185.05000<br> $3185.05000<br> $3185.05000<br> $3185.05000<br> $0.00000<br> $6370.10000<br> $3185.05000<br> $3185.05000<br> $3185.05000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.700% | 0.000% | 0.000% | 50.000% | $2346.82 | $56323.67 |
| 88841052 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $279106.07 | 4.680% | $1520.38 | $1897.08 | 2025-03-13 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,897.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,520.38 with an interest rate of 4.680%. The UPB is xx. | $1923.98 | $1923.98 | $1923.98 | $1923.98 | $1923.98 | $1923.98 | $1923.98 | $1897.08 | $1897.08 | $1897.08 | $1897.08 | $1897.08 | $1897.08 | $1897.08 | $1897.08 | $1897.08 | $1897.08 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1923.98000<br> $1923.98000<br> $1923.98000<br> $1923.98000<br> $1923.98000<br> $1923.98000<br> $1923.98000<br> $1897.08000<br> $1897.08000<br> $1897.08000<br> $1897.08000<br> $1897.08000<br> $1897.08000<br> $1897.08000<br> $1897.08000<br> $1897.08000<br> $1897.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.200% | 0.000% | 0.000% | 41.700% | $1351.61 | $32438.66 |
| 92126130 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $495523.81 | 4.380% | $2617.50 | $2617.50 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,617.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,617.50 with an interest rate of 4.380%. The current UPB reflected as per the payment history is xx. | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $2617.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $2617.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $1963.13 | $47115.00 |
| 48191907 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Oregon | xx | $223188.19 | 5.150% | $1276.61 | $1557.11 | 2025-04-08 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,557.11 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,276.61 with an interest rate of 5.150%. The current UPB reflected as per the payment history is xx. | $1473.70 | $1473.70 | $1473.70 | $1473.70 | $1473.70 | $1473.70 | $1473.70 | $1473.70 | $1536.49 | $1536.49 | $1536.49 | $1536.49 | $1536.49 | $1536.49 | $1536.49 | $1557.11 | $1557.11 | $1557.11 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1473.70000<br> $1473.70000<br> $1473.70000<br> $1473.70000<br> $1473.70000<br> $1473.70000<br> $1473.70000<br> $1473.70000<br> $1536.49000<br> $1536.49000<br> $1536.49000<br> $1536.49000<br> $1536.49000<br> $1536.49000<br> $1536.49000<br> $1557.11000<br> $1557.11000<br> $1557.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.800% | 0.000% | 0.000% | 49.700% | $1134.02 | $27216.36 |
| 36422884 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $815417.34 | 5.330% | $4755.57 | $5187.24 | 2025-04-08 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,187.24 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,755.57 with an interest rate of 5.330%. The current UPB reflected as per the payment history is xx. | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $5200.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $5200.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.200% | 0.000% | 0.000% | 50.100% | $3900.00 | $93600.00 |
| 15449726 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $693256.25 | 5.330% | $4096.93 | $5000.00 | 2025-04-07 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,000.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,096.93 with an interest rate of 5.330%. The current UPB reflected as per the payment history is xx. | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $3750.00 | $90000.00 |
| 37799853 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $559200.00 | 5.475% | $2551.35 | $3185.95 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,185.95 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,551.35 with an interest rate of 5.475%. The current UPB reflected as per the payment history is xx. The loan is interest only for 120 months. | $3581.71 | $3581.71 | $3581.71 | $3581.71 | $3581.71 | $3581.71 | $3581.71 | $3185.95 | $3185.95 | $3185.95 | $3185.95 | $3185.95 | $3185.95 | $3185.95 | $3185.95 | $3185.95 | $3185.95 | $3185.95 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3581.71000<br> $3581.71000<br> $3581.71000<br> $3581.71000<br> $3581.71000<br> $3581.71000<br> $3581.71000<br> $3185.95000<br> $3185.95000<br> $3185.95000<br> $3185.95000<br> $3185.95000<br> $3185.95000<br> $3185.95000<br> $3185.95000<br> $3185.95000<br> $3185.95000<br> $3185.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.600% | 0.000% | 0.000% | 50.000% | $2504.89 | $60117.42 |
| 34050905 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $390269.33 | 4.950% | $2185.79 | $3023.93 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,023.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,185.79 with an interest rate of 4.950%. The current UPB reflected as per the payment history is xx. | $2972.77 | $0.00 | $5968.10 | $2984.05 | $2984.05 | $2984.05 | $2984.05 | $2984.05 | $2984.05 | $2984.05 | $2984.05 | $2984.05 | $2984.05 | $3023.93 | $3023.93 | $3023.93 | $3023.93 | $3023.93 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000010000000 | 000000010000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2972.77000<br> $0.00000<br> $5968.10000<br> $2984.05000<br> $2984.05000<br> $2984.05000<br> $2984.05000<br> $2984.05000<br> $2984.05000<br> $2984.05000<br> $2984.05000<br> $2984.05000<br> $2984.05000<br> $3023.93000<br> $3023.93000<br> $3023.93000<br> $3023.93000<br> $3023.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.300% | 0.000% | 0.000% | 49.900% | $2245.88 | $53901.02 |
| 88351707 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $594632.09 | 5.750% | $3618.15 | $4600.22 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,600.22 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,618.15 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | $4508.28 | $4508.28 | $4508.28 | $4508.28 | $4508.28 | $4508.28 | $4508.28 | $4600.22 | $4600.22 | $4600.22 | $4600.22 | $4600.22 | $4600.22 | $4600.22 | $4600.22 | $4600.22 | $4600.22 | $4600.22 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4508.28000<br> $4508.28000<br> $4508.28000<br> $4508.28000<br> $4508.28000<br> $4508.28000<br> $4508.28000<br> $4600.22000<br> $4600.22000<br> $4600.22000<br> $4600.22000<br> $4600.22000<br> $4600.22000<br> $4600.22000<br> $4600.22000<br> $4600.22000<br> $4600.22000<br> $4600.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.400% | 0.000% | 0.000% | 50.000% | $3423.35 | $82160.38 |
| 68302828 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $300207.06 | 4.950% | $1681.38 | $2409.97 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,409.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,681.38 with an interest rate of 4.950%. The current UPB reflected as per the payment history is xx. | $2863.32 | $2863.32 | $2863.32 | $2863.32 | $2863.32 | $2863.32 | $2409.97 | $2409.97 | $2409.97 | $2409.97 | $2409.97 | $2409.97 | $2409.97 | $2409.97 | $2409.97 | $2409.97 | $2409.97 | $2409.97 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2863.32000<br> $2863.32000<br> $2863.32000<br> $2863.32000<br> $2863.32000<br> $2863.32000<br> $2409.97000<br> $2409.97000<br> $2409.97000<br> $2409.97000<br> $2409.97000<br> $2409.97000<br> $2409.97000<br> $2409.97000<br> $2409.97000<br> $2409.97000<br> $2409.97000<br> $2409.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.700% | 0.000% | 0.000% | 50.000% | $1920.82 | $46099.56 |
| 48217410 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $179278.56 | 4.650% | $974.55 | $1341.10 | 2025-04-08 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,341.10 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $974.55 with an interest rate of 4.650%. The current UPB, reflected as per the payment history, is xx. | $2503.00 | $1250.48 | $1248.97 | $0.00 | $1248.97 | $2497.94 | $1248.97 | $1248.97 | $1248.97 | $0.00 | $1248.97 | $2497.94 | $1248.97 | $0.00 | $2682.20 | $0.00 | $1341.10 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2503.00000<br> $1250.48000<br> $1248.97000<br> $0.00000<br> $1248.97000<br> $2497.94000<br> $1248.97000<br> $1248.97000<br> $1248.97000<br> $0.00000<br> $1248.97000<br> $2497.94000<br> $1248.97000<br> $0.00000<br> $2682.20000<br> $0.00000<br> $1341.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.800% | 0.000% | 0.000% | 32.800% | $896.48 | $21515.45 |
| 34164413 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | $161672.79 | 4.880% | $899.65 | $1407.29 | 2025-04-01 | 2025-05-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,407.29 which was applied for the due date of xx/xx/2025. The current monthly P&I is $899.65 with an interest rate of 4.880%. The current UPB reflected as per the payment history is xx. | $1160.07 | $1160.07 | $1160.07 | $1160.07 | $1160.07 | $1160.07 | $1160.07 | $1160.07 | $1160.07 | $1160.07 | $1160.07 | $1160.07 | $1407.29 | $1407.29 | $1407.29 | $1407.29 | $1407.29 | $1407.29 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1160.07000<br> $1160.07000<br> $1160.07000<br> $1160.07000<br> $1160.07000<br> $1160.07000<br> $1160.07000<br> $1160.07000<br> $1160.07000<br> $1160.07000<br> $1160.07000<br> $1160.07000<br> $1407.29000<br> $1407.29000<br> $1407.29000<br> $1407.29000<br> $1407.29000<br> $1407.29000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.200% | 0.000% | 0.000% | 50.000% | $931.86 | $22364.58 |
| 42415115 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $188172.52 | 5.100% | $1970.70 | $1351.55 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,351.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,970.70 with an interest rate of 5.100%. The current UPB reflected as per the payment history is xx. | $1353.79 | $1353.79 | $1353.79 | $1353.79 | $1353.79 | $1353.79 | $1353.79 | $1351.25 | $1351.25 | $1351.25 | $1351.25 | $1351.25 | $1351.25 | $1351.25 | $1351.25 | $1351.25 | $1351.25 | $1351.25 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1353.79000<br> $1353.79000<br> $1353.79000<br> $1353.79000<br> $1353.79000<br> $1353.79000<br> $1353.79000<br> $1351.25000<br> $1351.25000<br> $1351.25000<br> $1351.25000<br> $1351.25000<br> $1351.25000<br> $1351.25000<br> $1351.25000<br> $1351.25000<br> $1351.25000<br> $1351.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $1014.18 | $24340.28 |
| 13048411 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $312399.85 | 4.875% | $1735.80 | $1945.92 | 2025-04-01 | 2025-05-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,945.92 (PITI), which was applied for the due date of xx/xx/2025. The current UPB as per payment history is xx. The current P&I is $1,735.80 with an interest rate of 4.875%. | $1993.22 | $1993.22 | $1993.22 | $1993.22 | $1946.42 | $1946.42 | $1946.42 | $1946.42 | $1946.42 | $1946.42 | $1946.42 | $1946.42 | $1946.42 | $1946.42 | $1946.42 | $1945.92 | $1945.92 | $1945.92 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1993.22000<br> $1993.22000<br> $1993.22000<br> $1993.22000<br> $1946.42000<br> $1946.42000<br> $1946.42000<br> $1946.42000<br> $1946.42000<br> $1946.42000<br> $1946.42000<br> $1946.42000<br> $1946.42000<br> $1946.42000<br> $1946.42000<br> $1945.92000<br> $1945.92000<br> $1945.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.400% | 0.000% | 0.000% | 50.000% | $1467.55 | $35221.26 |
| 38610796 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $1057207.74 | 5.025% | $5994.53 | $7599.47 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,599.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,994.53 with an interest rate of 5.025%. The current UPB reflected as per the payment history is xx. | $7247.71 | $7247.71 | $7247.71 | $7247.71 | $7247.71 | $7247.71 | $7599.47 | $7599.47 | $7599.47 | $7599.47 | $7599.47 | $7599.47 | $7599.47 | $7599.47 | $0.00 | $7599.47 | $7599.47 | $7599.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $7247.71000<br> $7247.71000<br> $7247.71000<br> $7247.71000<br> $7247.71000<br> $7247.71000<br> $7599.47000<br> $7599.47000<br> $7599.47000<br> $7599.47000<br> $7599.47000<br> $7599.47000<br> $7599.47000<br> $7599.47000<br> $0.00000<br> $7599.47000<br> $7599.47000<br> $7599.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.700% | 0.000% | 0.000% | 41.700% | $5295.02 | $127080.43 |
| 57003348 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $227284.09 | 4.650% | $1073.50 | $1860.12 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,860.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,073.50 with an interest rate of 4.650%. The current UPB reflected as per the payment history is xx. | $1961.14 | $1961.14 | $1961.14 | $1961.14 | $1961.14 | $1961.14 | $1860.12 | $1860.12 | $1860.12 | $1860.12 | $1860.12 | $1860.12 | $1860.12 | $1860.12 | $1860.12 | $1860.12 | $1860.12 | $1860.12 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1961.14000<br> $1961.14000<br> $1961.14000<br> $1961.14000<br> $1961.14000<br> $1961.14000<br> $1860.12000<br> $1860.12000<br> $1860.12000<br> $1860.12000<br> $1860.12000<br> $1860.12000<br> $1860.12000<br> $1860.12000<br> $1860.12000<br> $1860.12000<br> $1860.12000<br> $1860.12000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.400% | 0.000% | 0.000% | 50.000% | $1420.35 | $34088.28 |
| 54423672 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $172245.16 | 5.630% | $1036.18 | $1478.60 | 2025-04-07 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,478.60 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,036.18 with an interest rate of 5.630%. The current UPB reflected as per the payment history is xx. | $0.00 | $1592.72 | $1592.72 | $3185.44 | $1592.72 | $1478.60 | $1478.60 | $1478.60 | $0.00 | $2957.20 | $1478.60 | $1478.60 | $0.00 | $1478.60 | $1478.60 | $1478.60 | $1478.60 | $1478.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1592.72000<br> $1592.72000<br> $3185.44000<br> $1592.72000<br> $1478.60000<br> $1478.60000<br> $1478.60000<br> $0.00000<br> $2957.20000<br> $1478.60000<br> $1478.60000<br> $0.00000<br> $1478.60000<br> $1478.60000<br> $1478.60000<br> $1478.60000<br> $1478.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.400% | 0.000% | 0.000% | 41.700% | $1071.12 | $25706.80 |
| 51946107 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $122382.49 | 4.600% | $661.31 | $1143.27 | 2025-04-15 | 2025-05-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,143.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $661.37 with an interest rate of 4.600%. The current UPB as per payment history, is xx. | $1129.29 | $1129.29 | $1113.53 | $1113.53 | $1113.53 | $1113.53 | $1113.53 | $1113.53 | $2227.06 | $1113.53 | $1113.53 | $0.00 | $1113.53 | $1113.53 | $1143.27 | $1143.27 | $1143.27 | $1143.27 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1129.29000<br> $1129.29000<br> $1113.53000<br> $1113.53000<br> $1113.53000<br> $1113.53000<br> $1113.53000<br> $1113.53000<br> $2227.06000<br> $1113.53000<br> $1113.53000<br> $0.00000<br> $1113.53000<br> $1113.53000<br> $1143.27000<br> $1143.27000<br> $1143.27000<br> $1143.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.600% | 0.000% | 0.000% | 49.600% | $841.42 | $20194.02 |
| 1220884 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $225485.60 | 4.275% | $1174.30 | $1903.85 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,903.85 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,174.30 with an interest rate of 4.275%. The current UPB reflected as per the payment history is xx. | $1556.54 | $1556.54 | $1556.54 | $1556.54 | $1556.54 | $1556.54 | $1556.54 | $1556.54 | $1556.54 | $1556.54 | $1556.54 | $1556.54 | $1903.85 | $1903.85 | $1903.85 | $1903.85 | $1903.85 | $1903.85 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1556.54000<br> $1556.54000<br> $1556.54000<br> $1556.54000<br> $1556.54000<br> $1556.54000<br> $1556.54000<br> $1556.54000<br> $1556.54000<br> $1556.54000<br> $1556.54000<br> $1556.54000<br> $1903.85000<br> $1903.85000<br> $1903.85000<br> $1903.85000<br> $1903.85000<br> $1903.85000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.900% | 0.000% | 0.000% | 50.000% | $1254.23 | $30101.58 |
| 89743638 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $752448.58 | 5.225% | $4339.17 | $6124.96 | 2025-04-10 | 2025-05-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $6,124.96 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,339.17 with an interest rate of 5.225%. The current UPB reflected as per the payment history is xx. | $5681.50 | $5681.50 | $5681.50 | $5681.50 | $5681.50 | $5681.50 | $5681.50 | $6124.96 | $6124.96 | $6124.96 | $6124.96 | $6124.96 | $6124.96 | $6124.96 | $6124.96 | $6124.96 | $6124.96 | $6124.96 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5681.50000<br> $5681.50000<br> $5681.50000<br> $5681.50000<br> $5681.50000<br> $5681.50000<br> $5681.50000<br> $6124.96000<br> $6124.96000<br> $6124.96000<br> $6124.96000<br> $6124.96000<br> $6124.96000<br> $6124.96000<br> $6124.96000<br> $6124.96000<br> $6124.96000<br> $6124.96000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.900% | 0.000% | 0.000% | 50.000% | $4464.38 | $107145.06 |
| 40187040 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | California | xx | $1064904.31 | 4.680% | $5791.93 | $6660.91 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,660.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,791.93 with an interest rate of 4.680%. The current UPB reflected as per the payment history is xx. | $7249.93 | $7249.93 | $7249.93 | $7249.93 | $7249.93 | $7249.93 | $7249.93 | $6660.91 | $6660.91 | $6660.91 | $6660.91 | $6660.91 | $6660.91 | $6660.91 | $6660.91 | $6660.91 | $6660.91 | $6660.91 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $7249.93000<br> $7249.93000<br> $7249.93000<br> $7249.93000<br> $7249.93000<br> $7249.93000<br> $7249.93000<br> $6660.91000<br> $6660.91000<br> $6660.91000<br> $6660.91000<br> $6660.91000<br> $6660.91000<br> $6660.91000<br> $6660.91000<br> $6660.91000<br> $6660.91000<br> $6660.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.600% | 0.000% | 0.000% | 50.000% | $5167.48 | $124019.52 |
| 51436757 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $94270.34 | 3.750% | $463.12 | $979.56 | 2025-04-03 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $979.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $463.12 with an interest rate of 3.750%. The current UPB reflected as per the payment history is xx. | $1160.70 | $0.00 | $1160.70 | $2321.40 | $1160.70 | $0.00 | $1959.12 | $0.00 | $979.56 | $1959.12 | $1959.12 | $979.56 | $979.56 | $0.00 | $979.56 | $1959.12 | $0.00 | $979.56 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1160.70000<br> $0.00000<br> $1160.70000<br> $2321.40000<br> $1160.70000<br> $0.00000<br> $1959.12000<br> $0.00000<br> $979.56000<br> $1959.12000<br> $1959.12000<br> $979.56000<br> $979.56000<br> $0.00000<br> $979.56000<br> $1959.12000<br> $0.00000<br> $979.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.900% | 0.000% | 0.000% | 41.700% | $772.41 | $18537.78 |
| 21121444 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $167675.88 | 6.875% | $1156.19 | $1812.92 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,812.92 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,156.19 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $2000.00 | $2000.00 | $0.00 | $1922.19 | $2000.00 | $1942.19 | $1942.19 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $1942.19 | $2000.00 | $1942.19 | $2000.00 | $0.00 | $3884.38 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 010000000000000000 | 000000000000000010 | 2025-03-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2000.00000<br> $2000.00000<br> $0.00000<br> $1922.19000<br> $2000.00000<br> $1942.19000<br> $1942.19000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $1942.19000<br> $2000.00000<br> $1942.19000<br> $2000.00000<br> $0.00000<br> $3884.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.600% | 0.000% | 0.000% | 45.200% | $1315.64 | $31575.33 |
| 26351345 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Colorado | xx | $744163.11 | 5.125% | $4477.72 | $6833.49 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,833.49 which was applied for the due date of xx/xx/2025. The current P&I is $4,477.72 with an interest rate of 5.125%. The current UPB reflected as per the payment history is xx‬. As per PH transaction dated xx/xx/2024, principal curtailment in the amount of xx. As per the collection comment dated xx/xx/2024, these are borrower payments. | $5212.01 | $5212.01 | $5212.01 | $5212.01 | $5212.01 | $5212.01 | $5212.01 | $6833.49 | $6833.49 | $6833.49 | $6833.49 | $6833.49 | $6833.49 | $56833.49 | $6833.49 | $6833.49 | $6833.49 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5212.01000<br> $5212.01000<br> $5212.01000<br> $5212.01000<br> $5212.01000<br> $5212.01000<br> $5212.01000<br> $6833.49000<br> $6833.49000<br> $6833.49000<br> $6833.49000<br> $6833.49000<br> $6833.49000<br> $56833.49000<br> $6833.49000<br> $6833.49000<br> $6833.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 94.400% | 0.000% | 0.000% | 102.600% | $6450.79 | $154818.97 |
| 49628471 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $564931.21 | 6.625% | $3713.80 | $5311.57 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,311.57 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,713.80 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $3792.16 | $0.00 | $7584.32 | $3792.16 | $3992.16 | $3792.16 | $3792.16 | $4476.97 | $7611.62 | $6827.10 | $6827.10 | $5119.15 | $5119.15 | $5119.15 | $5119.15 | $5311.57 | $5311.57 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000100000001 | 100000001000000000000000 | 2025-03-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3792.16000<br> $0.00000<br> $7584.32000<br> $3792.16000<br> $3992.16000<br> $3792.16000<br> $3792.16000<br> $4476.97000<br> $7611.62000<br> $6827.10000<br> $6827.10000<br> $5119.15000<br> $5119.15000<br> $5119.15000<br> $5119.15000<br> $5311.57000<br> $5311.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.600% | 0.000% | 0.000% | 40.800% | $3482.82 | $83587.65 |
| 19460922 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | $505834.91 | 2.875% | $2274.65 | $3329.53 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,329.53 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,274.65 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx. | $3395.41 | $3395.41 | $3395.41 | $3395.41 | $3395.41 | $3395.41 | $3395.41 | $3395.41 | $3395.41 | $3329.53 | $3329.53 | $3329.53 | $3329.53 | $3329.53 | $3329.53 | $3329.53 | $3329.53 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3395.41000<br> $3395.41000<br> $3395.41000<br> $3395.41000<br> $3395.41000<br> $3395.41000<br> $3395.41000<br> $3395.41000<br> $3395.41000<br> $3329.53000<br> $3329.53000<br> $3329.53000<br> $3329.53000<br> $3329.53000<br> $3329.53000<br> $3329.53000<br> $3329.53000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.600% | 0.000% | 0.000% | 41.700% | $2383.12 | $57194.93 |
| 3713966 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Oregon | xx | $390308.50 | 6.750% | $2568.45 | $2847.50 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,847.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,568.45 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx<br>| $0.00 | $2819.48 | $2819.48 | $2819.48 | $2819.48 | $2819.48 | $2819.48 | $2819.48 | $2847.46 | $2847.46 | $2847.46 | $2847.46 | $2847.46 | $2847.46 | $2847.46 | $2847.50 | $2847.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $2819.48000<br> $2819.48000<br> $2819.48000<br> $2819.48000<br> $2819.48000<br> $2819.48000<br> $2819.48000<br> $2847.46000<br> $2847.46000<br> $2847.46000<br> $2847.46000<br> $2847.46000<br> $2847.46000<br> $2847.46000<br> $2847.50000<br> $2847.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.400% | 0.000% | 0.000% | 41.700% | $1890.15 | $45363.58 |
| 885383 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $122669.96 | 3.250% | $579.91 | $1313.02 | 2025-03-31 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,313.02 which was applied for the due date of xx/xx/2025. The current monthly P&I is $579.91 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | $1235.66 | $1235.66 | $1235.66 | $1235.66 | $1300.66 | $1240.00 | $1235.66 | $1245.66 | $1235.66 | $1235.66 | $1235.66 | $1313.02 | $1313.02 | $1313.02 | $1313.02 | $1313.02 | $1313.02 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1235.66000<br> $1235.66000<br> $1235.66000<br> $1235.66000<br> $1300.66000<br> $1240.00000<br> $1235.66000<br> $1245.66000<br> $1235.66000<br> $1235.66000<br> $1235.66000<br> $1313.02000<br> $1313.02000<br> $1313.02000<br> $1313.02000<br> $1313.02000<br> $1313.02000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.400% | 0.000% | 0.000% | 41.700% | $897.91 | $21549.72 |
| 76142283 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $362648.52 | 2.750% | $1277.98 | $1784.81 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,784.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,277.98 with an interest rate of 2.750%. The current UPB is xx. | $1674.32 | $1674.32 | $1674.32 | $1674.32 | $1674.32 | $1848.93 | $1848.93 | $1848.93 | $1848.93 | $1848.93 | $1848.93 | $1848.93 | $1784.81 | $1784.81 | $1784.81 | $1784.81 | $1784.81 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000010444 | 444010000000000000000000 | 2025-03-12 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1674.32000<br> $1674.32000<br> $1674.32000<br> $1674.32000<br> $1674.32000<br> $1848.93000<br> $1848.93000<br> $1848.93000<br> $1848.93000<br> $1848.93000<br> $1848.93000<br> $1848.93000<br> $1784.81000<br> $1784.81000<br> $1784.81000<br> $1784.81000<br> $1784.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.600% | 0.000% | 0.000% | 41.700% | $1259.92 | $30238.16 |
| 44197074 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $224232.48 | 6.125% | $1421.81 | $1984.10 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,984.10 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,421.81 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $2054.83 | $2054.83 | $2054.83 | $2054.83 | $2054.83 | $2054.83 | $2054.83 | $2054.83 | $2012.19 | $2082.06 | $2082.06 | $2082.06 | $2082.06 | $2082.06 | $2082.06 | $2082.06 | $2082.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2054.83000<br> $2054.83000<br> $2054.83000<br> $2054.83000<br> $2054.83000<br> $2054.83000<br> $2054.83000<br> $2054.83000<br> $2012.19000<br> $2082.06000<br> $2082.06000<br> $2082.06000<br> $2082.06000<br> $2082.06000<br> $2082.06000<br> $2082.06000<br> $2082.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.700% | 0.000% | 0.000% | 43.700% | $1462.80 | $35107.31 |
| 91617355 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Hampshire | xx | $344748.52 | 2.625% | $1278.33 | $2345.87 | 2025-03-31 | 2025-05-01 | 0 | According to the review of the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of PITI $2,345.87, which was applied to the due date of xx/xx/2025. The current P&I is $1,278.33 with an interest rate of 2.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2369.18 | $2464.10 | $2473.92 | $2473.92 | $2473.92 | $2473.92 | $2473.92 | $2315.70 | $0.00 | $7072.00 | $2345.87 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 001000000004444444444444 | 444444444444400000000100 | 2025-03-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2369.18000<br> $2464.10000<br> $2473.92000<br> $2473.92000<br> $2473.92000<br> $2473.92000<br> $2473.92000<br> $2315.70000<br> $0.00000<br> $7072.00000<br> $2345.87000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 51.400% | 0.000% | 0.000% | 50.500% | $1205.69 | $28936.45 |
| 34609541 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $315650.71 | 7.375% | $2210.16 | $2564.67 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,564.67 which was applied for the due date of xx/xx/2025. The current P&I is $2,210.16 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx‬. | $0.00 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2504.61 | $2564.67 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2504.61000<br> $2564.67000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.200% | 0.000% | 0.000% | 40.900% | $1672.24 | $40133.82 |
| 7040976 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $222456.62 | 2.750% | $985.90 | $1065.87 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,065.87 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $985.90 with an interest rate of 2.75%. The current UPB reflected as per the payment history is xx. | $1044.45 | $1044.45 | $1044.45 | $1054.15 | $1054.15 | $1054.15 | $1054.15 | $1054.15 | $1054.15 | $1054.15 | $1054.15 | $1054.15 | $1054.15 | $1054.15 | $1054.15 | $1065.87 | $1065.87 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1044.45000<br> $1044.45000<br> $1044.45000<br> $1054.15000<br> $1054.15000<br> $1054.15000<br> $1054.15000<br> $1054.15000<br> $1054.15000<br> $1054.15000<br> $1054.15000<br> $1054.15000<br> $1054.15000<br> $1054.15000<br> $1054.15000<br> $1065.87000<br> $1065.87000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.000% | 0.000% | 0.000% | 41.400% | $746.45 | $17914.89 |
| 62979401 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $188867.31 | 3.000% | $680.67 | $1111.65 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,111.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $680.67 with an interest rate of 3.00%. The current UPB, reflected as per the payment history, is xx. | $0.00 | $0.00 | $737.81 | $737.81 | $1475.62 | $0.00 | $737.81 | $1475.62 | $737.81 | $0.00 | $0.00 | $2633.36 | $1127.92 | $1127.92 | $0.00 | $1111.65 | $1111.65 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000444444444444444444 | 444444444444444444000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $737.81000<br> $737.81000<br> $1475.62000<br> $0.00000<br> $737.81000<br> $1475.62000<br> $737.81000<br> $0.00000<br> $0.00000<br> $2633.36000<br> $1127.92000<br> $1127.92000<br> $0.00000<br> $1111.65000<br> $1111.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.800% | 0.000% | 0.000% | 33.600% | $542.29 | $13014.98 |
| 24236870 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | $141367.31 | 5.750% | $846.41 | $1113.87 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,113.87 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $846.41 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $1007.87 | $1007.87 | $1007.87 | $1007.87 | $1007.87 | $1007.87 | $1007.87 | $1113.87 | $1113.87 | $1113.87 | $1113.87 | $1113.87 | $1113.87 | $1113.87 | $1113.87 | $1113.87 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000000000 | 00000000000000000000000 | 2025-03-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1007.87000<br> $1007.87000<br> $1007.87000<br> $1007.87000<br> $1007.87000<br> $1007.87000<br> $1007.87000<br> $1113.87000<br> $1113.87000<br> $1113.87000<br> $1113.87000<br> $1113.87000<br> $1113.87000<br> $1113.87000<br> $1113.87000<br> $1113.87000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 63.900% | 0.000% | 0.000% | 41.700% | $711.66 | $17079.92 |
| 93491709 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $121995.86 | 6.750% | $810.75 | $810.75 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $810.75, which was applied for the due date of xx/xx/2025. The current P&I is $810.75 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $810.75 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $810.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.800% | 0.000% | 0.000% | 41.700% | $574.28 | $13782.75 |
| 98654647 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $136155.42 | 3.500% | $660.10 | $953.47 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $953.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $660.10 with an interest rate of 3.50%. The current UPB reflected as per the payment history is xx. | $934.86 | $934.86 | $934.86 | $934.86 | $955.98 | $955.98 | $955.98 | $955.98 | $955.98 | $955.98 | $955.98 | $955.98 | $955.98 | $955.98 | $955.98 | $955.98 | $953.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $934.86000<br> $934.86000<br> $934.86000<br> $934.86000<br> $955.98000<br> $955.98000<br> $955.98000<br> $955.98000<br> $955.98000<br> $955.98000<br> $955.98000<br> $955.98000<br> $955.98000<br> $955.98000<br> $955.98000<br> $955.98000<br> $953.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.600% | 0.000% | 0.000% | 41.800% | $673.53 | $16164.67 |
| 71391026 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Montana | xx | $421559.63 | 4.500% | $2229.42 | $2229.42 | 2025-03-31 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,229.42 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,229.42 with an interest rate of 4.50%. The current UPB reflected as per the payment history is xx. | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $2229.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $2229.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.800% | 0.000% | 0.000% | 41.700% | $1579.17 | $37900.14 |
| 85468985 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $515802.66 | 3.250% | $2397.99 | $3584.59 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,584.59 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,397.99 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $6611.32 | $3305.66 | $3305.66 | $3305.66 | $3305.66 | $3305.66 | $3305.66 | $3584.59 | $3584.59 | $0.00 | $7169.18 | $0.00 | $7169.18 | $3584.59 | $3584.59 | $3584.59 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000010100000000010010100 | 001010010000000001010000 | 2025-03-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $6611.32000<br> $3305.66000<br> $3305.66000<br> $3305.66000<br> $3305.66000<br> $3305.66000<br> $3305.66000<br> $3584.59000<br> $3584.59000<br> $0.00000<br> $7169.18000<br> $0.00000<br> $7169.18000<br> $3584.59000<br> $3584.59000<br> $3584.59000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.200% | 0.000% | 0.000% | 41.700% | $2446.11 | $58706.59 |
| 73298876 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $196264.09 | 6.250% | $1231.43 | $1231.43 | 2025-03-31 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,231.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,231.43 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $1231.43 | $1500.43 | $1501.43 | $2462.86 | $0.00 | $1231.43 | $1231.43 | $1231.43 | $1231.43 | $1231.43 | $1231.43 | $1231.43 | $1231.43 | $1231.43 | $1231.43 | $1231.43 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2025-03-19 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1231.43000<br> $1500.43000<br> $1501.43000<br> $2462.86000<br> $0.00000<br> $1231.43000<br> $1231.43000<br> $1231.43000<br> $1231.43000<br> $1231.43000<br> $1231.43000<br> $1231.43000<br> $1231.43000<br> $1231.43000<br> $1231.43000<br> $1231.43000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.500% | 0.000% | 0.000% | 41.700% | $843.41 | $20241.88 |
| 38815515 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Oklahoma | xx | $284747.00 | 7.250% | $1942.48 |  | 2025-03-12 | 2025-04-01 | 0 | The loan was originated on xx/xx/2025 and the first payment date is xx/xx/2025. As per the review of seller's tape data as of xx/xx/2025, the next due date is xx/xx/2025. As per tape, current P&I is $1,942.48 and interest rate is 7.25%. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 52837292 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $338554.37 | 5.875% | $1843.14 | $2401.38 | 2025-04-04 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,401.38 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,843.14 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | $2528.85 | $0.00 | $0.00 | $0.00 | $2528.85 | $2528.85 | $4565.50 | $2395.01 | $2395.01 | $2395.01 | $2395.01 | $2395.01 | $2401.38 | $2401.38 | $2401.38 | $2401.38 | $2401.38 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000033332100000M | M000001233330000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2528.85000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2528.85000<br> $2528.85000<br> $4565.50000<br> $2395.01000<br> $2395.01000<br> $2395.01000<br> $2395.01000<br> $2395.01000<br> $2401.38000<br> $2401.38000<br> $2401.38000<br> $2401.38000<br> $2401.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.700% | 0.000% | 0.000% | 41.700% | $1505.58 | $36134.00 |
| 22221607 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $273732.99 | 7.125% | $1859.46 | $2168.30 | 2025-03-04 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,168.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,859.46 with an interest rate of 7.125%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2168.30 | $2168.30 | $0.00 | $4336.60 | $0.00 | $2168.30 | $4336.60 | $2168.30 | $0.00 | $2168.30 | $2168.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2168.30000<br> $2168.30000<br> $0.00000<br> $4336.60000<br> $0.00000<br> $2168.30000<br> $4336.60000<br> $2168.30000<br> $0.00000<br> $2168.30000<br> $2168.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 0.000% | 41.700% | $903.46 | $21683.00 |
| 39801482 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $137455.75 | 5.990% | $862.43 | $1080.97 | 2025-03-04 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,080.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $862.43 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1282.16 | $1282.16 | $1282.16 | $1282.16 | $1282.16 | $1282.16 | $6282.16 | $1282.16 | $1282.16 | $1080.97 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-03-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1282.16000<br> $1282.16000<br> $1282.16000<br> $1282.16000<br> $1282.16000<br> $1282.16000<br> $6282.16000<br> $1282.16000<br> $1282.16000<br> $1080.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 67.900% | 0.000% | 0.000% | 86.400% | $734.18 | $17620.41 |
| 51568114 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $237637.27 | 6.500% | $1531.18 | $2110.68 | 2025-03-04 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,110.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,531.18 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $1926.72 | $3853.44 | $0.00 | $3853.44 | $0.00 | $3853.44 | $1926.72 | $0.00 | $2033.79 | $2033.79 | $4067.58 | $0.00 | $2033.79 | $2033.79 | $4144.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000000 | 00000000000000000000 | 2025-01-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1926.72000<br> $3853.44000<br> $0.00000<br> $3853.44000<br> $0.00000<br> $3853.44000<br> $1926.72000<br> $0.00000<br> $2033.79000<br> $2033.79000<br> $4067.58000<br> $0.00000<br> $2033.79000<br> $2033.79000<br> $4144.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.700% | 0.000% | 0.000% | 32.400% | $1323.37 | $31760.97 |
| 95730970 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Washington D.C. | xx | $260896.92 | 6.000% | $1436.94 | $1778.87 | 2025-03-04 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,778.87 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,436.94 with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx. | $1850.21 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1855.20 | $1855.20 | $1855.20 | $0.00 | $1778.87 | $1778.87 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00433332144432100000000 | 00000000123444123333400 | 2025-02-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1850.21000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1855.20000<br> $1855.20000<br> $1855.20000<br> $0.00000<br> $1778.87000<br> $1778.87000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.700% | 0.000% | 0.000% | 25.400% | $457.23 | $10973.55 |
| 61093992 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $168767.67 | 9.375% | $1570.77 | $1570.77 | 2025-02-28 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,570.77 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,570.77 with an interest rate of 9.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1570.77 | $1570.77 | $1570.77 | $1570.77 | $1570.77 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-02-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1570.77000<br> $1570.77000<br> $1570.77000<br> $1570.77000<br> $1570.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 33.300% | $327.24 | $7853.85 |
| 50231522 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | $287655.89 | 5.000% | $1198.57 | $1578.46 | 2025-04-09 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,578.46 (PITI), which was applied on xx/xx/2025. The current P&I is $1,198.57 with an interest rate of 5.00%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6063.65 | $0.00 | $2475.64 | $1578.46 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000001444444444444444444 | 444444444444444444100000 | 2025-04-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6063.65000<br> $0.00000<br> $2475.64000<br> $1578.46000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 26.700% | 0.000% | 0.000% | 53.400% | $421.57 | $10117.75 |
| 70651965 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $283418.68 | 5.990% | $1743.66 | $2787.99 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,787.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,743.66 with an interest rate of 5.99%. The current UPB reflected as per the payment history is xx. | $1944.00 | $1944.00 | $1944.00 | $1944.00 | $1944.00 | $2819.34 | $2646.49 | $2645.47 | $2552.59 | $2552.59 | $2552.59 | $2552.59 | $2552.59 | $2552.59 | $2552.59 | $2552.59 | $2552.59 | $2797.68 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1944.00000<br> $1944.00000<br> $1944.00000<br> $1944.00000<br> $1944.00000<br> $2819.34000<br> $2646.49000<br> $2645.47000<br> $2552.59000<br> $2552.59000<br> $2552.59000<br> $2552.59000<br> $2552.59000<br> $2552.59000<br> $2552.59000<br> $2552.59000<br> $2552.59000<br> $2797.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.200% | 0.000% | 0.000% | 46.500% | $1816.76 | $43602.29 |
| 40898815 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $341852.77 | 5.875% | $2096.02 | $3720.73 | 2025-03-28 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,720.73 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,096.02 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | $3918.88 | $3918.88 | $3918.88 | $3918.88 | $3918.88 | $3918.88 | $4310.38 | $4310.38 | $4310.38 | $4310.38 | $138983.31 | $2928.11 | $2928.11 | $0.00 | $8162.56 | $3852.18 | $3720.73 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000100000000000000000000 | 000000000000000000001000 | 2025-03-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3918.88000<br> $3918.88000<br> $3918.88000<br> $3918.88000<br> $3918.88000<br> $3918.88000<br> $4310.38000<br> $4310.38000<br> $4310.38000<br> $4310.38000<br> $138983.31000<br> $2928.11000<br> $2928.11000<br> $0.00000<br> $8162.56000<br> $3852.18000<br> $3720.73000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 225.500% | 0.000% | 0.000% | 41.800% | $8388.74 | $201329.80 |
| 89315053 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | $315071.94 | 4.000% | $1791.50 | $3107.94 | 2025-04-04 | 2025-05-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,107.94 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,791.50 with an interest rate of 4.000%. The current UPB reflected as per payment history is xx. | $2800.00 | $2800.00 | $2800.00 | $2800.00 | $2800.00 | $5616.00 | $2800.00 | $2800.00 | $2800.00 | $0.00 | $0.00 | $7454.04 | $0.00 | $0.00 | $1791.50 | $0.00 | $6690.94 | $3107.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 002110010000000000000000 | 000000000000000010011200 | 2025-04-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2800.00000<br> $2800.00000<br> $2800.00000<br> $2800.00000<br> $2800.00000<br> $5616.00000<br> $2800.00000<br> $2800.00000<br> $2800.00000<br> $0.00000<br> $0.00000<br> $7454.04000<br> $0.00000<br> $0.00000<br> $1791.50000<br> $0.00000<br> $6690.94000<br> $3107.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 63.100% | 0.000% | 0.000% | 31.100% | $1960.85 | $47060.42 |
| 90103154 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $348030.45 | 6.000% | $1740.15 | $2648.34 | 2025-04-01 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,648.34, which was applied for the due date of xx/xx/2025. The current monthly payment is $1,740.15 with an interest rate of 6.00%. The current UPB reflected as per the payment history is xx. | $2322.64 | $1498.72 | $2322.64 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $11564.78 | $2648.34 | $0.00 | $0.00 | $2648.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000004444444443222212222 | 222212222344444444400000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2322.64000<br> $1498.72000<br> $2322.64000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $11564.78000<br> $2648.34000<br> $0.00000<br> $0.00000<br> $2648.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 36.200% | 0.000% | 0.000% | 53.100% | $958.56 | $23005.46 |
| 98914713 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $63788.89 | 6.000% | $839.38 | $1053.57 | 2025-03-18 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,053.57 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $839.38 with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx. As per the tape data, there is a deferred amount of $1,678.76. The collection comment shows the 2 payments were deferred in the amount of $1,678.76. | $1100.87 | $2201.74 | $0.00 | $2201.74 | $0.00 | $2107.14 | $1053.57 | $0.00 | $0.00 | $0.00 | $2107.14 | $3160.71 | $1053.57 | $0.00 | $839.38 | $839.38 | $1053.57 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 111100232100101011102111 | 111201110101001232001111 | 2025-02-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1100.87000<br> $2201.74000<br> $0.00000<br> $2201.74000<br> $0.00000<br> $2107.14000<br> $1053.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2107.14000<br> $3160.71000<br> $1053.57000<br> $0.00000<br> $839.38000<br> $839.38000<br> $1053.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.100% | 0.000% | 0.000% | 29.900% | $738.28 | $17718.81 |
| 30936735 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Kentucky | xx | $80636.89 | 10.759% | $846.74 | $846.74 | 2025-04-08 | 2025-05-12 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $846.74, which was applied for the due date of xx/xx/2025. The current P&I is $846.74 with an interest rate of 10.759%. The current UPB reflected as per the payment history is xx. | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $846.74 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $846.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $635.06 | $15241.32 |
| 18306735 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $453423.70 | 6.625% | $3010.04 | $4131.91 | 2025-04-04 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,131.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,010.04 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx.<br> As per the collection comment dated xx/xx/2025, the payment made in the month of xxx 2025 is paid by the BWR. | $3688.12 | $3688.12 | $3688.12 | $0.00 | $11064.36 | $0.00 | $7116.14 | $0.00 | $3688.12 | $0.00 | $0.00 | $0.00 | $0.00 | $7820.03 | $4131.91 | $0.00 | $28923.37 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 044444432211021111222211 | 112222111120112234444440 | 2025-03-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3688.12000<br> $3688.12000<br> $3688.12000<br> $0.00000<br> $11064.36000<br> $0.00000<br> $7116.14000<br> $0.00000<br> $3688.12000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7820.03000<br> $4131.91000<br> $0.00000<br> $28923.37000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.400% | 0.000% | 0.000% | 82.400% | $3075.35 | $73808.29 |
| 99136714 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Colorado | xx | $349667.00 | 2.875% | $2949.89 | $3440.11 | 2025-04-10 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,440.11 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,949.89 with an interest rate of 2.875%. The current UPB is xx. | $0.00 | $3308.98 | $3308.98 | $3308.98 | $6654.46 | $3345.48 | $3440.11 | $3440.11 | $3440.11 | $3440.11 | $3440.11 | $3440.11 | $3440.11 | $3440.11 | $0.00 | $3440.11 | $3440.11 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000MMMMMMMM | MMMMMMMM0000000000000000 | 2025-03-17 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $3308.98000<br> $3308.98000<br> $3308.98000<br> $6654.46000<br> $3345.48000<br> $3440.11000<br> $3440.11000<br> $3440.11000<br> $3440.11000<br> $3440.11000<br> $3440.11000<br> $3440.11000<br> $3440.11000<br> $0.00000<br> $3440.11000<br> $3440.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.800% | 0.000% | 0.000% | 33.300% | $2263.67 | $54327.98 |
| 92304988 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $226236.63 | 5.250% | $1261.05 | $1467.33 | 2025-04-10 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,467.33 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,261.05 with an interest rate of 5.250%. The current UPB is xx. | $0.00 | $1186.74 | $0.00 | $1186.74 | $1186.74 | $1186.74 | $2373.48 | $0.00 | $0.00 | $0.00 | $0.00 | $5018.75 | $1467.33 | $0.00 | $1467.33 | $2935.33 | $1468.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000014444444444444444 | 444444444444444410000000 | 2025-03-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1186.74000<br> $0.00000<br> $1186.74000<br> $1186.74000<br> $1186.74000<br> $2373.48000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5018.75000<br> $1467.33000<br> $0.00000<br> $1467.33000<br> $2935.33000<br> $1468.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 55.300% | 0.000% | 0.000% | 41.700% | $811.55 | $19477.18 |
| 15443640 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $330264.00 | 3.250% | $1544.98 | $1919.15 | 2025-04-10 | 2025-05-01 | 0 | According to the review of the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,919.15, which was applied to the due date of xx/xx/2025. The current P&I is $1,544.98 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $3569.40 | $1784.70 | $1935.27 | $1826.71 | $1826.71 | $1826.71 | $1919.15 | $1919.15 | $1919.15 | $1919.15 | $1919.15 | $1919.15 | $1919.15 | $1919.15 | $3838.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000001MMMMMMM | MMMMMMM10000000000000000 | 2025-03-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $3569.40000<br> $1784.70000<br> $1935.27000<br> $1826.71000<br> $1826.71000<br> $1826.71000<br> $1919.15000<br> $1919.15000<br> $1919.15000<br> $1919.15000<br> $1919.15000<br> $1919.15000<br> $1919.15000<br> $1919.15000<br> $3838.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.400% | 0.000% | 0.000% | 50.000% | $1331.71 | $31961.00 |
| 52310334 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $252561.17 | 3.125% | $940.71 | $2080.70 | 2025-03-31 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,080.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $940.71 with an interest rate of 3.125%. The current UPB reflected as per the payment history is xx. | $1749.20 | $1749.20 | $1749.20 | $1797.38 | $1797.38 | $1845.56 | $1796.38 | $0.00 | $1844.41 | $3631.77 | $1797.38 | $2120.74 | $2120.74 | $2120.74 | $2120.74 | $2080.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 100000001100000000044444 | 444440000000001100000001 | 2025-02-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1749.20000<br> $1749.20000<br> $1749.20000<br> $1797.38000<br> $1797.38000<br> $1845.56000<br> $1796.38000<br> $0.00000<br> $1844.41000<br> $3631.77000<br> $1797.38000<br> $2120.74000<br> $2120.74000<br> $2120.74000<br> $2120.74000<br> $2080.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 60.700% | 0.000% | 0.000% | 33.800% | $1263.40 | $30321.52 |
| 30552383 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $812500.00 | 4.250% | $2877.60 | $2877.60 | 2025-04-10 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,877.60 (PITI), which was applied for the due date of xx/xx/2025. The current monthly payment is $2,877.60 with an interest rate of 4.250%. The current UPB reflected as per the payment history is xx. The loan is interest-only for 120 months. | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $2877.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $2877.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $2158.20 | $51796.80 |
| 16683127 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $255000.00 | 3.990% | $847.88 | $1933.15 | 2025-04-01 | 2025-05-01 | 0 | The loan is interest-only for 120 months. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,933.15, which was applied for the due date of xx/xx/2025. The current monthly interest payment is $847.88 with an interest rate of 3.99%. The current UPB reflected as per the payment history is xx. | $1778.93 | $1778.93 | $1778.93 | $1778.93 | $1778.93 | $1778.93 | $1778.93 | $847.88 | $945.88 | $1933.15 | $1933.15 | $1933.15 | $1933.15 | $1933.15 | $1933.15 | $1933.15 | $1933.15 | $1933.15 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1778.93000<br> $1778.93000<br> $1778.93000<br> $1778.93000<br> $1778.93000<br> $1778.93000<br> $1778.93000<br> $847.88000<br> $945.88000<br> $1933.15000<br> $1933.15000<br> $1933.15000<br> $1933.15000<br> $1933.15000<br> $1933.15000<br> $1933.15000<br> $1933.15000<br> $1933.15000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.200% | 0.000% | 0.000% | 50.000% | $1318.53 | $31644.62 |
| 40449299 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | $233206.94 | 6.500% | $1516.96 | $2192.05 | 2025-04-16 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,192.05 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,516.96 with an interest rate of 6.500%. The current UPB is xx. As per the comment dated xx/xx/2023, the due dates were advanced from xx/xx/2023 to xx/xx/2023 due to deferment. | $1911.18 | $0.00 | $1912.23 | $3824.46 | $1912.23 | $1912.23 | $1912.23 | $0.00 | $0.00 | $1912.23 | $0.00 | $0.00 | $3823.28 | $4104.28 | $2192.46 | $2192.05 | $2192.05 | $2192.05 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000001212210000110321111 | 111123011000012212100000 | 2025-04-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1911.18000<br> $0.00000<br> $1912.23000<br> $3824.46000<br> $1912.23000<br> $1912.23000<br> $1912.23000<br> $0.00000<br> $0.00000<br> $1912.23000<br> $0.00000<br> $0.00000<br> $3823.28000<br> $4104.28000<br> $2192.46000<br> $2192.05000<br> $2192.05000<br> $2192.05000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 60.800% | 0.000% | 0.000% | 63.500% | $1333.04 | $31992.96 |
| 91991097 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $322292.97 | 6.000% | $1971.32 | $1980.73 | 2025-04-10 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,980.73 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,971.32 with an interest rate of 6.00%. The current UPB reflected as per the payment history is xx. | $1971.32 | $1971.32 | $1971.32 | $1971.32 | $0.00 | $0.00 | $0.00 | $1971.32 | $1971.32 | $0.00 | $1971.32 | $3942.64 | $5913.96 | $3942.64 | $1980.73 | $1980.73 | $1980.73 | $1980.73 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000013443332100000 | 0000012333443100000 | 2025-04-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1971.32000<br> $1971.32000<br> $1971.32000<br> $1971.32000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1971.32000<br> $1971.32000<br> $0.00000<br> $1971.32000<br> $3942.64000<br> $5913.96000<br> $3942.64000<br> $1980.73000<br> $1980.73000<br> $1980.73000<br> $1980.73000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.700% | 0.000% | 0.000% | 74.800% | $1480.06 | $35521.40 |
| 95645654 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $271357.00 | 6.125% | $1650.40 | $2110.26 | 2025-04-30 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower has been delinquent for 1 month with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,110.26 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,650.40 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2110.26 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11 | 11 | 2025-04-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2110.26000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $87.93 | $2110.26 |
| 41954300 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Arkansas | xx | $178208.66 | 7.125% | $1212.69 | $1212.69 | 2025-05-13 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,212.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,212.69 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1414.20 | $1414.20 | $1414.20 | $1414.20 | $1414.20 | $1414.20 | $2828.40 | $0.00 | $1414.20 | $1298.49 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-05-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1414.20000<br> $1414.20000<br> $1414.20000<br> $1414.20000<br> $1414.20000<br> $1414.20000<br> $2828.40000<br> $0.00000<br> $1414.20000<br> $1298.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.200% | 0.000% | 17.800% | 67.200% | $584.43 | $14026.29 |
| 46654775 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $639619.70 | 7.500% | $4510.28 | $6275.01 | 2025-05-14 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,510.28, which was applied for the due date of xx/xx/2025. The current P&I is $4,510.28 with an interest rate of 7.500%. The current UPB is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6275.01 | $6275.01 | $6275.01 | $6275.01 | $6275.01 | $6275.01 | $13550.02 | $0.00 | $4510.28 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-05-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6275.01000<br> $6275.01000<br> $6275.01000<br> $6275.01000<br> $6275.01000<br> $6275.01000<br> $13550.02000<br> $0.00000<br> $4510.28000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.000% | 0.000% | 12.000% | 57.300% | $2321.27 | $55710.36 |
| 91459689 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Oregon | xx | $323021.13 | 7.625% | $2299.94 | $2774.34 | 2025-05-14 | 2025-06-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,774.34 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,299.94 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2774.34 | $2774.34 | $2774.34 | $2774.34 | $2774.34 | $2774.34 | $2774.34 | $2774.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-05-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2774.34000<br> $2774.34000<br> $2774.34000<br> $2774.34000<br> $2774.34000<br> $2774.34000<br> $2774.34000<br> $2774.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 16.700% | 58.300% | $924.78 | $22194.72 |
| 64878014 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $182140.79 | 2.000% | $561.83 | $1421.21 | 2025-01-02 | 2024-12-01 | 1 | As of xx/xx/2017 shows the payments are delinquent for more than 120+ days and next due for xx/xx/2016. The last payment was received on xx/xx/2017 for due date xx/xx/2015 in the amount of $561.83 towards PITI. The UPB reflected in payment history is xx however the stated rate is 2%. | $29689.89 | $0.00 | $1768.02 | $1800.00 | $1800.00 | $3179.36 | $0.00 | $3536.04 | $0.00 | $1768.02 | $1768.02 | $1768.02 | $1768.02 | $1768.02 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444444444444 | 444444444444 | 2024-12-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $29689.89000<br> $0.00000<br> $1768.02000<br> $1800.00000<br> $1800.00000<br> $3179.36000<br> $0.00000<br> $3536.04000<br> $0.00000<br> $1768.02000<br> $1768.02000<br> $1768.02000<br> $1768.02000<br> $1768.02000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 148.400% | 0.000% | 0.000% | 20.700% | $2108.89 | $50613.41 |
| 40520368 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $370313.35 | 2.875% | $1461.50 | $2993.82 | 2025-06-10 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,993.82 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,461.50 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx and deferred balance is $xx. | $2834.45 | $2834.45 | $2850.90 | $2850.90 | $2850.90 | $2850.90 | $2850.90 | $2850.90 | $2850.90 | $2850.90 | $2850.90 | $2850.90 | $2850.90 | $2850.90 | $2993.82 | $2993.82 | $2993.82 | $2993.82 | $2993.82 | $2993.82 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2834.45000<br> $2834.45000<br> $2850.90000<br> $2850.90000<br> $2850.90000<br> $2850.90000<br> $2850.90000<br> $2850.90000<br> $2850.90000<br> $2850.90000<br> $2850.90000<br> $2850.90000<br> $2850.90000<br> $2850.90000<br> $2993.82000<br> $2993.82000<br> $2993.82000<br> $2993.82000<br> $2993.82000<br> $2993.82000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.500% | 0.000% | 33.300% | 65.900% | $2410.11 | $57842.62 |
| 30226207 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $1342314.36 | 9.625% | $11582.95 | $14638.17 | 2025-06-02 | 2025-07-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx, and the interest rate is 9.625. The current UPB reflected as per payment history is $xx | $12300.74 | $12300.74 | $12300.74 | $14836.23 | $0.00 | $29672.46 | $14836.23 | $14714.44 | $14714.44 | $15095.23 | $15095.23 | $15095.23 | $15095.23 | $15095.23 | $15095.23 | $15095.23 | $14638.17 | $14638.17 | $14638.17 | $14638.17 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $12300.74000<br> $12300.74000<br> $12300.74000<br> $14836.23000<br> $0.00000<br> $29672.46000<br> $14836.23000<br> $14714.44000<br> $14714.44000<br> $15095.23000<br> $15095.23000<br> $15095.23000<br> $15095.23000<br> $15095.23000<br> $15095.23000<br> $15095.23000<br> $14638.17000<br> $14638.17000<br> $14638.17000<br> $14638.17000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.500% | 0.000% | 33.300% | 67.700% | $12078.97 | $289895.31 |
| 84553886 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | $232555.27 | 2.515% | $1009.49 | $1426.18 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,426.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,009.49 with an interest rate of 2.515%. The current UPB reflected as per the payment history is $xx | $1401.77 | $1401.77 | $1401.77 | $1401.77 | $1401.71 | $1401.71 | $1401.71 | $1401.71 | $1401.71 | $1401.71 | $1401.71 | $1401.71 | $1401.71 | $1401.71 | $1401.71 | $1401.71 | $1401.71 | $1426.18 | $1426.18 | $1426.18 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1401.77000<br> $1401.77000<br> $1401.77000<br> $1401.77000<br> $1401.71000<br> $1401.71000<br> $1401.71000<br> $1401.71000<br> $1401.71000<br> $1401.71000<br> $1401.71000<br> $1401.71000<br> $1401.71000<br> $1401.71000<br> $1401.71000<br> $1401.71000<br> $1401.71000<br> $1426.18000<br> $1426.18000<br> $1426.18000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.100% | 0.000% | 33.300% | 66.000% | $1171.16 | $28107.85 |
| 2336866 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $369088.82 | 3.000% | $1387.55 | $2572.43 | 2025-05-29 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,572.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,387.55 with an interest rate of 3.00%. The current UPB reflected as per the tape is xx, and the deferred balance is $xx<br>| $2461.19 | $2506.20 | $2506.20 | $2506.20 | $2506.20 | $2506.20 | $2506.20 | $2506.20 | $2506.20 | $2506.20 | $2506.20 | $2506.20 | $0.00 | $5078.63 | $2572.43 | $2572.43 | $2572.43 | $2572.43 | $2572.43 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000100000000000000000 | 000000000000000001000000 | 2025-05-29 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2461.19000<br> $2506.20000<br> $2506.20000<br> $2506.20000<br> $2506.20000<br> $2506.20000<br> $2506.20000<br> $2506.20000<br> $2506.20000<br> $2506.20000<br> $2506.20000<br> $2506.20000<br> $0.00000<br> $5078.63000<br> $2572.43000<br> $2572.43000<br> $2572.43000<br> $2572.43000<br> $2572.43000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.700% | 0.000% | 16.700% | 58.100% | $1998.76 | $47970.17 |
| 64908005 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $100287.96 | 4.500% | $615.88 | $1413.95 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,413.95 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $615.88 and interest rate is 4.500%. The current UPB is xx and deferred balance is $xx. | $1075.27 | $1075.27 | $1075.27 | $1075.27 | $1137.49 | $1137.49 | $1137.49 | $1137.49 | $1137.49 | $1137.49 | $1137.49 | $1137.49 | $1137.49 | $1137.49 | $1137.49 | $1137.49 | $1413.95 | $1413.95 | $1413.95 | $1413.95 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1075.27000<br> $1075.27000<br> $1075.27000<br> $1075.27000<br> $1137.49000<br> $1137.49000<br> $1137.49000<br> $1137.49000<br> $1137.49000<br> $1137.49000<br> $1137.49000<br> $1137.49000<br> $1137.49000<br> $1137.49000<br> $1137.49000<br> $1137.49000<br> $1413.95000<br> $1413.95000<br> $1413.95000<br> $1413.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.600% | 0.000% | 33.300% | 60.100% | $983.62 | $23606.76 |
| 15825453 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $94783.48 | 4.500% | $596.88 | $1177.19 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1177.19(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $596.88 with an interest rate of 4.500%. The current UPB is $x x | $1026.97 | $1026.97 | $1026.97 | $1026.97 | $1114.65 | $1314.65 | $2913.65 | $1628.65 | $1628.65 | $1114.65 | $1628.65 | $1628.65 | $1622.10 | $1214.65 | $1172.94 | $1971.94 | $2249.26 | $1988.52 | $2531.62 | $1718.19 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1026.97000<br> $1026.97000<br> $1026.97000<br> $1026.97000<br> $1114.65000<br> $1314.65000<br> $2913.65000<br> $1628.65000<br> $1628.65000<br> $1114.65000<br> $1628.65000<br> $1628.65000<br> $1622.10000<br> $1214.65000<br> $1172.94000<br> $1971.94000<br> $2249.26000<br> $1988.52000<br> $2531.62000<br> $1718.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 111.700% | 0.000% | 60.200% | 102.400% | $1314.55 | $31549.30 |
| 72304677 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $905974.05 | 5.750% | $5386.38 | $6303.23 | 2025-06-05 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,303.23 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,386.23 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $6256.66 | $6256.66 | $6256.66 | $6256.66 | $6256.66 | $6256.66 | $6256.66 | $6256.66 | $6256.66 | $6256.66 | $6256.66 | $6256.66 | $6303.23 | $6303.23 | $6303.23 | $6303.23 | $6303.23 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000 | 00000000000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $6256.66000<br> $6256.66000<br> $6256.66000<br> $6256.66000<br> $6256.66000<br> $6256.66000<br> $6256.66000<br> $6256.66000<br> $6256.66000<br> $6256.66000<br> $6256.66000<br> $6256.66000<br> $6303.23000<br> $6303.23000<br> $6303.23000<br> $6303.23000<br> $6303.23000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.500% | 0.000% | 33.300% | 66.500% | $4441.50 | $106596.07 |
| 60081522 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | $170090.92 | 2.750% | $765.46 | $983.19 | 2025-05-28 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $983.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $765.46 with an interest rate of 2.750%. The current UPB reflected as per the payment history is xx. | $1071.01 | $1071.01 | $1067.83 | $1067.83 | $1067.83 | $1067.83 | $1067.83 | $0.00 | $2135.66 | $1067.83 | $1067.83 | $1067.83 | $1067.83 | $1067.83 | $1083.19 | $1083.19 | $1083.19 | $1083.19 | $1083.19 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1071.01000<br> $1071.01000<br> $1067.83000<br> $1067.83000<br> $1067.83000<br> $1067.83000<br> $1067.83000<br> $0.00000<br> $2135.66000<br> $1067.83000<br> $1067.83000<br> $1067.83000<br> $1067.83000<br> $1067.83000<br> $1083.19000<br> $1083.19000<br> $1083.19000<br> $1083.19000<br> $1083.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.300% | 0.000% | 18.400% | 64.000% | $848.83 | $20371.93 |
| 43561624 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $149916.52 | 3.875% | $987.50 | $1491.46 | 2025-06-13 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,491.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $987.50 with an interest rate of 3.875%. The current UPB is $xx | $1471.95 | $1505.49 | $1505.49 | $1505.49 | $1505.49 | $1505.49 | $1505.49 | $1505.49 | $1505.49 | $1505.49 | $1505.49 | $1505.49 | $1469.66 | $1469.66 | $1491.46 | $1491.46 | $1491.46 | $1491.46 | $1491.46 | $1491.46 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1471.95000<br> $1505.49000<br> $1505.49000<br> $1505.49000<br> $1505.49000<br> $1505.49000<br> $1505.49000<br> $1505.49000<br> $1505.49000<br> $1505.49000<br> $1505.49000<br> $1505.49000<br> $1469.66000<br> $1469.66000<br> $1491.46000<br> $1491.46000<br> $1491.46000<br> $1491.46000<br> $1491.46000<br> $1491.46000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.600% | 0.000% | 33.300% | 66.400% | $1246.68 | $29920.42 |
| 61933046 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Montana | xx | $999841.04 | 3.750% | $5036.38 | $6616.84 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,616.84 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,036.38 with an interest rate of 3.750%. The current UPB reflected as per the payment history isxx | $13105.84 | $0.00 | $13170.32 | $6617.40 | $6617.40 | $6617.40 | $0.00 | $6617.40 | $6617.40 | $6617.40 | $6617.40 | $13234.80 | $0.00 | $5036.38 | $6617.40 | $6616.84 | $6616.84 | $6616.84 | $6616.84 | $6616.84 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $13105.84000<br> $0.00000<br> $13170.32000<br> $6617.40000<br> $6617.40000<br> $6617.40000<br> $0.00000<br> $6617.40000<br> $6617.40000<br> $6617.40000<br> $6617.40000<br> $13234.80000<br> $0.00000<br> $5036.38000<br> $6617.40000<br> $6616.84000<br> $6616.84000<br> $6616.84000<br> $6616.84000<br> $6616.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.200% | 0.000% | 33.300% | 56.300% | $5440.45 | $130570.74 |
| 87541294 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $691688.62 | 2.990% | $3166.41 | $4135.81 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,135.81(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,166.41 with an interest rate of 2.990%. The current UPB reflected as per the payment history isxx. | $0.00 | $4135.81 | $0.00 | $4135.81 | $4135.81 | $8271.62 | $0.00 | $4135.81 | $8271.62 | $0.00 | $4135.81 | $4135.81 | $4135.81 | $4135.81 | $4135.81 | $4135.81 | $4135.81 | $4135.81 | $4135.81 | $4135.81 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000MMMM00 | 00MMMM000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $4135.81000<br> $0.00000<br> $4135.81000<br> $4135.81000<br> $8271.62000<br> $0.00000<br> $4135.81000<br> $8271.62000<br> $0.00000<br> $4135.81000<br> $4135.81000<br> $4135.81000<br> $4135.81000<br> $4135.81000<br> $4135.81000<br> $4135.81000<br> $4135.81000<br> $4135.81000<br> $4135.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 33.300% | 66.700% | $3101.86 | $74444.58 |
| 8660357 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $424818.99 | 3.750% | $2083.26 | $3364.84 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,364.84 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,083.26 with an interest rate of 3.750%. The current UPB reflected as per the payment history isxx | $2281.63 | $2281.63 | $2281.63 | $2281.63 | $2281.63 | $2281.63 | $2281.63 | $2281.63 | $2281.63 | $2281.63 | $2281.63 | $2281.63 | $2754.68 | $2754.68 | $2754.68 | $2754.68 | $2754.68 | $2754.68 | $2754.68 | $3364.85 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2281.63000<br> $2281.63000<br> $2281.63000<br> $2281.63000<br> $2281.63000<br> $2281.63000<br> $2281.63000<br> $2281.63000<br> $2281.63000<br> $2281.63000<br> $2281.63000<br> $2281.63000<br> $2754.68000<br> $2754.68000<br> $2754.68000<br> $2754.68000<br> $2754.68000<br> $2754.68000<br> $2754.68000<br> $3364.85000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 61.900% | 0.000% | 30.300% | 56.100% | $2084.47 | $50027.17 |
| 11101253 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $515397.47 | 6.990% | $3489.32 | $4642.41 | 2025-06-06 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,642.41(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,489.32 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. Due dates are advanced from xx/xx/24 to xx/xx/2024. | $8492.58 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4402.85 | $4402.85 | $4421.60 | $4421.60 | $4421.60 | $4642.41 | $4642.41 | $4642.41 | $4642.41 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000444444321000 | 000123444444000000000 | 2025-06-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $8492.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4402.85000<br> $4402.85000<br> $4421.60000<br> $4421.60000<br> $4421.60000<br> $4642.41000<br> $4642.41000<br> $4642.41000<br> $4642.41000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 44.100% | 0.000% | 33.300% | 65.000% | $2047.20 | $49132.72 |
| 69187773 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | $366004.70 | 3.000% | $1728.16 | $2540.97 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,540.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,728.16 with an interest rate of 3.00%. The current UPB reflected as per the payment history is $xx | $868.54 | $2893.05 | $2716.99 | $2716.99 | $2716.99 | $2540.97 | $2424.08 | $2424.08 | $0.00 | $2607.00 | $2607.00 | $2607.00 | $2540.97 | $2540.97 | $2540.97 | $2540.97 | $2540.97 | $2540.97 | $2540.97 | $2540.97 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000010000000001344 | 44310000000001000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $868.54000<br> $2893.05000<br> $2716.99000<br> $2716.99000<br> $2716.99000<br> $2540.97000<br> $2424.08000<br> $2424.08000<br> $0.00000<br> $2607.00000<br> $2607.00000<br> $2607.00000<br> $2540.97000<br> $2540.97000<br> $2540.97000<br> $2540.97000<br> $2540.97000<br> $2540.97000<br> $2540.97000<br> $2540.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.800% | 0.000% | 33.300% | 66.700% | $1977.10 | $47450.45 |
| 59418757 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $312252.98 | 5.019% | $1688.10 | $2635.39 | 2025-05-30 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,635.39 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,688.10 with an interest rate of 5.019%. The current UPB reflected as per the payment history is xx | $0.00 | $2857.87 | $0.00 | $5655.74 | $2797.87 | $2797.87 | $2797.87 | $0.00 | $5595.74 | $2797.87 | $2797.87 | $2935.39 | $0.00 | $5870.78 | $0.00 | $2935.39 | $5370.78 | $0.00 | $5590.78 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $2857.87000<br> $0.00000<br> $5655.74000<br> $2797.87000<br> $2797.87000<br> $2797.87000<br> $0.00000<br> $5595.74000<br> $2797.87000<br> $2797.87000<br> $2935.39000<br> $0.00000<br> $5870.78000<br> $0.00000<br> $2935.39000<br> $5370.78000<br> $0.00000<br> $5590.78000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.300% | 0.000% | 35.400% | 62.500% | $2116.74 | $50801.82 |
| 60381650 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $315090.12 | 7.990% | $2329.32 | $2703.32 | 2025-06-10 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,703.32 (PITI), which was applied for the due date of xx/xx/2025. The current interest P&I is $2,329.32 with an interest rate of 7.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2701.07 | $2701.07 | $2701.07 | $2701.07 | $2701.07 | $2701.07 | $2701.07 | $2701.07 | $2701.07 | $2701.07 | $2703.32 | $2703.32 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-06-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2701.07000<br> $2701.07000<br> $2701.07000<br> $2701.07000<br> $2701.07000<br> $2701.07000<br> $2701.07000<br> $2701.07000<br> $2701.07000<br> $2701.07000<br> $2703.32000<br> $2703.32000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 33.300% | 66.600% | $1350.72 | $32417.34 |
| 33921466 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $282250.93 | 3.000% | $2320.36 | $2320.36 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,320.36 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,320.36 with an interest rate of 3.000%. The current UPB reflected as per the payment history is $xx | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $2320.36 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $2320.36000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 33.300% | 66.700% | $1933.63 | $46407.20 |
| 30526366 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Rhode Island | xx | $166679.83 | 2.875% | $785.57 | $1291.02 | 2025-06-12 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,291.02 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $785.57 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx. | $1553.70 | $1553.70 | $1553.70 | $1553.70 | $1553.70 | $1553.70 | $1553.70 | $1553.70 | $1301.87 | $1301.87 | $1301.87 | $1291.02 | $1291.02 | $1291.02 | $1291.02 | $1291.02 | $1291.02 | $1291.02 | $1291.02 | $1291.02 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-12 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1553.70000<br> $1553.70000<br> $1553.70000<br> $1553.70000<br> $1553.70000<br> $1553.70000<br> $1553.70000<br> $1553.70000<br> $1301.87000<br> $1301.87000<br> $1301.87000<br> $1291.02000<br> $1291.02000<br> $1291.02000<br> $1291.02000<br> $1291.02000<br> $1291.02000<br> $1291.02000<br> $1291.02000<br> $1291.02000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.200% | 0.000% | 33.300% | 66.700% | $1164.77 | $27954.39 |
| 36181032 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $495608.86 | 6.990% | $3333.79 | $4597.80 | 2025-06-16 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,597.80 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,333.79 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4145.68 | $4145.68 | $4145.68 | $4145.68 | $4145.68 | $4145.68 | $4145.68 | $4145.68 | $4145.68 | $4671.73 | $4671.73 | $4597.80 | $4597.80 | $4597.80 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4145.68000<br> $4145.68000<br> $4145.68000<br> $4145.68000<br> $4145.68000<br> $4145.68000<br> $4145.68000<br> $4145.68000<br> $4145.68000<br> $4671.73000<br> $4671.73000<br> $4597.80000<br> $4597.80000<br> $4597.80000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.800% | 0.000% | 33.300% | 64.500% | $2518.67 | $60447.98 |
| 91426616 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | $348219.53 | 8.060% | $2590.70 | $3048.81 | 2025-05-16 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,048.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,590.70 with an interest rate of 8.060%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3048.81 | $3048.81 | $3048.81 | $3048.81 | $3048.81 | $3178.31 | $3048.81 | $3048.81 | $3048.81 | $3048.81 | $3048.81 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-05-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3048.81000<br> $3048.81000<br> $3048.81000<br> $3048.81000<br> $3048.81000<br> $3178.31000<br> $3048.81000<br> $3048.81000<br> $3048.81000<br> $3048.81000<br> $3048.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 46.000% | 0.000% | 16.700% | 58.700% | $1402.77 | $33666.41 |
| 87382448 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $331698.44 | 7.990% | $2455.78 | $2936.92 | 2025-05-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,936.92 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,455.78 with an interest rate of 7.990%. The current UPB reflected as per the payment history is $x | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2936.92 | $2936.92 | $2936.92 | $2936.92 | $2936.92 | $2936.92 | $2936.92 | $2936.92 | $2936.92 | $3100.00 | $3104.00 | $3100.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-05-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2936.92000<br> $2936.92000<br> $2936.92000<br> $2936.92000<br> $2936.92000<br> $2936.92000<br> $2936.92000<br> $2936.92000<br> $2936.92000<br> $3100.00000<br> $3104.00000<br> $3100.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.700% | 0.000% | 17.600% | 59.700% | $1489.01 | $35736.28 |
| 26269042 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $390861.93 | 2.990% | $1808.06 | $1898.06 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,898.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,808.06 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $3x | $2394.81 | $2394.81 | $2394.81 | $2394.81 | $2394.81 | $4789.62 | $2457.90 | $0.00 | $2500.00 | $2457.90 | $2457.90 | $0.00 | $0.00 | $0.00 | $2359.88 | $2359.88 | $2448.06 | $2448.06 | $2448.06 | $1898.06 | $0.00 | $0.00 | $0.00 | $0.00 | 000000MMM000000000000000 | 000000000000000MMM000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2394.81000<br> $2394.81000<br> $2394.81000<br> $2394.81000<br> $2394.81000<br> $4789.62000<br> $2457.90000<br> $0.00000<br> $2500.00000<br> $2457.90000<br> $2457.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2359.88000<br> $2359.88000<br> $2448.06000<br> $2448.06000<br> $2448.06000<br> $1898.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.100% | 0.000% | 38.200% | 61.300% | $1691.64 | $40599.37 |
| 312288 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $51361.00 | 7.141% | $338.93 | $338.93 | 2025-05-13 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan. and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $338.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $338.93 with an interest rate of 7.141%. The current UPB reflected as per the payment history is xx | $586.60 | $901.89 | $630.58 | $1261.16 | $630.58 | $630.58 | $630.58 | $630.58 | $630.58 | $630.58 | $630.58 | $630.58 | $945.87 | $993.15 | $338.93 | $677.86 | $677.86 | $1016.79 | $338.93 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-12 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $586.60000<br> $901.89000<br> $630.58000<br> $1261.16000<br> $630.58000<br> $630.58000<br> $630.58000<br> $630.58000<br> $630.58000<br> $630.58000<br> $630.58000<br> $630.58000<br> $945.87000<br> $993.15000<br> $338.93000<br> $677.86000<br> $677.86000<br> $1016.79000<br> $338.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 164.900% | 0.000% | 16.700% | 122.700% | $558.93 | $13414.26 |
| 58971973 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $348291.02 | 3.250% | $1653.78 | $2299.09 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,299.09 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,653.78 with an interest rate of 3.250%. The current UPB reflected as per the payment history isxx<br>| $0.00 | $0.00 | $0.00 | $2291.30 | $4582.60 | $2291.30 | $2291.30 | $2300.03 | $2299.83 | $2299.83 | $2299.83 | $2299.83 | $2299.09 | $2299.09 | $2299.09 | $2299.09 | $2299.09 | $2299.09 | $2299.09 | $2299.09 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000011MMMM00 | 00MMMM110000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $2291.30000<br> $4582.60000<br> $2291.30000<br> $2291.30000<br> $2300.03000<br> $2299.83000<br> $2299.83000<br> $2299.83000<br> $2299.83000<br> $2299.09000<br> $2299.09000<br> $2299.09000<br> $2299.09000<br> $2299.09000<br> $2299.09000<br> $2299.09000<br> $2299.09000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.900% | 0.000% | 33.300% | 66.700% | $1722.86 | $41348.57 |
| 55677809 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Colorado | xx | $290116.93 | 8.125% | $2171.80 | $2449.39 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,449.39 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,171.80 with an interest rate of 8.125%. The current UPB reflected as per the payment history isx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2449.39 | $2449.39 | $0.00 | $2449.39 | $2449.39 | $2449.39 | $2449.39 | $2449.39 | $2449.39 | $2449.39 | $2449.39 | $2449.39 | $2449.39 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2449.39000<br> $2449.39000<br> $0.00000<br> $2449.39000<br> $2449.39000<br> $2449.39000<br> $2449.39000<br> $2449.39000<br> $2449.39000<br> $2449.39000<br> $2449.39000<br> $2449.39000<br> $2449.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 33.300% | 66.700% | $1224.70 | $29392.68 |
| 94835262 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | $240346.97 | 8.125% | $1817.63 | $2048.36 | 2025-06-05 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,048.36 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,817.63 with an interest rate of 8.125%. The current UPB is $x | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2100.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2100.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.400% | 0.000% | 35.800% | 71.600% | $1279.17 | $30700.00 |
| 78624083 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $115850.10 | 3.250% | $579.70 | $1218.11 | 2025-06-02 | 2025-07-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,218.11 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $579.70 with an interest rate of 3.250%. The current UPB reflected as per payment history is xx. | $1219.13 | $1261.92 | $1261.92 | $1211.92 | $1211.92 | $1261.92 | $1261.92 | $0.00 | $2423.84 | $1261.92 | $1211.92 | $0.00 | $1161.92 | $1161.92 | $1387.63 | $1405.89 | $1405.89 | $1405.89 | $1318.11 | $1318.11 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1219.13000<br> $1261.92000<br> $1261.92000<br> $1211.92000<br> $1211.92000<br> $1261.92000<br> $1261.92000<br> $0.00000<br> $2423.84000<br> $1261.92000<br> $1211.92000<br> $0.00000<br> $1161.92000<br> $1161.92000<br> $1387.63000<br> $1405.89000<br> $1405.89000<br> $1405.89000<br> $1318.11000<br> $1318.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.600% | 0.000% | 36.100% | 72.300% | $1006.40 | $24153.69 |
| 39077992 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | $559256.67 | 3.000% | $2567.41 | $4165.74 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,165.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,567.41 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx. | $4547.28 | $4547.28 | $4547.28 | $4326.41 | $4326.41 | $4326.41 | $4326.41 | $4326.41 | $4326.41 | $4326.41 | $4326.41 | $4326.41 | $4326.41 | $4326.41 | $4326.41 | $4165.74 | $4165.74 | $4165.74 | $4165.74 | $4165.74 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4547.28000<br> $4547.28000<br> $4547.28000<br> $4326.41000<br> $4326.41000<br> $4326.41000<br> $4326.41000<br> $4326.41000<br> $4326.41000<br> $4326.41000<br> $4326.41000<br> $4326.41000<br> $4326.41000<br> $4326.41000<br> $4326.41000<br> $4165.74000<br> $4165.74000<br> $4165.74000<br> $4165.74000<br> $4165.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.400% | 0.000% | 33.300% | 67.600% | $3599.48 | $86387.46 |
| 61841367 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $244307.68 | 4.875% | $1349.49 | $2201.47 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,201.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,349.49 with an interest rate of 4.875%. The current UPB reflected is $xx | $2069.10 | $2069.10 | $2069.10 | $2069.10 | $2069.10 | $2069.10 | $2069.10 | $2069.10 | $2069.10 | $2069.10 | $2069.10 | $2069.10 | $2201.47 | $2201.47 | $2201.47 | $2201.47 | $2201.47 | $2201.47 | $2201.47 | $2201.47 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2069.10000<br> $2069.10000<br> $2069.10000<br> $2069.10000<br> $2069.10000<br> $2069.10000<br> $2069.10000<br> $2069.10000<br> $2069.10000<br> $2069.10000<br> $2069.10000<br> $2069.10000<br> $2201.47000<br> $2201.47000<br> $2201.47000<br> $2201.47000<br> $2201.47000<br> $2201.47000<br> $2201.47000<br> $2201.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.300% | 0.000% | 33.300% | 66.700% | $1768.37 | $42440.96 |
| 48266026 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $170318.73 | 2.750% | $1579.50 | $2311.52 | 2025-06-09 | 2025-07-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,311.52 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,579.50 with an interest rate of 2.750%. The current UPB reflected as per payment history is $x | $2045.20 | $2045.20 | $2045.20 | $2045.20 | $2045.20 | $2045.20 | $2045.20 | $2416.24 | $2416.24 | $2416.24 | $2416.24 | $2416.24 | $2416.24 | $2416.24 | $2416.24 | $2416.24 | $2416.24 | $2416.24 | $2416.24 | $2311.52 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2045.20000<br> $2045.20000<br> $2045.20000<br> $2045.20000<br> $2045.20000<br> $2045.20000<br> $2045.20000<br> $2416.24000<br> $2416.24000<br> $2416.24000<br> $2416.24000<br> $2416.24000<br> $2416.24000<br> $2416.24000<br> $2416.24000<br> $2416.24000<br> $2416.24000<br> $2416.24000<br> $2416.24000<br> $2311.52000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.200% | 0.000% | 34.100% | 69.300% | $1900.95 | $45622.80 |
| 82536029 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $663576.93 | 2.625% | $2891.88 | $2891.88 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,891.88 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,891.88 with an interest rate of 2.625%. The current UPB reflected as per the payment history isx | $2891.88 | $2891.88 | $2891.88 | $2891.88 | $2891.88 | $2891.88 | $2891.88 | $2891.88 | $2891.88 | $0.00 | $2891.88 | $2891.88 | $2891.88 | $0.00 | $11567.52 | $0.00 | $2891.88 | $2891.88 | $2891.88 | $2891.88 | $0.00 | $0.00 | $0.00 | $0.00 | 000000211110000000000000 | 000000000000011112000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2891.88000<br> $2891.88000<br> $2891.88000<br> $2891.88000<br> $2891.88000<br> $2891.88000<br> $2891.88000<br> $2891.88000<br> $2891.88000<br> $0.00000<br> $2891.88000<br> $2891.88000<br> $2891.88000<br> $0.00000<br> $11567.52000<br> $0.00000<br> $2891.88000<br> $2891.88000<br> $2891.88000<br> $2891.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 33.300% | 75.000% | $2409.90 | $57837.60 |
| 98188280 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $303899.06 | 8.250% | $2375.51 | $2855.90 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,855.90 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,375.51 with an interest rate of 8.250%. The current UPB reflected as per the payment history is xx. | $2567.65 | $2567.65 | $2631.28 | $2631.28 | $2631.28 | $2631.28 | $2631.28 | $2631.28 | $2631.28 | $2631.28 | $2631.28 | $2631.28 | $0.00 | $2631.28 | $2631.28 | $2631.28 | $2631.28 | $2855.90 | $2855.90 | $2855.90 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2567.65000<br> $2567.65000<br> $2631.28000<br> $2631.28000<br> $2631.28000<br> $2631.28000<br> $2631.28000<br> $2631.28000<br> $2631.28000<br> $2631.28000<br> $2631.28000<br> $2631.28000<br> $0.00000<br> $2631.28000<br> $2631.28000<br> $2631.28000<br> $2631.28000<br> $2855.90000<br> $2855.90000<br> $2855.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.700% | 0.000% | 33.300% | 55.700% | $2105.87 | $50540.92 |
| 38378364 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $277873.94 | 6.500% | $1790.57 | $3302.61 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,302.61 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,790.57 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $3000.00 | $3000.00 | $0.00 | $4053.86 | $0.00 | $2126.93 | $2126.93 | $2126.93 | $2026.93 | $2026.93 | $2026.93 | $2026.93 | $2060.85 | $2060.85 | $2060.85 | $2060.85 | $3302.61 | $3302.61 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000 | 000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $3000.00000<br> $3000.00000<br> $0.00000<br> $4053.86000<br> $0.00000<br> $2126.93000<br> $2126.93000<br> $2126.93000<br> $2026.93000<br> $2026.93000<br> $2026.93000<br> $2026.93000<br> $2060.85000<br> $2060.85000<br> $2060.85000<br> $2060.85000<br> $3302.61000<br> $3302.61000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 49.700% | 0.000% | 33.300% | 47.700% | $1641.29 | $39390.99 |
| 87711656 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $312068.86 | 3.000% | $1173.19 | $2839.28 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,839.28 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,173.19 with an interest rate of 3.00%. The current UPB reflected as per the payment history is xx and deferred balance is $xx | $2704.90 | $2704.90 | $2776.56 | $2776.56 | $2776.56 | $2776.56 | $2776.56 | $2776.56 | $2776.56 | $2776.56 | $2776.56 | $2776.56 | $2776.56 | $2776.56 | $2839.28 | $2839.28 | $2839.28 | $2839.28 | $2839.28 | $2839.28 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2704.90000<br> $2704.90000<br> $2776.56000<br> $2776.56000<br> $2776.56000<br> $2776.56000<br> $2776.56000<br> $2776.56000<br> $2776.56000<br> $2776.56000<br> $2776.56000<br> $2776.56000<br> $2776.56000<br> $2776.56000<br> $2839.28000<br> $2839.28000<br> $2839.28000<br> $2839.28000<br> $2839.28000<br> $2839.28000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.800% | 0.000% | 33.300% | 66.300% | $2323.51 | $55764.20 |
| 20231853 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $62490.08 | 3.375% | $552.84 | $780.18 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $780.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $552.84 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx | $657.94 | $657.94 | $986.91 | $657.94 | $658.67 | $658.67 | $658.67 | $658.67 | $988.00 | $0.00 | $658.67 | $658.67 | $658.67 | $658.67 | $658.67 | $658.67 | $658.67 | $780.18 | $780.18 | $780.18 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $657.94000<br> $657.94000<br> $986.91000<br> $657.94000<br> $658.67000<br> $658.67000<br> $658.67000<br> $658.67000<br> $988.00000<br> $0.00000<br> $658.67000<br> $658.67000<br> $658.67000<br> $658.67000<br> $658.67000<br> $658.67000<br> $658.67000<br> $780.18000<br> $780.18000<br> $780.18000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.300% | 0.000% | 33.300% | 60.200% | $563.94 | $13534.64 |
| 21549700 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $73828.08 | 2.750% | $644.70 | $644.70 | 2025-06-04 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $644.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $644.70 with an interest rate of 2.750%. The current UPB reflected as per the payment history is xx. | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $645.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $645.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.400% | 0.000% | 33.300% | 66.700% | $537.50 | $12900.00 |
| 1876273 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $365590.57 | 7.000% | $2596.86 | $3356.94 | 2025-05-31 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,356.94 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,596.86 with an interest rate of 7.00%. The current UPB reflected as per the payment history is xx. As per tape, the deferred balance is xx. | $2452.25 | $2452.25 | $2452.25 | $4904.50 | $0.00 | $2452.25 | $2452.25 | $4743.25 | $0.00 | $2291.00 | $2291.00 | $2291.00 | $2291.00 | $4582.00 | $0.00 | $2291.00 | $6713.88 | $0.00 | $6713.88 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2452.25000<br> $2452.25000<br> $2452.25000<br> $4904.50000<br> $0.00000<br> $2452.25000<br> $2452.25000<br> $4743.25000<br> $0.00000<br> $2291.00000<br> $2291.00000<br> $2291.00000<br> $2291.00000<br> $4582.00000<br> $0.00000<br> $2291.00000<br> $6713.88000<br> $0.00000<br> $6713.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 63.800% | 0.000% | 33.300% | 56.100% | $2140.57 | $51373.76 |
| 96251177 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $1047384.97 | 6.000% | $6427.04 | $6427.04 | 2025-05-31 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,427.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,427.04 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $x | $6581.13 | $6581.13 | $6581.13 | $6581.13 | $6581.13 | $6681.13 | $6527.04 | $6608.57 | $6642.40 | $6642.40 | $6642.40 | $6842.40 | $6842.40 | $6842.40 | $6842.40 | $6842.40 | $6827.04 | $6827.04 | $6827.04 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000 | 000000000000000000 | 2025-05-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $6581.13000<br> $6581.13000<br> $6581.13000<br> $6581.13000<br> $6581.13000<br> $6681.13000<br> $6527.04000<br> $6608.57000<br> $6642.40000<br> $6642.40000<br> $6642.40000<br> $6842.40000<br> $6842.40000<br> $6842.40000<br> $6842.40000<br> $6842.40000<br> $6827.04000<br> $6827.04000<br> $6827.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.600% | 0.000% | 17.700% | 62.000% | $5305.95 | $127342.71 |
| 93187727 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | $108027.00 | 4.625% | $508.29 | $946.96 | 2025-04-01 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $946.96 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $508.29 with an interest rate of 4.625%. The current UPB reflected as per the payment history tape data is xx. PH shows a large transaction in the amount of $5,616.80 on xx/xx/2025 which was applied for the due dates of xx/xx/2024 to xx/xx/2025. The collection comment dated xx/xx/2025 and xx/xx/2025 shows the funds received in the total amount of $xxx as borrower payments. | $748.53 | $748.53 | $0.00 | $0.00 | $2245.59 | $0.00 | $1550.93 | $802.40 | $0.00 | $0.00 | $0.00 | $3340.00 | $0.00 | $0.00 | $5616.80 | $802.40 | $3787.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000021032100102100021010 | 010120001201001230120000 | 2025-03-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $748.53000<br> $748.53000<br> $0.00000<br> $0.00000<br> $2245.59000<br> $0.00000<br> $1550.93000<br> $802.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3340.00000<br> $0.00000<br> $0.00000<br> $5616.80000<br> $802.40000<br> $3787.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.400% | 0.000% | 0.000% | 89.800% | $818.46 | $19643.02 |
| 54397484 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $2211316.78 | 6.625% | $14342.97 | $17613.29 | 2025-06-11 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of 6.625%. The current UPB reflected as per the payment history is $| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $17613.29 | $17613.29 | $35226.58 | $0.00 | $35226.58 | $35226.58 | $35226.58 | $35226.58 | $0.00 | $17613.29 | $17613.29 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-05-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $17613.29000<br> $17613.29000<br> $35226.58000<br> $0.00000<br> $35226.58000<br> $35226.58000<br> $35226.58000<br> $35226.58000<br> $0.00000<br> $17613.29000<br> $17613.29000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.300% | 0.000% | 16.700% | 83.300% | $10274.42 | $246586.06 |
| 71705448 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Connecticut | xx | $131246.87 | 3.250% | $523.20 | $1003.93 | 2025-05-31 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,003.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $523.20 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx, and the deferred balance is xx. | $1957.22 | $990.04 | $0.00 | $1049.19 | $1049.19 | $1049.19 | $1149.19 | $1049.19 | $1049.19 | $1049.19 | $1449.19 | $1349.19 | $1049.19 | $1293.63 | $2087.26 | $0.00 | $2007.86 | $1003.93 | $1003.93 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1957.22000<br> $990.04000<br> $0.00000<br> $1049.19000<br> $1049.19000<br> $1049.19000<br> $1149.19000<br> $1049.19000<br> $1049.19000<br> $1049.19000<br> $1449.19000<br> $1349.19000<br> $1049.19000<br> $1293.63000<br> $2087.26000<br> $0.00000<br> $2007.86000<br> $1003.93000<br> $1003.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.800% | 0.000% | 16.700% | 70.100% | $901.49 | $21635.77 |
| 14997377 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $445895.95 | 1.550% | $1772.38 | $3383.99 | 2025-06-04 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,383.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,772.38 with an interest rate of 1.550%. The current UPB reflected as per the payment history is $x | $3754.25 | $3654.25 | $3654.25 | $3825.15 | $3654.25 | $3754.25 | $3654.25 | $3654.25 | $3654.25 | $3654.25 | $3654.25 | $3654.25 | $3383.99 | $3383.99 | $3383.99 | $3383.99 | $3383.99 | $3383.99 | $3383.99 | $3383.99 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3754.25000<br> $3654.25000<br> $3654.25000<br> $3825.15000<br> $3654.25000<br> $3754.25000<br> $3654.25000<br> $3654.25000<br> $3654.25000<br> $3654.25000<br> $3654.25000<br> $3654.25000<br> $3383.99000<br> $3383.99000<br> $3383.99000<br> $3383.99000<br> $3383.99000<br> $3383.99000<br> $3383.99000<br> $3383.99000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.800% | 0.000% | 33.300% | 66.700% | $2970.58 | $71293.82 |
| 60259135 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $359541.83 | 4.750% | $1631.54 | $2702.71 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,702.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,631.54 with an interest rate of 4.750%. The current UPB reflected as per the payment history tape data is $x | $2465.82 | $2465.82 | $2465.82 | $2482.75 | $2482.75 | $2482.75 | $2482.75 | $2482.75 | $2482.75 | $2482.75 | $2482.75 | $2482.75 | $2482.75 | $2482.75 | $2482.75 | $2742.21 | $2742.21 | $2702.71 | $2702.71 | $2702.71 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2465.82000<br> $2465.82000<br> $2465.82000<br> $2482.75000<br> $2482.75000<br> $2482.75000<br> $2482.75000<br> $2482.75000<br> $2482.75000<br> $2482.75000<br> $2482.75000<br> $2482.75000<br> $2482.75000<br> $2482.75000<br> $2482.75000<br> $2742.21000<br> $2742.21000<br> $2702.71000<br> $2702.71000<br> $2702.71000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.300% | 0.000% | 33.300% | 64.900% | $2115.96 | $50783.01 |
| 60185017 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Kentucky | xx | $97948.41 | 3.625% | $604.27 | $906.56 | 2025-06-16 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $906.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $604.27 with an interest rate of 3.625%. The current UPB reflected as per the payment history is $x, and the deferred balance is in the amount of x | $3499.89 | $845.19 | $845.19 | $845.19 | $845.19 | $845.19 | $845.19 | $845.19 | $845.19 | $845.19 | $906.56 | $906.56 | $906.56 | $906.56 | $906.56 | $936.77 | $906.56 | $906.56 | $906.56 | $906.56 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000043210 | 012340000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3499.89000<br> $845.19000<br> $845.19000<br> $845.19000<br> $845.19000<br> $845.19000<br> $845.19000<br> $845.19000<br> $845.19000<br> $845.19000<br> $906.56000<br> $906.56000<br> $906.56000<br> $906.56000<br> $906.56000<br> $936.77000<br> $906.56000<br> $906.56000<br> $906.56000<br> $906.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 92.900% | 0.000% | 33.300% | 66.900% | $841.77 | $20202.41 |
| 34774897 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | $762061.51 | 3.875% | $4283.86 | $4471.05 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,471.05(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,283.86 and the interest rate is 3.875%. The current UPB reflected as per the payment history is $x | $5366.23 | $5366.23 | $5366.23 | $5366.23 | $5366.23 | $5366.23 | $5366.23 | $4414.78 | $4414.78 | $4414.78 | $4414.78 | $4414.78 | $4471.05 | $4471.05 | $4471.05 | $4471.05 | $4471.05 | $4471.05 | $4471.05 | $4471.05 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5366.23000<br> $5366.23000<br> $5366.23000<br> $5366.23000<br> $5366.23000<br> $5366.23000<br> $5366.23000<br> $4414.78000<br> $4414.78000<br> $4414.78000<br> $4414.78000<br> $4414.78000<br> $4471.05000<br> $4471.05000<br> $4471.05000<br> $4471.05000<br> $4471.05000<br> $4471.05000<br> $4471.05000<br> $4471.05000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 88.900% | 0.000% | 33.300% | 66.700% | $3975.25 | $95405.91 |
| 47200754 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $150142.91 | 2.000% | $556.62 | $1028.72 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,028.72 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $556.62 with an interest rate of 2.000%. The current UPB reflected as per the payment history is $xx and deferred balance is $xx | $967.91 | $967.91 | $967.91 | $967.91 | $967.91 | $967.91 | $967.91 | $989.63 | $989.63 | $989.63 | $989.63 | $989.63 | $989.63 | $989.63 | $989.63 | $989.63 | $989.63 | $989.63 | $989.63 | $1028.72 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $967.91000<br> $967.91000<br> $967.91000<br> $967.91000<br> $967.91000<br> $967.91000<br> $967.91000<br> $989.63000<br> $989.63000<br> $989.63000<br> $989.63000<br> $989.63000<br> $989.63000<br> $989.63000<br> $989.63000<br> $989.63000<br> $989.63000<br> $989.63000<br> $989.63000<br> $1028.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.700% | 0.000% | 32.700% | 64.500% | $819.99 | $19679.65 |
| 51376445 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $329008.77 | 3.750% | $1374.35 | $2349.99 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,349.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,374.35 with an interest rate of 3.750%. The current UPB reflected as per the payment history tape data is xx and deferred balance is xx | $2623.04 | $2623.04 | $2623.04 | $2623.04 | $2623.04 | $2675.00 | $2675.00 | $2675.00 | $2675.00 | $2675.00 | $2650.00 | $2650.00 | $2400.00 | $2400.00 | $2400.00 | $2400.00 | $2400.00 | $2400.00 | $2400.00 | $2400.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2623.04000<br> $2623.04000<br> $2623.04000<br> $2623.04000<br> $2623.04000<br> $2675.00000<br> $2675.00000<br> $2675.00000<br> $2675.00000<br> $2675.00000<br> $2650.00000<br> $2650.00000<br> $2400.00000<br> $2400.00000<br> $2400.00000<br> $2400.00000<br> $2400.00000<br> $2400.00000<br> $2400.00000<br> $2400.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.400% | 0.000% | 34.000% | 68.100% | $2124.59 | $50990.20 |
| 28469188 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $205534.08 | 6.625% | $1331.85 | $2277.01 | 2025-06-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,277.01 (PITI), which was applied for the due date of xx/xx/2025. The current interest P&I is $1,331.85 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2277.01 | $2277.01 | $2277.01 | $2277.01 | $2277.01 | $2277.01 | $2277.01 | $2277.01 | $2277.01 | $2277.01 | $2277.01 | $2277.01 | $2277.01 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2277.01000<br> $2277.01000<br> $2277.01000<br> $2277.01000<br> $2277.01000<br> $2277.01000<br> $2277.01000<br> $2277.01000<br> $2277.01000<br> $2277.01000<br> $2277.01000<br> $2277.01000<br> $2277.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 33.300% | 66.700% | $1233.38 | $29601.13 |
| 86827273 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $1203826.56 | 6.750% | $8016.67 | $8016.67 | 2025-05-19 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,016.67 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $8,016.67 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $8016.67 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-19 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $8016.67000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.200% | 0.000% | 16.700% | 58.300% | $6346.53 | $152316.73 |
| 60944501 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | $224574.40 | 6.990% | $1535.30 | $1992.33 | 2025-06-13 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,992.33 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,535.30 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $xx | $2112.41 | $2112.41 | $2112.41 | $2112.41 | $2112.41 | $2112.41 | $2223.96 | $2223.96 | $2223.96 | $2223.96 | $2223.96 | $0.00 | $0.00 | $2015.41 | $2015.41 | $2015.41 | $2015.41 | $1992.33 | $1992.33 | $1992.33 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000MM000000000000000 | 000000000000000MM0000000 | 2025-06-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2112.41000<br> $2112.41000<br> $2112.41000<br> $2112.41000<br> $2112.41000<br> $2112.41000<br> $2223.96000<br> $2223.96000<br> $2223.96000<br> $2223.96000<br> $2223.96000<br> $0.00000<br> $0.00000<br> $2015.41000<br> $2015.41000<br> $2015.41000<br> $2015.41000<br> $1992.33000<br> $1992.33000<br> $1992.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.100% | 0.000% | 33.300% | 58.700% | $1576.37 | $37832.89 |
| 96123780 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | $395025.55 | 7.625% | $2850.64 | $3217.75 | 2025-06-07 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3619.76 | $3619.76 | $3328.26 | $3578.26 | $3578.26 | $3578.26 | $3578.26 | $3578.26 | $3578.26 | $3578.26 | $3578.26 | $3578.26 | $3467.75 | $3467.75 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3619.76000<br> $3619.76000<br> $3328.26000<br> $3578.26000<br> $3578.26000<br> $3578.26000<br> $3578.26000<br> $3578.26000<br> $3578.26000<br> $3578.26000<br> $3578.26000<br> $3578.26000<br> $3467.75000<br> $3467.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 64.400% | 0.000% | 35.900% | 73.600% | $2071.15 | $49707.62 |
| 98105933 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | $1034389.53 | 7.875% | $7531.66 | $8268.11 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate ofxx. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8268.11 | $8268.11 | $8268.11 | $8268.11 | $8268.11 | $8268.11 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8268.11000<br> $8268.11000<br> $8268.11000<br> $8268.11000<br> $8268.11000<br> $8268.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 33.300% | 50.000% | $2067.03 | $49608.66 |
| 88917352 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $483048.26 | 2.000% | $1636.42 | $3140.33 | 2025-06-03 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history tape data is xx | $3158.34 | $3158.34 | $3158.34 | $3158.34 | $3158.34 | $3158.34 | $3158.34 | $3453.50 | $3453.50 | $3453.50 | $3453.50 | $3453.50 | $3453.50 | $3453.50 | $3453.50 | $3453.50 | $3453.50 | $3453.50 | $3453.50 | $3140.33 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3158.34000<br> $3158.34000<br> $3158.34000<br> $3158.34000<br> $3158.34000<br> $3158.34000<br> $3158.34000<br> $3453.50000<br> $3453.50000<br> $3453.50000<br> $3453.50000<br> $3453.50000<br> $3453.50000<br> $3453.50000<br> $3453.50000<br> $3453.50000<br> $3453.50000<br> $3453.50000<br> $3453.50000<br> $3140.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 88.500% | 0.000% | 35.000% | 72.500% | $2778.78 | $66690.71 |
| 93142424 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $198726.47 | 3.750% | $982.78 | $1564.58 | 2025-06-04 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | $1377.06 | $1377.06 | $1377.06 | $2172.51 | $2172.51 | $2172.51 | $2172.51 | $2172.51 | $2172.51 | $2172.51 | $2172.51 | $4345.02 | $2172.51 | $2172.51 | $1555.51 | $1558.53 | $1558.53 | $2161.53 | $1564.58 | $1564.58 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1377.06000<br> $1377.06000<br> $1377.06000<br> $2172.51000<br> $2172.51000<br> $2172.51000<br> $2172.51000<br> $2172.51000<br> $2172.51000<br> $2172.51000<br> $2172.51000<br> $4345.02000<br> $2172.51000<br> $2172.51000<br> $1555.51000<br> $1558.53000<br> $1558.53000<br> $2161.53000<br> $1564.58000<br> $1564.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 107.000% | 0.000% | 33.300% | 76.200% | $1673.52 | $40164.56 |
| 55339345 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $273825.17 | 7.750% | $1979.09 | $2307.52 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2307.52 | $2307.52 | $2307.52 | $2307.52 | $2307.52 | $2307.52 | $2307.52 | $2307.52 | $2307.52 | $2307.52 | $2307.52 | $2307.52 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2307.52000<br> $2307.52000<br> $2307.52000<br> $2307.52000<br> $2307.52000<br> $2307.52000<br> $2307.52000<br> $2307.52000<br> $2307.52000<br> $2307.52000<br> $2307.52000<br> $2307.52000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 33.300% | 66.700% | $1153.76 | $27690.24 |
| 7441384 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $619284.61 | 2.875% | $2883.51 | $4429.10 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | $5562.78 | $5562.78 | $5562.78 | $5562.78 | $5562.78 | $5562.78 | $5562.78 | $5562.78 | $5562.78 | $5562.78 | $4429.10 | $4429.10 | $4429.10 | $4429.10 | $4429.10 | $4429.10 | $4429.10 | $4429.10 | $4429.10 | $4429.10 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5562.78000<br> $5562.78000<br> $5562.78000<br> $5562.78000<br> $5562.78000<br> $5562.78000<br> $5562.78000<br> $5562.78000<br> $5562.78000<br> $5562.78000<br> $4429.10000<br> $4429.10000<br> $4429.10000<br> $4429.10000<br> $4429.10000<br> $4429.10000<br> $4429.10000<br> $4429.10000<br> $4429.10000<br> $4429.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 94.000% | 0.000% | 33.300% | 66.700% | $4163.28 | $99918.80 |
| 36543890 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $567965.00 | 8.000% | $4617.05 | $4617.05 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx and the interest rate is xx. The current UPB reflected as per the payment history is xx | $4198.11 | $4198.11 | $4198.11 | $4198.11 | $4198.11 | $4198.11 | $4198.11 | $4198.11 | $4198.11 | $4617.05 | $4617.05 | $4617.05 | $4800.00 | $4617.05 | $4617.05 | $4617.05 | $4617.05 | $4617.05 | $4617.05 | $4617.05 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4198.11000<br> $4198.11000<br> $4198.11000<br> $4198.11000<br> $4198.11000<br> $4198.11000<br> $4198.11000<br> $4198.11000<br> $4198.11000<br> $4617.05000<br> $4617.05000<br> $4617.05000<br> $4800.00000<br> $4617.05000<br> $4617.05000<br> $4617.05000<br> $4617.05000<br> $4617.05000<br> $4617.05000<br> $4617.05000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.100% | 0.000% | 33.300% | 67.000% | $3698.06 | $88753.49 |
| 18850564 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Kentucky | xx | $27522.90 | 4.250% | $291.88 | $528.94 | 2025-06-10 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | $415.39 | $415.39 | $415.39 | $415.39 | $415.39 | $471.00 | $471.00 | $471.00 | $0.00 | $471.00 | $471.00 | $471.00 | $597.33 | $597.33 | $597.33 | $597.33 | $528.94 | $528.94 | $528.94 | $528.94 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000M000000000000 | 000000000000M00000000000 | 2025-06-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $415.39000<br> $415.39000<br> $415.39000<br> $415.39000<br> $415.39000<br> $471.00000<br> $471.00000<br> $471.00000<br> $0.00000<br> $471.00000<br> $471.00000<br> $471.00000<br> $597.33000<br> $597.33000<br> $597.33000<br> $597.33000<br> $528.94000<br> $528.94000<br> $528.94000<br> $528.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.100% | 0.000% | 33.300% | 71.000% | $392.00 | $9408.03 |
| 25706119 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $194316.22 | 7.375% | $1372.67 | $2137.75 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx. | $0.00 | $1505.60 | $3011.20 | $0.00 | $1505.60 | $1505.60 | $1505.60 | $1551.57 | $1551.57 | $1551.57 | $1551.57 | $1551.57 | $1551.57 | $1551.57 | $1551.57 | $1551.57 | $2137.75 | $2137.75 | $2137.75 | $2137.75 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1505.60000<br> $3011.20000<br> $0.00000<br> $1505.60000<br> $1505.60000<br> $1505.60000<br> $1551.57000<br> $1551.57000<br> $1551.57000<br> $1551.57000<br> $1551.57000<br> $1551.57000<br> $1551.57000<br> $1551.57000<br> $1551.57000<br> $2137.75000<br> $2137.75000<br> $2137.75000<br> $2137.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 61.500% | 0.000% | 33.300% | 57.500% | $1314.53 | $31548.73 |
| 92924970 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $166479.28 | 4.875% | $936.69 | $1417.95 | 2025-06-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx, and the deferred balance is xx. There is a deferred balance in the amount of xx, xx | $1325.89 | $1404.28 | $1404.28 | $1366.20 | $1366.20 | $1366.20 | $1366.20 | $1366.20 | $1366.20 | $1366.20 | $1366.20 | $1366.20 | $1366.20 | $1366.20 | $1366.20 | $1417.95 | $1417.95 | $1417.95 | $1417.95 | $1417.95 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1325.89000<br> $1404.28000<br> $1404.28000<br> $1366.20000<br> $1366.20000<br> $1366.20000<br> $1366.20000<br> $1366.20000<br> $1366.20000<br> $1366.20000<br> $1366.20000<br> $1366.20000<br> $1366.20000<br> $1366.20000<br> $1366.20000<br> $1417.95000<br> $1417.95000<br> $1417.95000<br> $1417.95000<br> $1417.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.200% | 0.000% | 33.300% | 65.800% | $1150.78 | $27618.60 |
| 34983504 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $202025.12 | 3.000% | $764.65 | $1250.44 | 2025-05-31 | 2025-07-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per payment history is xx. | $2343.68 | $0.00 | $1171.84 | $2343.68 | $1182.02 | $0.00 | $2364.04 | $0.00 | $1182.02 | $2364.04 | $1182.02 | $0.00 | $1182.02 | $1182.02 | $2364.04 | $0.00 | $1182.02 | $2432.46 | $1250.44 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2343.68000<br> $0.00000<br> $1171.84000<br> $2343.68000<br> $1182.02000<br> $0.00000<br> $2364.04000<br> $0.00000<br> $1182.02000<br> $2364.04000<br> $1182.02000<br> $0.00000<br> $1182.02000<br> $1182.02000<br> $2364.04000<br> $0.00000<br> $1182.02000<br> $2432.46000<br> $1250.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.100% | 0.000% | 16.700% | 63.900% | $988.60 | $23726.34 |
| 29108645 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $99742.44 | 2.880% | $950.55 | $1338.50 | 2025-05-30 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | $1158.40 | $0.00 | $1158.40 | $0.00 | $1158.40 | $2316.80 | $1340.21 | $1340.21 | $1340.21 | $1340.21 | $0.00 | $2680.42 | $0.00 | $2680.42 | $0.00 | $1340.21 | $1340.21 | $2677.00 | $1338.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1158.40000<br> $0.00000<br> $1158.40000<br> $0.00000<br> $1158.40000<br> $2316.80000<br> $1340.21000<br> $1340.21000<br> $1340.21000<br> $1340.21000<br> $0.00000<br> $2680.42000<br> $0.00000<br> $2680.42000<br> $0.00000<br> $1340.21000<br> $1340.21000<br> $2677.00000<br> $1338.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.300% | 0.000% | 16.700% | 58.400% | $967.07 | $23209.60 |
| 30942786 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | $963162.33 | 4.625% | $5223.82 | $5223.82 | 2025-06-10 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx | $5223.82 | $5223.82 | $5224.98 | $5224.98 | $5223.82 | $5223.82 | $5223.82 | $5223.82 | $5223.82 | $5225.00 | $5225.00 | $5225.00 | $5225.00 | $5225.00 | $5225.00 | $5225.00 | $5223.82 | $5225.00 | $5225.00 | $5225.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5223.82000<br> $5223.82000<br> $5224.98000<br> $5224.98000<br> $5223.82000<br> $5223.82000<br> $5223.82000<br> $5223.82000<br> $5223.82000<br> $5225.00000<br> $5225.00000<br> $5225.00000<br> $5225.00000<br> $5225.00000<br> $5225.00000<br> $5225.00000<br> $5223.82000<br> $5225.00000<br> $5225.00000<br> $5225.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 33.300% | 66.700% | $4353.77 | $104490.52 |
| 57370727 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $1260694.69 | 8.250% | $10159.54 | $12330.48 | 2025-06-02 | 2025-07-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per payment history is xx. | $12340.16 | $12340.16 | $12340.16 | $12340.16 | $12340.16 | $12340.16 | $12340.16 | $12340.16 | $10134.99 | $11840.16 | $11840.16 | $13270.96 | $13636.48 | $13636.48 | $13636.48 | $13636.48 | $13636.48 | $12330.48 | $12330.48 | $12330.48 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000 | 000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $12340.16000<br> $12340.16000<br> $12340.16000<br> $12340.16000<br> $12340.16000<br> $12340.16000<br> $12340.16000<br> $12340.16000<br> $10134.99000<br> $11840.16000<br> $11840.16000<br> $13270.96000<br> $13636.48000<br> $13636.48000<br> $13636.48000<br> $13636.48000<br> $13636.48000<br> $12330.48000<br> $12330.48000<br> $12330.48000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.800% | 0.000% | 33.300% | 71.100% | $10457.56 | $250981.39 |
| 20938482 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $499994.47 | 8.250% | $3786.38 | $4337.57 | 2025-06-04 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4337.57 | $4337.57 | $4337.57 | $4337.57 | $4337.57 | $4337.57 | $4337.57 | $4337.57 | $4337.57 | $4337.57 | $4337.57 | $4337.57 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4337.57000<br> $4337.57000<br> $4337.57000<br> $4337.57000<br> $4337.57000<br> $4337.57000<br> $4337.57000<br> $4337.57000<br> $4337.57000<br> $4337.57000<br> $4337.57000<br> $4337.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 33.300% | 66.700% | $2168.79 | $52050.84 |
| 82506197 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $444900.65 | 8.062% | $3294.84 | $3833.60 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3833.60 | $3833.60 | $3833.60 | $3833.60 | $3833.60 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3833.60000<br> $3833.60000<br> $3833.60000<br> $3833.60000<br> $3833.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 33.300% | 41.700% | $798.67 | $19168.00 |
| 43569883 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $439271.23 | 3.875% | $2277.59 | $3244.68 | 2025-06-11 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | $2277.59 | $2277.59 | $2277.59 | $4555.18 | $2277.59 | $2277.59 | $2277.59 | $2277.59 | $2277.59 | $2277.59 | $2277.59 | $2277.59 | $0.00 | $0.00 | $9336.69 | $3244.68 | $3244.68 | $3244.68 | $3244.68 | $3244.68 | $0.00 | $0.00 | $0.00 | $0.00 | 000000210000000010000000 | 000000010000000012000000 | 2025-06-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2277.59000<br> $2277.59000<br> $2277.59000<br> $4555.18000<br> $2277.59000<br> $2277.59000<br> $2277.59000<br> $2277.59000<br> $2277.59000<br> $2277.59000<br> $2277.59000<br> $2277.59000<br> $0.00000<br> $0.00000<br> $9336.69000<br> $3244.68000<br> $3244.68000<br> $3244.68000<br> $3244.68000<br> $3244.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.800% | 0.000% | 33.300% | 65.600% | $2298.70 | $55168.76 |
| 64478869 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $427498.10 | 8.125% | $3200.24 | $3609.62 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3558.04 | $3558.04 | $3558.04 | $3558.04 | $3558.04 | $3558.04 | $3558.04 | $3558.04 | $3558.04 | $3558.04 | $3609.62 | $3609.62 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3558.04000<br> $3558.04000<br> $3558.04000<br> $3558.04000<br> $3558.04000<br> $3558.04000<br> $3558.04000<br> $3558.04000<br> $3558.04000<br> $3558.04000<br> $3609.62000<br> $3609.62000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 49.400% | 0.000% | 33.300% | 66.000% | $1783.32 | $42799.64 |
| 96947215 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $409784.20 | 7.812% | $2983.70 | $3397.42 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx, which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3379.28 | $3379.28 | $3379.28 | $3379.28 | $3379.28 | $3379.28 | $3379.28 | $3379.28 | $3379.28 | $3379.28 | $3379.28 | $3379.28 | $3397.42 | $3397.42 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3379.28000<br> $3379.28000<br> $3379.28000<br> $3379.28000<br> $3379.28000<br> $3379.28000<br> $3379.28000<br> $3379.28000<br> $3379.28000<br> $3379.28000<br> $3379.28000<br> $3379.28000<br> $3397.42000<br> $3397.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.100% | 0.000% | 33.300% | 66.400% | $1972.76 | $47346.20 |
| 33324399 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $1631263.67 | 9.125% | $13443.11 | $19155.01 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | $15038.74 | $15038.74 | $15038.74 | $15038.74 | $14538.74 | $15038.74 | $15038.74 | $15038.74 | $15038.74 | $15038.74 | $16929.71 | $16629.71 | $16129.71 | $16129.71 | $16129.71 | $16129.71 | $19155.01 | $19155.01 | $19155.01 | $19155.01 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000000 | 0000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $15038.74000<br> $15038.74000<br> $15038.74000<br> $15038.74000<br> $14538.74000<br> $15038.74000<br> $15038.74000<br> $15038.74000<br> $15038.74000<br> $15038.74000<br> $16929.71000<br> $16629.71000<br> $16129.71000<br> $16129.71000<br> $16129.71000<br> $16129.71000<br> $19155.01000<br> $19155.01000<br> $19155.01000<br> $19155.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.600% | 0.000% | 33.300% | 61.400% | $13524.40 | $324585.70 |
| 66771078 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | $405183.00 | 3.375% | $2024.80 | $2024.80 | 2025-06-18 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PI), which was applied for the due date of xx/xx/2025. The current interest only payment is xx with an interest rate of xx. The current UPB reflected as per the payment history tape data is xx<br> As per collection comment dated xx/xx/2025, the payments received xx are borrower payments. | $2024.80 | $2975.20 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2024.80 | $2975.20 | $2024.80 | $2500.00 | $2500.00 | $0.00 | $5000.00 | $20805.00 | $2500.00 | $2500.00 | $5000.00 | $2500.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000100000000000000000 | 000000000000000001000000 | 2025-06-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2024.80000<br> $2975.20000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2024.80000<br> $2975.20000<br> $2024.80000<br> $2500.00000<br> $2500.00000<br> $0.00000<br> $5000.00000<br> $20805.00000<br> $2500.00000<br> $2500.00000<br> $5000.00000<br> $2500.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 144.700% | 0.000% | 61.700% | 167.900% | $2930.41 | $70329.80 |
| 15117448 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $470421.33 | 3.625% | $2262.01 | $3221.25 | 2025-05-30 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | $0.00 | $4801.74 | $2400.87 | $2400.87 | $2400.87 | $0.00 | $2824.87 | $2824.87 | $2824.87 | $2824.87 | $2824.87 | $0.00 | $2824.87 | $0.00 | $9061.77 | $3221.25 | $0.00 | $3221.25 | $6442.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000001000000000000000000 | 000000000000000000100000 | 2025-05-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $4801.74000<br> $2400.87000<br> $2400.87000<br> $2400.87000<br> $0.00000<br> $2824.87000<br> $2824.87000<br> $2824.87000<br> $2824.87000<br> $2824.87000<br> $0.00000<br> $2824.87000<br> $0.00000<br> $9061.77000<br> $3221.25000<br> $0.00000<br> $3221.25000<br> $6442.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.800% | 0.000% | 33.300% | 64.100% | $2120.85 | $50900.34 |
| 2841102 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $375764.96 | 8.000% | $3000.31 | $3000.31 | 2025-06-05 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the tape data is xx<br>| $2569.35 | $2569.35 | $2569.35 | $2569.35 | $2569.35 | $2569.35 | $2569.35 | $2569.35 | $3000.31 | $3000.31 | $3000.31 | $3000.31 | $3000.31 | $0.00 | $3000.31 | $3000.31 | $3000.31 | $3000.31 | $3000.31 | $3000.31 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2569.35000<br> $2569.35000<br> $2569.35000<br> $2569.35000<br> $2569.35000<br> $2569.35000<br> $2569.35000<br> $2569.35000<br> $3000.31000<br> $3000.31000<br> $3000.31000<br> $3000.31000<br> $3000.31000<br> $0.00000<br> $3000.31000<br> $3000.31000<br> $3000.31000<br> $3000.31000<br> $3000.31000<br> $3000.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.400% | 0.000% | 33.300% | 58.300% | $2231.59 | $53558.21 |
| 96471325 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $373879.33 | 3.375% | $1783.86 | $2451.82 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx | $2445.37 | $4890.74 | $0.00 | $2445.37 | $2445.37 | $2444.63 | $2444.63 | $2444.63 | $2451.82 | $2451.82 | $4903.64 | $0.00 | $2451.82 | $2451.82 | $2451.82 | $2451.82 | $2451.82 | $2451.82 | $2451.82 | $2451.82 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2445.37000<br> $4890.74000<br> $0.00000<br> $2445.37000<br> $2445.37000<br> $2444.63000<br> $2444.63000<br> $2444.63000<br> $2451.82000<br> $2451.82000<br> $4903.64000<br> $0.00000<br> $2451.82000<br> $2451.82000<br> $2451.82000<br> $2451.82000<br> $2451.82000<br> $2451.82000<br> $2451.82000<br> $2451.82000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.200% | 0.000% | 33.300% | 66.700% | $2040.94 | $48982.58 |
| 88685070 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $347702.17 | 3.875% | $1735.33 | $2096.14 | 2025-06-06 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current interest P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | $0.00 | $4093.90 | $2046.95 | $2046.95 | $2046.95 | $2070.65 | $2070.65 | $2070.65 | $2096.14 | $2096.14 | $2096.14 | $2096.14 | $2096.14 | $2096.14 | $2096.14 | $2096.14 | $2096.14 | $2096.14 | $2096.14 | $2096.14 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000010000 | 000010000000000000000000 | 2025-06-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $4093.90000<br> $2046.95000<br> $2046.95000<br> $2046.95000<br> $2070.65000<br> $2070.65000<br> $2070.65000<br> $2096.14000<br> $2096.14000<br> $2096.14000<br> $2096.14000<br> $2096.14000<br> $2096.14000<br> $2096.14000<br> $2096.14000<br> $2096.14000<br> $2096.14000<br> $2096.14000<br> $2096.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.700% | 0.000% | 33.300% | 66.700% | $1733.35 | $41600.38 |
| 3138367 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | $330332.51 | 7.750% | $2382.07 | $2807.93 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2807.93 | $2807.93 | $2807.93 | $0.00 | $0.00 | $0.00 | $2807.93 | $2807.93 | $2807.93 | $0.00 | $0.00 | $0.00 | $0.00 | 000MMM000 | 000MMM000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2807.93000<br> $2807.93000<br> $2807.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2807.93000<br> $2807.93000<br> $2807.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 33.300% | 41.700% | $701.98 | $16847.58 |
| 97094098 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | $290256.32 | 7.625% | $2161.69 | $2161.69 | 2025-06-10 | 2025-08-27 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx and the deferred balance is xx | $0.00 | $1880.00 | $4087.46 | $2044.00 | $4087.46 | $0.00 | $0.00 | $2043.73 | $2211.20 | $2211.20 | $4422.40 | $2211.20 | $2247.71 | $0.00 | $2247.71 | $2247.71 | $2247.71 | $2247.71 | $2247.71 | $2161.69 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1880.00000<br> $4087.46000<br> $2044.00000<br> $4087.46000<br> $0.00000<br> $0.00000<br> $2043.73000<br> $2211.20000<br> $2211.20000<br> $4422.40000<br> $2211.20000<br> $2247.71000<br> $0.00000<br> $2247.71000<br> $2247.71000<br> $2247.71000<br> $2247.71000<br> $2247.71000<br> $2161.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.700% | 0.000% | 34.000% | 60.300% | $1701.94 | $40846.60 |
| 53475663 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $287777.52 | 3.500% | $1432.96 | $2559.08 | 2025-06-03 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | $2636.24 | $3094.08 | $3094.08 | $2594.08 | $2594.08 | $2594.08 | $8082.51 | $2594.08 | $2594.08 | $2594.08 | $2594.08 | $5188.16 | $0.00 | $2465.34 | $2465.34 | $2465.34 | $2465.34 | $2465.34 | $2465.34 | $2559.08 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2636.24000<br> $3094.08000<br> $3094.08000<br> $2594.08000<br> $2594.08000<br> $2594.08000<br> $8082.51000<br> $2594.08000<br> $2594.08000<br> $2594.08000<br> $2594.08000<br> $5188.16000<br> $0.00000<br> $2465.34000<br> $2465.34000<br> $2465.34000<br> $2465.34000<br> $2465.34000<br> $2465.34000<br> $2559.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 93.800% | 0.000% | 32.700% | 56.500% | $2400.20 | $57604.75 |
| 71513519 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $750219.22 | 7.990% | $5542.00 | $6909.43 | 2025-05-31 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $13818.86 | $0.00 | $6909.43 | $13818.86 | $6909.43 | $0.00 | $6909.43 | $6909.43 | $6909.43 | $13818.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-05-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $13818.86000<br> $0.00000<br> $6909.43000<br> $13818.86000<br> $6909.43000<br> $0.00000<br> $6909.43000<br> $6909.43000<br> $6909.43000<br> $13818.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 33.300% | 66.700% | $3166.82 | $76003.73 |
| 85717515 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $246293.88 | 3.000% | $928.33 | $1599.54 | 2025-06-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xxwith an interest rate of xx. The current UPB reflected as per the payment history is xx. The deferred balance is xx. | $1340.60 | $1340.60 | $1340.60 | $1340.60 | $1340.60 | $1442.21 | $2884.42 | $1442.21 | $1442.21 | $1442.21 | $1442.21 | $1442.21 | $1442.21 | $1442.21 | $1442.21 | $1442.21 | $1442.21 | $1599.54 | $1599.54 | $1599.54 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1340.60000<br> $1340.60000<br> $1340.60000<br> $1340.60000<br> $1340.60000<br> $1442.21000<br> $2884.42000<br> $1442.21000<br> $1442.21000<br> $1442.21000<br> $1442.21000<br> $1442.21000<br> $1442.21000<br> $1442.21000<br> $1442.21000<br> $1442.21000<br> $1442.21000<br> $1599.54000<br> $1599.54000<br> $1599.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.800% | 0.000% | 33.300% | 62.600% | $1260.43 | $30250.35 |
| 50563811 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $323773.16 | 7.375% | $2565.47 | $2565.47 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB is xx | $2488.30 | $2488.30 | $2488.30 | $2488.30 | $2488.30 | $2488.30 | $2488.30 | $2488.30 | $2488.30 | $2844.30 | $2844.30 | $2565.47 | $0.00 | $2565.47 | $2565.47 | $2565.47 | $2565.47 | $2565.47 | $2565.47 | $2565.47 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2488.30000<br> $2488.30000<br> $2488.30000<br> $2488.30000<br> $2488.30000<br> $2488.30000<br> $2488.30000<br> $2488.30000<br> $2488.30000<br> $2844.30000<br> $2844.30000<br> $2565.47000<br> $0.00000<br> $2565.47000<br> $2565.47000<br> $2565.47000<br> $2565.47000<br> $2565.47000<br> $2565.47000<br> $2565.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.900% | 0.000% | 33.300% | 58.300% | $2025.29 | $48607.06 |
| 18707034 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $313831.35 | 2.250% | $2862.72 | $2862.72 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx. | $2862.72 | $2862.72 | $2862.72 | $2862.72 | $2862.72 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $3000.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2862.72000<br> $2862.72000<br> $2862.72000<br> $2862.72000<br> $2862.72000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.300% | 0.000% | 34.900% | 69.900% | $2471.40 | $59313.60 |
| 12947718 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $315289.66 | 3.750% | $1548.90 | $2103.04 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount ofxx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx | $2111.37 | $2111.37 | $2111.37 | $4222.74 | $0.00 | $2111.37 | $2111.37 | $2103.04 | $2103.04 | $2103.04 | $2103.04 | $2103.04 | $2103.04 | $2103.04 | $2103.04 | $2103.04 | $2103.04 | $2103.04 | $2103.04 | $2103.04 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2111.37000<br> $2111.37000<br> $2111.37000<br> $4222.74000<br> $0.00000<br> $2111.37000<br> $2111.37000<br> $2103.04000<br> $2103.04000<br> $2103.04000<br> $2103.04000<br> $2103.04000<br> $2103.04000<br> $2103.04000<br> $2103.04000<br> $2103.04000<br> $2103.04000<br> $2103.04000<br> $2103.04000<br> $2103.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.400% | 0.000% | 33.300% | 66.700% | $1754.96 | $42119.11 |
| 36317596 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $304486.22 | 3.500% | $1334.27 | $2005.45 | 2025-06-09 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx | $1941.08 | $1941.08 | $1941.08 | $1941.08 | $1941.08 | $1941.08 | $1941.08 | $1941.08 | $1941.08 | $2005.45 | $2005.45 | $2005.45 | $2005.45 | $2005.45 | $2005.45 | $2005.45 | $2005.45 | $2005.45 | $2005.45 | $2005.45 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1941.08000<br> $1941.08000<br> $1941.08000<br> $1941.08000<br> $1941.08000<br> $1941.08000<br> $1941.08000<br> $1941.08000<br> $1941.08000<br> $2005.45000<br> $2005.45000<br> $2005.45000<br> $2005.45000<br> $2005.45000<br> $2005.45000<br> $2005.45000<br> $2005.45000<br> $2005.45000<br> $2005.45000<br> $2005.45000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.100% | 0.000% | 33.300% | 66.700% | $1647.07 | $39529.67 |
| 71727756 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $201871.01 | 3.500% | $860.70 | $1607.06 | 2025-06-06 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount ofxx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx and deferred balance is xx | $1430.06 | $1430.06 | $1430.06 | $1430.06 | $1430.06 | $1346.20 | $1346.20 | $1346.20 | $1346.20 | $1346.20 | $1346.20 | $1346.20 | $1346.20 | $1346.20 | $1346.20 | $1346.20 | $1346.20 | $1607.06 | $1607.06 | $1607.06 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1430.06000<br> $1430.06000<br> $1430.06000<br> $1430.06000<br> $1430.06000<br> $1346.20000<br> $1346.20000<br> $1346.20000<br> $1346.20000<br> $1346.20000<br> $1346.20000<br> $1346.20000<br> $1346.20000<br> $1346.20000<br> $1346.20000<br> $1346.20000<br> $1346.20000<br> $1607.06000<br> $1607.06000<br> $1607.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.900% | 0.000% | 33.300% | 59.900% | $1171.91 | $28125.88 |
| 41894805 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $248397.98 | 6.500% | $1936.67 | $2073.25 | 2025-06-04 | 2025-05-10 | 0 | According to payment history as of xx/xx/2025, the borrower has been delinquent with the loan for xx, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx, which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. As per tape data, the deferred balance is xx | $1915.90 | $1915.90 | $1915.90 | $1915.90 | $1915.90 | $1915.90 | $2074.57 | $2074.57 | $2074.57 | $2074.57 | $2074.57 | $2074.57 | $2073.25 | $2073.25 | $2073.25 | $1000.00 | $3146.50 | $1000.00 | $1500.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 110100000000000000000000 | 000000000000000000001011 | 2025-05-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1915.90000<br> $1915.90000<br> $1915.90000<br> $1915.90000<br> $1915.90000<br> $1915.90000<br> $2074.57000<br> $2074.57000<br> $2074.57000<br> $2074.57000<br> $2074.57000<br> $2074.57000<br> $2073.25000<br> $2073.25000<br> $2073.25000<br> $1000.00000<br> $3146.50000<br> $1000.00000<br> $1500.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.000% | 0.000% | 12.100% | 51.700% | $1533.71 | $36809.07 |
| 14341499 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $263945.79 | 2.750% | $1702.41 | $2686.70 | 2025-06-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history isxx | $2700.00 | $2704.59 | $2700.00 | $3104.59 | $2604.59 | $2750.00 | $2700.34 | $2750.00 | $2760.00 | $2733.59 | $2700.00 | $5500.00 | $0.00 | $2700.00 | $2733.59 | $2733.59 | $2750.00 | $2700.00 | $2750.00 | $2700.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2700.00000<br> $2704.59000<br> $2700.00000<br> $3104.59000<br> $2604.59000<br> $2750.00000<br> $2700.34000<br> $2750.00000<br> $2760.00000<br> $2733.59000<br> $2700.00000<br> $5500.00000<br> $0.00000<br> $2700.00000<br> $2733.59000<br> $2733.59000<br> $2750.00000<br> $2700.00000<br> $2750.00000<br> $2700.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.900% | 0.000% | 33.800% | 59.100% | $2282.29 | $54774.88 |
| 31600002 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $210464.46 | 4.250% | $2524.07 | $4103.60 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | $2756.40 | $2756.40 | $2756.40 | $2756.40 | $2756.40 | $2756.40 | $2756.40 | $2756.40 | $2756.40 | $2756.40 | $2756.40 | $2794.95 | $2794.95 | $2794.95 | $2794.95 | $2794.95 | $2794.95 | $2794.95 | $2794.95 | $4103.60 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000 | 000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2756.40000<br> $2756.40000<br> $2756.40000<br> $2756.40000<br> $2756.40000<br> $2756.40000<br> $2756.40000<br> $2756.40000<br> $2756.40000<br> $2756.40000<br> $2756.40000<br> $2794.95000<br> $2794.95000<br> $2794.95000<br> $2794.95000<br> $2794.95000<br> $2794.95000<br> $2794.95000<br> $2794.95000<br> $4103.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 57.700% | 0.000% | 28.000% | 48.100% | $2365.98 | $56783.60 |
| 55578074 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $211658.86 | 2.999% | $990.65 | $1450.85 | 2025-05-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history is xx. | $1256.34 | $1256.34 | $1256.34 | $1256.34 | $1267.33 | $1267.33 | $0.00 | $2534.66 | $1267.33 | $1450.85 | $1450.85 | $1450.85 | $0.00 | $2901.70 | $1450.85 | $1450.85 | $1450.85 | $1450.85 | $2901.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000100000100000000000 | 000000000001000001000000 | 2025-05-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1256.34000<br> $1256.34000<br> $1256.34000<br> $1256.34000<br> $1267.33000<br> $1267.33000<br> $0.00000<br> $2534.66000<br> $1267.33000<br> $1450.85000<br> $1450.85000<br> $1450.85000<br> $0.00000<br> $2901.70000<br> $1450.85000<br> $1450.85000<br> $1450.85000<br> $1450.85000<br> $2901.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.500% | 0.000% | 33.300% | 66.700% | $1138.39 | $27321.36 |
| 17295318 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $174252.62 | 3.000% | $656.19 | $1255.03 | 2025-05-15 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xxPITI), which was applied for the due date of xx/xx/2025. The current P&I is xxand the interest rate is xx. The current UPB reflected as per the payment history is xx and the deferred balance isxx | $1220.97 | $1220.97 | $1220.97 | $1220.97 | $0.00 | $1220.97 | $1220.97 | $1220.97 | $1220.97 | $1220.97 | $1220.97 | $1220.97 | $1220.97 | $1255.03 | $2510.06 | $1255.03 | $0.00 | $1255.03 | $2510.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1220.97000<br> $1220.97000<br> $1220.97000<br> $1220.97000<br> $0.00000<br> $1220.97000<br> $1220.97000<br> $1220.97000<br> $1220.97000<br> $1220.97000<br> $1220.97000<br> $1220.97000<br> $1220.97000<br> $1255.03000<br> $2510.06000<br> $1255.03000<br> $0.00000<br> $1255.03000<br> $2510.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.800% | 0.000% | 33.300% | 66.400% | $976.54 | $23436.85 |
| 20936028 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $434830.00 | 2.875% | $2686.97 | $2686.97 | 2025-06-05 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx%. The current UPB reflected as per the payment history tape data isxx | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $2686.97 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $2686.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 33.300% | 66.700% | $2239.14 | $53739.40 |
| 60367351 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $230555.26 | 2.750% | $1082.28 | $2023.71 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate ofxx. The current UPB is xx. | $1739.48 | $1739.48 | $1739.48 | $1739.48 | $1906.42 | $3106.42 | $2056.42 | $2056.42 | $1906.42 | $1906.42 | $1906.42 | $1906.42 | $1906.42 | $1906.42 | $1906.42 | $1906.42 | $2023.71 | $2023.71 | $2023.71 | $2123.71 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1739.48000<br> $1739.48000<br> $1739.48000<br> $1739.48000<br> $1906.42000<br> $3106.42000<br> $2056.42000<br> $2056.42000<br> $1906.42000<br> $1906.42000<br> $1906.42000<br> $1906.42000<br> $1906.42000<br> $1906.42000<br> $1906.42000<br> $1906.42000<br> $2023.71000<br> $2023.71000<br> $2023.71000<br> $2123.71000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.400% | 0.000% | 34.200% | 65.100% | $1647.08 | $39529.80 |
| 97239580 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $156096.13 | 3.875% | $711.34 | $1385.17 | 2025-06-10 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx and the interest rate is xx. The current UPB reflected as per the payment history is xx and the deferred balance is xx | $1390.98 | $1390.98 | $1390.98 | $1390.98 | $1390.98 | $1221.25 | $1221.25 | $1221.25 | $1221.25 | $1221.25 | $1221.25 | $1239.25 | $1239.25 | $1239.25 | $1239.25 | $1239.25 | $1239.25 | $1284.31 | $1284.31 | $1435.17 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1390.98000<br> $1390.98000<br> $1390.98000<br> $1390.98000<br> $1390.98000<br> $1221.25000<br> $1221.25000<br> $1221.25000<br> $1221.25000<br> $1221.25000<br> $1221.25000<br> $1239.25000<br> $1239.25000<br> $1239.25000<br> $1239.25000<br> $1239.25000<br> $1239.25000<br> $1284.31000<br> $1284.31000<br> $1435.17000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.400% | 0.000% | 32.700% | 61.400% | $1071.74 | $25721.69 |
| 35673386 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $132960.80 | 2.000% | $470.83 | $1280.92 | 2025-06-05 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate ofxx. The current UPB reflected as per the payment history is xx and deferred balance is xx | $972.12 | $972.12 | $972.12 | $946.06 | $946.06 | $946.06 | $946.06 | $962.21 | $962.21 | $962.21 | $962.21 | $962.21 | $962.21 | $962.21 | $962.21 | $962.21 | $962.21 | $962.21 | $962.21 | $1280.92 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $972.12000<br> $972.12000<br> $972.12000<br> $946.06000<br> $946.06000<br> $946.06000<br> $946.06000<br> $962.21000<br> $962.21000<br> $962.21000<br> $962.21000<br> $962.21000<br> $962.21000<br> $962.21000<br> $962.21000<br> $962.21000<br> $962.21000<br> $962.21000<br> $962.21000<br> $1280.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 63.500% | 0.000% | 29.200% | 52.200% | $813.67 | $19528.04 |
| 72456269 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $187940.56 | 3.375% | $907.18 | $1916.32 | 2025-06-04 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate of xx%. The current UPB reflected as per the payment history isxx | $1216.86 | $1329.08 | $1329.08 | $1329.08 | $1329.08 | $1329.08 | $1329.08 | $1329.08 | $1329.08 | $1329.08 | $1329.08 | $1329.08 | $1329.08 | $1957.33 | $1957.33 | $1957.33 | $1957.33 | $1957.33 | $1957.33 | $1916.32 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1216.86000<br> $1329.08000<br> $1329.08000<br> $1329.08000<br> $1329.08000<br> $1329.08000<br> $1329.08000<br> $1329.08000<br> $1329.08000<br> $1329.08000<br> $1329.08000<br> $1329.08000<br> $1329.08000<br> $1957.33000<br> $1957.33000<br> $1957.33000<br> $1957.33000<br> $1957.33000<br> $1957.33000<br> $1916.32000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 67.000% | 0.000% | 33.700% | 65.200% | $1284.42 | $30826.12 |
| 2204392 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | $174619.86 | 3.500% | $695.25 | $1208.88 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history isxx | $1115.78 | $1115.78 | $1115.78 | $1115.78 | $1115.78 | $1115.78 | $1115.78 | $1156.94 | $1156.94 | $1156.94 | $1157.00 | $1156.94 | $1156.94 | $1156.94 | $1156.94 | $0.00 | $1156.94 | $1156.94 | $2313.88 | $1240.00 | $0.00 | $0.00 | $0.00 | $0.00 | 001110000000000000000000 | 000000000000000000011100 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1115.78000<br> $1115.78000<br> $1115.78000<br> $1115.78000<br> $1115.78000<br> $1115.78000<br> $1115.78000<br> $1156.94000<br> $1156.94000<br> $1156.94000<br> $1157.00000<br> $1156.94000<br> $1156.94000<br> $1156.94000<br> $1156.94000<br> $0.00000<br> $1156.94000<br> $1156.94000<br> $2313.88000<br> $1240.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.000% | 0.000% | 49.000% | 64.400% | $955.58 | $22933.80 |
| 29834616 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $158331.88 | 4.625% | $946.02 | $946.02 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate of xx. The current UPB reflected as per the payment history is xx | $946.02 | $1046.02 | $946.02 | $946.02 | $946.02 | $946.02 | $946.02 | $946.02 | $946.02 | $946.02 | $1068.74 | $1000.00 | $946.02 | $946.02 | $946.02 | $946.02 | $946.02 | $1613.07 | $946.02 | $946.02 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $946.02000<br> $1046.02000<br> $946.02000<br> $946.02000<br> $946.02000<br> $946.02000<br> $946.02000<br> $946.02000<br> $946.02000<br> $946.02000<br> $1068.74000<br> $1000.00000<br> $946.02000<br> $946.02000<br> $946.02000<br> $946.02000<br> $946.02000<br> $1613.07000<br> $946.02000<br> $946.02000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.500% | 0.000% | 33.300% | 72.500% | $827.67 | $19864.15 |
| 76353748 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $152662.92 | 4.625% | $930.70 | $1675.34 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current interest P&I isxx with an interest rate of xx The current UPB reflected as per the payment history tape data isxx, and the deferred amount is xx | $1592.32 | $1592.32 | $1592.32 | $1592.32 | $1592.32 | $1592.32 | $1592.32 | $1592.32 | $1592.32 | $1592.32 | $1592.32 | $1592.32 | $1675.34 | $1675.34 | $1675.34 | $1675.34 | $1675.34 | $1675.34 | $1675.34 | $1675.34 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1592.32000<br> $1592.32000<br> $1592.32000<br> $1592.32000<br> $1592.32000<br> $1592.32000<br> $1592.32000<br> $1592.32000<br> $1592.32000<br> $1592.32000<br> $1592.32000<br> $1592.32000<br> $1675.34000<br> $1675.34000<br> $1675.34000<br> $1675.34000<br> $1675.34000<br> $1675.34000<br> $1675.34000<br> $1675.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.900% | 0.000% | 33.300% | 66.700% | $1354.61 | $32510.56 |
| 79395966 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $119213.16 | 2.875% | $1041.60 | $1266.71 | 2025-05-28 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate ofxx%. The current UPB reflected as per the payment history xx | $1158.45 | $1158.45 | $1158.45 | $1158.45 | $0.00 | $1158.45 | $1168.94 | $2337.88 | $1168.94 | $1168.94 | $1168.94 | $1168.94 | $1268.94 | $0.00 | $2537.88 | $1268.94 | $1368.94 | $1366.71 | $1366.71 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1158.45000<br> $1158.45000<br> $1158.45000<br> $1158.45000<br> $0.00000<br> $1158.45000<br> $1168.94000<br> $2337.88000<br> $1168.94000<br> $1168.94000<br> $1168.94000<br> $1168.94000<br> $1268.94000<br> $0.00000<br> $2537.88000<br> $1268.94000<br> $1368.94000<br> $1366.71000<br> $1366.71000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.200% | 0.000% | 18.000% | 60.400% | $964.71 | $23152.95 |
| 85759334 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $100146.91 | 4.000% | $424.45 | $831.97 | 2025-06-04 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I isxxwith an interest rate of xx. The current UPB reflected as per the payment history is xx | $0.00 | $898.64 | $898.64 | $797.89 | $0.00 | $796.12 | $796.12 | $796.12 | $836.68 | $836.68 | $836.68 | $836.68 | $836.68 | $836.68 | $836.68 | $831.97 | $831.97 | $831.97 | $831.97 | $831.97 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000043332321 | 123233340000000000000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $898.64000<br> $898.64000<br> $797.89000<br> $0.00000<br> $796.12000<br> $796.12000<br> $796.12000<br> $836.68000<br> $836.68000<br> $836.68000<br> $836.68000<br> $836.68000<br> $836.68000<br> $836.68000<br> $831.97000<br> $831.97000<br> $831.97000<br> $831.97000<br> $831.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.100% | 0.000% | 33.300% | 66.800% | $625.01 | $15000.14 |
| 72279047 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $93967.29 | 3.625% | $1935.26 | $1935.26 | 2025-06-05 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate of xx. The current UPB reflected as per the payment history isxx | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $3664.08 | $2138.66 | $2000.00 | $2000.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $3664.08000<br> $2138.66000<br> $2000.00000<br> $2000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.000% | 0.000% | 34.400% | 76.700% | $1741.78 | $41802.74 |
| 91425417 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $83111.62 | 7.875% | $601.09 | $601.09 | 2025-05-27 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx | $1197.20 | $598.60 | $598.60 | $598.60 | $598.60 | $598.60 | $660.14 | $660.14 | $0.00 | $660.14 | $660.14 | $660.14 | $1320.28 | $660.14 | $660.14 | $660.14 | $660.14 | $660.14 | $601.09 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1197.20000<br> $598.60000<br> $598.60000<br> $598.60000<br> $598.60000<br> $598.60000<br> $660.14000<br> $660.14000<br> $0.00000<br> $660.14000<br> $660.14000<br> $660.14000<br> $1320.28000<br> $660.14000<br> $660.14000<br> $660.14000<br> $660.14000<br> $660.14000<br> $601.09000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 88.100% | 0.000% | 16.700% | 72.400% | $529.71 | $12712.97 |
| 16171239 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $128340.51 | 2.250% | $1955.88 | $2062.30 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB reflected as per the payment history isxx | $1955.88 | $1955.88 | $1955.88 | $1955.88 | $1955.88 | $1955.88 | $1955.88 | $2321.52 | $2295.45 | $2295.45 | $2062.30 | $2062.30 | $2062.30 | $2062.30 | $2062.30 | $2062.30 | $2062.30 | $2062.30 | $2062.30 | $2062.30 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1955.88000<br> $1955.88000<br> $1955.88000<br> $1955.88000<br> $1955.88000<br> $1955.88000<br> $1955.88000<br> $2321.52000<br> $2295.45000<br> $2295.45000<br> $2062.30000<br> $2062.30000<br> $2062.30000<br> $2062.30000<br> $2062.30000<br> $2062.30000<br> $2062.30000<br> $2062.30000<br> $2062.30000<br> $2062.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 33.300% | 66.700% | $1717.77 | $41226.58 |
| 17546819 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $127190.36 | 2.500% | $1150.55 | $1707.65 | 2025-06-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate ofxx. The current UPB reflected as per the payment history is xx | $1704.99 | $1704.99 | $1704.99 | $1704.99 | $1704.99 | $1704.99 | $1704.99 | $1704.99 | $1704.99 | $1704.99 | $1811.67 | $1811.67 | $1811.67 | $1811.67 | $1811.67 | $1811.67 | $1811.67 | $1811.67 | $1811.67 | $1811.67 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1704.99000<br> $1704.99000<br> $1704.99000<br> $1704.99000<br> $1704.99000<br> $1704.99000<br> $1704.99000<br> $1704.99000<br> $1704.99000<br> $1704.99000<br> $1811.67000<br> $1811.67000<br> $1811.67000<br> $1811.67000<br> $1811.67000<br> $1811.67000<br> $1811.67000<br> $1811.67000<br> $1811.67000<br> $1811.67000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 85.800% | 0.000% | 35.400% | 70.700% | $1465.28 | $35166.60 |
| 5363453 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $151027.00 | 3.000% | $578.47 | $1295.53 | 2025-05-30 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of xx. The current UPB, reflected as per the payment history, is xx<br> As per collection comment dated xx/xx/2023, the payments received in Dec xx are borrower payments. | $0.00 | $54721.98 | $1293.39 | $903.24 | $0.00 | $3778.37 | $1141.59 | $1141.59 | $1141.59 | $1191.59 | $1191.59 | $1191.59 | $1191.59 | $1191.59 | $1191.59 | $1191.59 | $1191.59 | $0.00 | $2591.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 010000000000002100444444 | 444444001200000000000010 | 2025-05-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $54721.98000<br> $1293.39000<br> $903.24000<br> $0.00000<br> $3778.37000<br> $1141.59000<br> $1141.59000<br> $1141.59000<br> $1191.59000<br> $1191.59000<br> $1191.59000<br> $1191.59000<br> $1191.59000<br> $1191.59000<br> $1191.59000<br> $1191.59000<br> $0.00000<br> $2591.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 245.200% | 0.000% | 33.300% | 55.000% | $3176.90 | $76245.53 |
| 21123716 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | $140814.97 | 7.814% | $1093.64 | $1334.32 | 2025-06-04 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount ofxx(PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate of xx. The current UPB reflected as per the payment history isxx | $1274.92 | $1274.92 | $1274.92 | $1274.92 | $1274.92 | $1282.47 | $1282.47 | $1282.47 | $1282.47 | $1282.47 | $1282.47 | $1282.47 | $1282.47 | $1282.47 | $1282.47 | $1282.47 | $1282.47 | $1334.32 | $1334.32 | $1334.32 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1274.92000<br> $1274.92000<br> $1274.92000<br> $1274.92000<br> $1274.92000<br> $1282.47000<br> $1282.47000<br> $1282.47000<br> $1282.47000<br> $1282.47000<br> $1282.47000<br> $1282.47000<br> $1282.47000<br> $1282.47000<br> $1282.47000<br> $1282.47000<br> $1282.47000<br> $1334.32000<br> $1334.32000<br> $1334.32000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.500% | 0.000% | 33.300% | 65.000% | $1073.63 | $25767.20 |
| 15583430 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $137503.10 | 2.875% | $510.60 | $906.07 | 2025-06-03 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $906.07 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $510.60 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx. | $935.95 | $935.95 | $935.95 | $935.95 | $905.97 | $905.97 | $905.97 | $905.97 | $905.97 | $905.97 | $905.97 | $905.97 | $905.97 | $905.97 | $905.97 | $905.97 | $906.07 | $906.07 | $906.07 | $906.07 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $935.95000<br> $935.95000<br> $935.95000<br> $935.95000<br> $905.97000<br> $905.97000<br> $905.97000<br> $905.97000<br> $905.97000<br> $905.97000<br> $905.97000<br> $905.97000<br> $905.97000<br> $905.97000<br> $905.97000<br> $905.97000<br> $906.07000<br> $906.07000<br> $906.07000<br> $906.07000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.900% | 0.000% | 33.300% | 66.700% | $759.99 | $18239.72 |
| 45600212 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $125669.78 | 3.125% | $578.31 | $886.13 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $886.13 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $578.31 with an interest rate of 3.125%. The current UPB reflected as per the payment history is xx.<br>| $832.64 | $832.64 | $832.64 | $832.64 | $832.64 | $832.64 | $832.64 | $825.87 | $825.87 | $825.87 | $825.87 | $825.87 | $825.87 | $825.87 | $825.87 | $825.87 | $825.87 | $825.87 | $825.87 | $886.13 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $832.64000<br> $832.64000<br> $832.64000<br> $832.64000<br> $832.64000<br> $832.64000<br> $832.64000<br> $825.87000<br> $825.87000<br> $825.87000<br> $825.87000<br> $825.87000<br> $825.87000<br> $825.87000<br> $825.87000<br> $825.87000<br> $825.87000<br> $825.87000<br> $825.87000<br> $886.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.200% | 0.000% | 32.200% | 62.700% | $692.71 | $16625.05 |
| 19295155 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $122034.67 | 5.625% | $725.91 | $988.64 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $988.64 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $725.91 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | $1000.00 | $1000.00 | $1000.00 | $943.38 | $943.38 | $943.38 | $943.38 | $1015.27 | $1015.27 | $1015.27 | $1015.27 | $1015.27 | $1015.27 | $1015.27 | $1015.27 | $1015.27 | $988.64 | $988.64 | $988.64 | $988.64 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1000.00000<br> $1000.00000<br> $1000.00000<br> $943.38000<br> $943.38000<br> $943.38000<br> $943.38000<br> $1015.27000<br> $1015.27000<br> $1015.27000<br> $1015.27000<br> $1015.27000<br> $1015.27000<br> $1015.27000<br> $1015.27000<br> $1015.27000<br> $988.64000<br> $988.64000<br> $988.64000<br> $988.64000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.700% | 0.000% | 33.300% | 67.600% | $827.73 | $19865.51 |
| 6705153 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Iowa | xx | $62550.34 | 3.000% | $233.98 | $620.93 | 2025-06-30 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $620.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $233.98 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx and the deferred amount is xx | $583.87 | $583.87 | $595.57 | $583.87 | $607.27 | $583.87 | $583.87 | $583.87 | $583.87 | $583.87 | $0.00 | $1241.86 | $620.93 | $620.93 | $620.93 | $620.93 | $620.93 | $620.93 | $620.93 | $620.93 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000100000000000000 | 000000000000001000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $583.87000<br> $583.87000<br> $595.57000<br> $583.87000<br> $607.27000<br> $583.87000<br> $583.87000<br> $583.87000<br> $583.87000<br> $583.87000<br> $0.00000<br> $1241.86000<br> $620.93000<br> $620.93000<br> $620.93000<br> $620.93000<br> $620.93000<br> $620.93000<br> $620.93000<br> $620.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.100% | 0.000% | 33.300% | 66.700% | $503.46 | $12083.10 |
| 2281418 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Minnesota | xx | $91661.91 | 5.570% | $606.68 | $821.53 | 2025-06-09 | 2025-07-20 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $821.53 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $606.68 with an interest rate of 5.570%. The current UPB reflected as per the payment history is xx | $787.88 | $787.88 | $791.18 | $791.18 | $791.18 | $791.18 | $791.18 | $791.18 | $791.18 | $791.18 | $791.18 | $791.18 | $791.18 | $791.18 | $821.53 | $821.53 | $821.53 | $821.53 | $821.53 | $821.53 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $787.88000<br> $787.88000<br> $791.18000<br> $791.18000<br> $791.18000<br> $791.18000<br> $791.18000<br> $791.18000<br> $791.18000<br> $791.18000<br> $791.18000<br> $791.18000<br> $791.18000<br> $791.18000<br> $821.53000<br> $821.53000<br> $821.53000<br> $821.53000<br> $821.53000<br> $821.53000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.100% | 0.000% | 33.300% | 66.100% | $666.63 | $15999.10 |
| 91095835 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $920289.67 | 3.000% | $4216.04 | $5986.61 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,986.61 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,216.04 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $5958.85 | $5958.85 | $5958.85 | $5958.85 | $5958.85 | $5958.85 | $5986.61 | $5986.61 | $5986.61 | $5986.61 | $5986.61 | $5986.61 | $5986.61 | $5986.61 | $5986.61 | $5986.61 | $5986.61 | $5986.61 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000MMMM00 | 00MMMM000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $5958.85000<br> $5958.85000<br> $5958.85000<br> $5958.85000<br> $5958.85000<br> $5958.85000<br> $5986.61000<br> $5986.61000<br> $5986.61000<br> $5986.61000<br> $5986.61000<br> $5986.61000<br> $5986.61000<br> $5986.61000<br> $5986.61000<br> $5986.61000<br> $5986.61000<br> $5986.61000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.900% | 0.000% | 33.300% | 66.700% | $4483.02 | $107592.42 |
| 66008438 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $185684.32 | 3.000% | $698.94 | $1004.34 | 2025-06-16 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,004.34 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $698.94, and the interest rate is 3.000%. The current UPB is xx. | $1459.65 | $1459.65 | $0.00 | $1459.65 | $1459.65 | $1459.65 | $1459.65 | $1004.34 | $1004.34 | $1004.34 | $1004.34 | $1004.34 | $1004.34 | $1004.34 | $2463.99 | $1004.34 | $1004.34 | $1004.34 | $1004.34 | $1004.34 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1459.65000<br> $1459.65000<br> $0.00000<br> $1459.65000<br> $1459.65000<br> $1459.65000<br> $1459.65000<br> $1004.34000<br> $1004.34000<br> $1004.34000<br> $1004.34000<br> $1004.34000<br> $1004.34000<br> $1004.34000<br> $2463.99000<br> $1004.34000<br> $1004.34000<br> $1004.34000<br> $1004.34000<br> $1004.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 96.600% | 0.000% | 33.300% | 78.800% | $969.75 | $23273.97 |
| 22182269 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $43381.90 | 3.000% | $230.14 | $454.92 | 2025-06-04 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $454.92 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $230.14 with an interest rate of 3.000%. The current UPB reflected as per the tape data is xx. | $460.56 | $460.56 | $538.75 | $538.75 | $538.75 | $538.75 | $538.75 | $538.75 | $538.75 | $538.75 | $538.75 | $538.75 | $538.75 | $538.75 | $502.78 | $502.78 | $502.78 | $502.78 | $502.78 | $502.78 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $460.56000<br> $460.56000<br> $538.75000<br> $538.75000<br> $538.75000<br> $538.75000<br> $538.75000<br> $538.75000<br> $538.75000<br> $538.75000<br> $538.75000<br> $538.75000<br> $538.75000<br> $538.75000<br> $502.78000<br> $502.78000<br> $502.78000<br> $502.78000<br> $502.78000<br> $502.78000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 95.300% | 0.000% | 36.800% | 75.000% | $433.45 | $10402.80 |
| 75937575 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $300109.99 | 4.000% | $1647.09 | $2157.71 | 2025-05-28 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,157.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,647.09 with an interest rate of 4.000%. The current UPB is xx. | $2230.04 | $2230.04 | $4460.08 | $0.00 | $2230.04 | $2230.04 | $0.00 | $2230.04 | $0.00 | $0.00 | $4985.22 | $5510.36 | $2755.18 | $4315.42 | $2157.71 | $2157.71 | $2157.71 | $2157.71 | $2157.71 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000112321100000000000 | 000000000001123211000000 | 2025-05-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2230.04000<br> $2230.04000<br> $4460.08000<br> $0.00000<br> $2230.04000<br> $2230.04000<br> $0.00000<br> $2230.04000<br> $0.00000<br> $0.00000<br> $4985.22000<br> $5510.36000<br> $2755.18000<br> $4315.42000<br> $2157.71000<br> $2157.71000<br> $2157.71000<br> $2157.71000<br> $2157.71000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.900% | 0.000% | 16.700% | 69.000% | $1831.88 | $43965.01 |
| 66990287 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $595831.35 | 7.500% | $4433.95 | $5812.56 | 2025-06-10 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,812.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,433.95 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx and the deferred balance is xx | $4019.50 | $4019.50 | $4019.50 | $4019.50 | $4019.50 | $4019.50 | $4019.50 | $4019.50 | $4128.61 | $4128.61 | $4128.61 | $4128.61 | $4128.61 | $4128.61 | $5812.56 | $5812.56 | $5812.56 | $5812.56 | $5812.56 | $5812.56 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4019.50000<br> $4019.50000<br> $4019.50000<br> $4019.50000<br> $4019.50000<br> $4019.50000<br> $4019.50000<br> $4019.50000<br> $4128.61000<br> $4128.61000<br> $4128.61000<br> $4128.61000<br> $4128.61000<br> $4128.61000<br> $5812.56000<br> $5812.56000<br> $5812.56000<br> $5812.56000<br> $5812.56000<br> $5812.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.800% | 0.000% | 33.300% | 61.800% | $3825.13 | $91803.02 |
| 93641432 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Delaware | xx | $172621.76 | 2.870% | $641.01 | $1073.77 | 2025-05-30 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,073.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $641.01 with an interest rate of 2.870%. The current UPB reflected as per the payment history is xx and deferred balance is xx | $0.00 | $1229.53 | $2393.50 | $1196.75 | $1196.75 | $1196.75 | $1196.75 | $1196.75 | $1196.75 | $1196.75 | $1196.75 | $1196.75 | $1196.75 | $1073.77 | $1073.77 | $1073.77 | $1073.77 | $1073.77 | $1073.77 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1229.53000<br> $2393.50000<br> $1196.75000<br> $1196.75000<br> $1196.75000<br> $1196.75000<br> $1196.75000<br> $1196.75000<br> $1196.75000<br> $1196.75000<br> $1196.75000<br> $1196.75000<br> $1073.77000<br> $1073.77000<br> $1073.77000<br> $1073.77000<br> $1073.77000<br> $1073.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 85.500% | 0.000% | 16.700% | 59.300% | $918.05 | $22033.15 |
| 33600191 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Connecticut | xx | $114123.39 | 3.130% | $441.92 | $611.82 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $611.82 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $441.92 with an interest rate of 3.130%. The current UPB reflected as per the payment history is xx | $631.84 | $631.84 | $631.84 | $631.84 | $631.84 | $631.84 | $631.84 | $631.84 | $631.84 | $631.84 | $631.84 | $631.84 | $631.84 | $631.82 | $631.82 | $631.82 | $631.82 | $631.82 | $631.82 | $631.82 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $631.84000<br> $631.84000<br> $631.84000<br> $631.84000<br> $631.84000<br> $631.84000<br> $631.84000<br> $631.84000<br> $631.84000<br> $631.84000<br> $631.84000<br> $631.84000<br> $631.84000<br> $631.82000<br> $631.82000<br> $631.82000<br> $631.82000<br> $631.82000<br> $631.82000<br> $631.82000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.100% | 0.000% | 34.400% | 68.800% | $526.53 | $12636.66 |
| 55012143 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $164319.74 | 4.125% | $994.51 | $1631.18 | 2025-05-28 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1631.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $994.51 with an interest rate of 4.125%. The current UPB reflected as per the payment history is xx<br>| $1740.00 | $1760.08 | $1760.08 | $1760.08 | $1760.08 | $1760.08 | $1760.08 | $1760.08 | $1760.08 | $1760.08 | $1760.08 | $1760.08 | $1760.08 | $0.00 | $5501.62 | $0.00 | $3278.52 | $0.00 | $3339.26 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000001000000000000000000 | 000000000000000000100000 | 2025-05-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1740.00000<br> $1760.08000<br> $1760.08000<br> $1760.08000<br> $1760.08000<br> $1760.08000<br> $1760.08000<br> $1760.08000<br> $1760.08000<br> $1760.08000<br> $1760.08000<br> $1760.08000<br> $1760.08000<br> $0.00000<br> $5501.62000<br> $0.00000<br> $3278.52000<br> $0.00000<br> $3339.26000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.400% | 0.000% | 34.100% | 70.900% | $1457.52 | $34980.36 |
| 38158658 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $30032.02 | 8.149% | $586.05 | $766.24 | 2025-06-03 | 2025-06-25 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $766.24(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $586.05 with and interest rate is 8.149%. The current UPB reflected as per the payment history is xx and the deferred balance is xx | $737.87 | $737.87 | $756.08 | $756.08 | $756.08 | $742.18 | $742.18 | $742.18 | $1518.72 | $0.00 | $759.36 | $759.36 | $759.36 | $0.00 | $0.00 | $3062.73 | $0.00 | $766.24 | $766.24 | $766.24 | $0.00 | $0.00 | $0.00 | $0.00 | 111103211110111111111111 | 111111111111011112301111 | 2025-06-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $737.87000<br> $737.87000<br> $756.08000<br> $756.08000<br> $756.08000<br> $742.18000<br> $742.18000<br> $742.18000<br> $1518.72000<br> $0.00000<br> $759.36000<br> $759.36000<br> $759.36000<br> $0.00000<br> $0.00000<br> $3062.73000<br> $0.00000<br> $766.24000<br> $766.24000<br> $766.24000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.300% | 0.000% | 33.300% | 66.600% | $630.37 | $15128.77 |
| 14679119 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $226821.83 | 4.625% | $1246.79 | $1773.89 | 2025-06-13 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan. and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,773.89 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,246.79 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx | $1713.28 | $1713.28 | $1713.28 | $1713.28 | $1713.89 | $1773.89 | $1773.89 | $1713.89 | $1713.89 | $1713.89 | $1713.89 | $1713.89 | $1713.89 | $1713.89 | $1713.89 | $0.00 | $3547.78 | $1713.89 | $1713.89 | $1713.89 | $0.00 | $0.00 | $0.00 | $0.00 | 000010000000000000000000 | 000000000000000000010000 | 2025-06-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1713.28000<br> $1713.28000<br> $1713.28000<br> $1713.28000<br> $1713.89000<br> $1773.89000<br> $1773.89000<br> $1713.89000<br> $1713.89000<br> $1713.89000<br> $1713.89000<br> $1713.89000<br> $1713.89000<br> $1713.89000<br> $1713.89000<br> $0.00000<br> $3547.78000<br> $1713.89000<br> $1713.89000<br> $1713.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.100% | 0.000% | 32.200% | 65.000% | $1438.14 | $34515.36 |
| 27248531 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $235195.71 | 3.500% | $1298.64 | $2193.91 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,193.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,298.64 with an interest rate of 3.500%. The current UPB reflected as per the payment history is xx | $2437.87 | $2437.87 | $2437.87 | $2437.87 | $2437.87 | $2437.87 | $2437.87 | $2437.87 | $2437.87 | $2437.87 | $2437.87 | $2437.87 | $2193.91 | $2193.91 | $2193.91 | $2193.91 | $2193.91 | $2193.91 | $2193.91 | $2193.91 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2437.87000<br> $2437.87000<br> $2437.87000<br> $2437.87000<br> $2437.87000<br> $2437.87000<br> $2437.87000<br> $2437.87000<br> $2437.87000<br> $2437.87000<br> $2437.87000<br> $2437.87000<br> $2193.91000<br> $2193.91000<br> $2193.91000<br> $2193.91000<br> $2193.91000<br> $2193.91000<br> $2193.91000<br> $2193.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 88.900% | 0.000% | 33.300% | 66.700% | $1950.24 | $46805.72 |
| 3600870 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $724305.07 | 6.000% | $4736.42 | $5468.93 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,468.93(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,736.42 and the interest rate is 6.000%. The current UPB reflected as per the payment history is xx | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $40000.00 | $10000.00 | $5000.00 | $0.00 | $9763.18 | $0.00 | $10937.86 | $0.00 | $0.00 | $16406.79 | $6000.00 | $6000.00 | $6000.00 | $6000.00 | $6000.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000021010000000000 | 00000000001012000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $40000.00000<br> $10000.00000<br> $5000.00000<br> $0.00000<br> $9763.18000<br> $0.00000<br> $10937.86000<br> $0.00000<br> $0.00000<br> $16406.79000<br> $6000.00000<br> $6000.00000<br> $6000.00000<br> $6000.00000<br> $6000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 112.100% | 0.000% | 36.600% | 70.700% | $6129.49 | $147107.83 |
| 31519475 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $611714.26 | 3.000% | $2909.07 | $5249.45 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,249.45 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,909.07 with an interest rate of 3.000%. The current UPB is xx. | $5674.00 | $8511.00 | $5674.00 | $5674.00 | $5674.00 | $5674.00 | $8511.00 | $5674.00 | $5674.00 | $5674.00 | $5674.00 | $5267.65 | $0.00 | $5267.65 | $5267.65 | $5249.45 | $5249.45 | $5249.45 | $5249.45 | $5249.45 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5674.00000<br> $8511.00000<br> $5674.00000<br> $5674.00000<br> $5674.00000<br> $5674.00000<br> $8511.00000<br> $5674.00000<br> $5674.00000<br> $5674.00000<br> $5674.00000<br> $5267.65000<br> $0.00000<br> $5267.65000<br> $5267.65000<br> $5249.45000<br> $5249.45000<br> $5249.45000<br> $5249.45000<br> $5249.45000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.400% | 0.000% | 33.300% | 58.400% | $4589.09 | $110138.20 |
| 30034381 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Connecticut | xx | $275929.14 | 3.375% | $1357.26 | $2247.06 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,247.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,357.26 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx | $2158.04 | $2158.04 | $2158.04 | $2158.04 | $2158.04 | $2158.04 | $2166.24 | $2158.04 | $2158.04 | $4316.08 | $0.00 | $2158.04 | $2247.06 | $2247.06 | $2247.06 | $2247.06 | $2247.06 | $2247.06 | $2247.06 | $2247.06 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2158.04000<br> $2158.04000<br> $2158.04000<br> $2158.04000<br> $2158.04000<br> $2158.04000<br> $2166.24000<br> $2158.04000<br> $2158.04000<br> $4316.08000<br> $0.00000<br> $2158.04000<br> $2247.06000<br> $2247.06000<br> $2247.06000<br> $2247.06000<br> $2247.06000<br> $2247.06000<br> $2247.06000<br> $2247.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.400% | 0.000% | 33.300% | 66.700% | $1828.38 | $43881.16 |
| 64907885 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Connecticut | xx | $89760.62 | 3.375% | $391.06 | $707.90 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $707.90 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $391.06 with an interest rate of 3.375%. The current UPB reflected as per the payment history isxx | $698.31 | $698.31 | $698.31 | $798.31 | $698.31 | $798.31 | $698.31 | $698.31 | $698.31 | $698.31 | $698.31 | $698.31 | $760.85 | $757.90 | $757.90 | $757.90 | $757.90 | $757.90 | $807.90 | $757.90 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $698.31000<br> $698.31000<br> $698.31000<br> $798.31000<br> $698.31000<br> $798.31000<br> $698.31000<br> $698.31000<br> $698.31000<br> $698.31000<br> $698.31000<br> $698.31000<br> $760.85000<br> $757.90000<br> $757.90000<br> $757.90000<br> $757.90000<br> $757.90000<br> $807.90000<br> $757.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.500% | 0.000% | 36.900% | 72.000% | $612.33 | $14695.87 |
| 77581508 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $84631.41 | 3.500% | $463.63 | $819.50 | 2025-06-12 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $819.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $463.63 with an interest rate of 3.50%. The current UPB reflected as per the payment history isxx and deferred balance isxx | $705.98 | $806.67 | $806.67 | $806.67 | $806.67 | $806.67 | $806.67 | $806.67 | $806.67 | $806.67 | $806.67 | $806.67 | $806.67 | $1037.19 | $748.22 | $819.50 | $819.50 | $819.50 | $819.50 | $819.50 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-12 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $705.98000<br> $806.67000<br> $806.67000<br> $806.67000<br> $806.67000<br> $806.67000<br> $806.67000<br> $806.67000<br> $806.67000<br> $806.67000<br> $806.67000<br> $806.67000<br> $806.67000<br> $1037.19000<br> $748.22000<br> $819.50000<br> $819.50000<br> $819.50000<br> $819.50000<br> $819.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.700% | 0.000% | 33.300% | 68.000% | $677.87 | $16268.93 |
| 73718584 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | $487860.49 | 5.750% | $2907.25 | $3271.99 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,271.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,907.25 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx | $0.00 | $3097.54 | $6195.08 | $0.00 | $3097.54 | $3097.54 | $3097.54 | $0.00 | $0.00 | $0.00 | $3271.99 | $3271.99 | $3271.99 | $3271.99 | $3271.99 | $3271.99 | $3271.99 | $3271.99 | $3271.99 | $3271.99 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000MMM000000 | 000000MMM0000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $3097.54000<br> $6195.08000<br> $0.00000<br> $3097.54000<br> $3097.54000<br> $3097.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3271.99000<br> $3271.99000<br> $3271.99000<br> $3271.99000<br> $3271.99000<br> $3271.99000<br> $3271.99000<br> $3271.99000<br> $3271.99000<br> $3271.99000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.300% | 0.000% | 33.300% | 66.700% | $2137.71 | $51305.14 |
| 65349874 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $347898.74 | 3.000% | $2162.94 | $2162.94 | 2025-06-30 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,162.94 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,162.94 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $2162.94 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $2162.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 33.300% | 66.700% | $1802.45 | $43258.80 |
| 58965256 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $450627.21 | 3.125% | $2156.87 | $3009.81 | 2025-06-05 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,009.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,156.87 with an interest rate of 3.125%. The current UPB is xx. | $2930.64 | $2930.64 | $2930.64 | $2930.64 | $2930.64 | $0.00 | $0.00 | $0.00 | $0.00 | $3009.81 | $3009.81 | $3009.81 | $3009.81 | $3009.81 | $3009.81 | $3009.81 | $3009.81 | $3009.81 | $3009.81 | $3009.81 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000MMMM000000000 | 000000000MMMM00000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2930.64000<br> $2930.64000<br> $2930.64000<br> $2930.64000<br> $2930.64000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3009.81000<br> $3009.81000<br> $3009.81000<br> $3009.81000<br> $3009.81000<br> $3009.81000<br> $3009.81000<br> $3009.81000<br> $3009.81000<br> $3009.81000<br> $3009.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.100% | 0.000% | 33.300% | 66.700% | $1990.05 | $47761.11 |
| 69025683 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | $347568.85 | 7.625% | $2484.36 | $2746.44 | 2025-06-04 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,746.44 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,484.36 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2746.44 | $2746.44 | $2746.44 | $2746.44 | $2746.44 | $2746.44 | $2746.44 | $2746.44 | $2746.44 | $2746.44 | $2746.44 | $2746.44 | $2746.44 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2746.44000<br> $2746.44000<br> $2746.44000<br> $2746.44000<br> $2746.44000<br> $2746.44000<br> $2746.44000<br> $2746.44000<br> $2746.44000<br> $2746.44000<br> $2746.44000<br> $2746.44000<br> $2746.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 33.300% | 66.700% | $1487.66 | $35703.72 |
| 6277106 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $343600.46 | 3.875% | $863.20 | $1613.76 | 2025-06-10 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,613.76(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $863.20 and the interest rate is 3.875%. The current UPB reflected as per the payment history is xx | $1589.66 | $1589.66 | $1589.66 | $1589.66 | $1589.66 | $1589.66 | $1589.66 | $1589.66 | $1589.66 | $1613.76 | $1613.76 | $1613.76 | $1613.76 | $1613.76 | $1613.76 | $1613.76 | $1613.76 | $1613.76 | $1613.76 | $1613.76 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1589.66000<br> $1589.66000<br> $1589.66000<br> $1589.66000<br> $1589.66000<br> $1589.66000<br> $1589.66000<br> $1589.66000<br> $1589.66000<br> $1613.76000<br> $1613.76000<br> $1613.76000<br> $1613.76000<br> $1613.76000<br> $1613.76000<br> $1613.76000<br> $1613.76000<br> $1613.76000<br> $1613.76000<br> $1613.76000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.800% | 0.000% | 33.300% | 66.700% | $1335.76 | $32058.30 |
| 16119274 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $126162.04 | 2.000% | $459.92 | $890.89 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $890.89 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $459.92 with an interest rate of 2.00%. The current UPB reflected as per the payment history is xx and deferred balance is xx | $857.34 | $857.34 | $857.34 | $857.34 | $857.34 | $857.34 | $857.34 | $886.80 | $886.80 | $886.80 | $886.80 | $886.80 | $886.80 | $886.80 | $886.80 | $886.80 | $886.80 | $886.80 | $886.80 | $940.89 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $857.34000<br> $857.34000<br> $857.34000<br> $857.34000<br> $857.34000<br> $857.34000<br> $857.34000<br> $886.80000<br> $886.80000<br> $886.80000<br> $886.80000<br> $886.80000<br> $886.80000<br> $886.80000<br> $886.80000<br> $886.80000<br> $886.80000<br> $886.80000<br> $886.80000<br> $940.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.200% | 0.000% | 34.200% | 66.900% | $732.66 | $17583.87 |
| 12019959 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Oklahoma | xx | $177859.42 | 3.375% | $839.99 | $1525.67 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,525.67 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $839.99 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx | $1178.84 | $1178.84 | $1178.84 | $1178.84 | $1178.84 | $1178.84 | $1178.84 | $1550.02 | $1343.81 | $1343.81 | $1343.81 | $1343.81 | $1343.81 | $1343.81 | $1343.81 | $1343.81 | $1343.81 | $1525.67 | $1525.67 | $1525.67 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1178.84000<br> $1178.84000<br> $1178.84000<br> $1178.84000<br> $1178.84000<br> $1178.84000<br> $1178.84000<br> $1550.02000<br> $1343.81000<br> $1343.81000<br> $1343.81000<br> $1343.81000<br> $1343.81000<br> $1343.81000<br> $1343.81000<br> $1343.81000<br> $1343.81000<br> $1525.67000<br> $1525.67000<br> $1525.67000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.300% | 0.000% | 33.300% | 61.700% | $1103.05 | $26473.20 |
| 80707808 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $144359.81 | 3.250% | $683.28 | $1681.50 | 2025-06-05 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,681.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $683.28 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | $1248.04 | $1248.04 | $1248.04 | $1248.04 | $1323.50 | $1323.50 | $1323.50 | $1323.50 | $1323.50 | $1323.50 | $1323.50 | $1323.50 | $1323.50 | $1323.50 | $1323.50 | $1323.50 | $1681.50 | $1681.50 | $1681.50 | $1681.50 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000002 | 200000000000000000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1248.04000<br> $1248.04000<br> $1248.04000<br> $1248.04000<br> $1323.50000<br> $1323.50000<br> $1323.50000<br> $1323.50000<br> $1323.50000<br> $1323.50000<br> $1323.50000<br> $1323.50000<br> $1323.50000<br> $1323.50000<br> $1323.50000<br> $1323.50000<br> $1681.50000<br> $1681.50000<br> $1681.50000<br> $1681.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.400% | 0.000% | 33.300% | 59.600% | $1150.01 | $27600.16 |
| 69212071 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $1567375.61 | 7.250% | $10887.53 | $12090.42 | 2025-05-05 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of 7.250%. The current UPB is xx. | $12013.38 | $11993.38 | $11813.38 | $11813.38 | $11813.38 | $11813.38 | $12090.42 | $12090.42 | $12090.42 | $12090.42 | $12090.42 | $12090.42 | $12090.42 | $12090.42 | $12090.42 | $12090.42 | $12090.42 | $0.00 | $12090.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $12013.38000<br> $11993.38000<br> $11813.38000<br> $11813.38000<br> $11813.38000<br> $11813.38000<br> $12090.42000<br> $12090.42000<br> $12090.42000<br> $12090.42000<br> $12090.42000<br> $12090.42000<br> $12090.42000<br> $12090.42000<br> $12090.42000<br> $12090.42000<br> $12090.42000<br> $0.00000<br> $12090.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.600% | 0.000% | 16.700% | 50.000% | $9014.39 | $216345.32 |
| 43549143 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $414902.87 | 5.250% | $2171.88 | $3935.13 | 2025-04-15 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,935.13 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,171.88 with an interest rate of 5.250%. The current UPB reflected as per the payment history is xx | $7100.38 | $3550.19 | $3550.19 | $3550.19 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $33691.22 | $0.00 | $3607.13 | $3607.13 | $3607.13 | $3890.06 | $3890.06 | $3935.13 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000004444321111213210 | 012312111123444400000000 | 2025-04-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $7100.38000<br> $3550.19000<br> $3550.19000<br> $3550.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $33691.22000<br> $0.00000<br> $3607.13000<br> $3607.13000<br> $3607.13000<br> $3890.06000<br> $3890.06000<br> $3935.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.300% | 0.000% | 0.000% | 47.700% | $3082.45 | $73978.81 |
| 5080780 | xx | PH+SC | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $352056.74 | 7.125% | $2431.39 | $4214.00 | 2025-05-01 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,214.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,431.39 with an interest rate of 7.125%. The current UPB reflected as per the tape is xx. | $3116.21 | $3116.26 | $3116.26 | $3116.26 | $3116.26 | $3116.26 | $3116.26 | $3116.26 | $3116.26 | $0.00 | $0.00 | $3116.26 | $3116.26 | $3116.26 | $0.00 | $2316.26 | $4204.00 | $4164.00 | $4214.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000MM000000000000000 | 000000000000000MM0000000 | 2025-05-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3116.21000<br> $3116.26000<br> $3116.26000<br> $3116.26000<br> $3116.26000<br> $3116.26000<br> $3116.26000<br> $3116.26000<br> $3116.26000<br> $0.00000<br> $0.00000<br> $3116.26000<br> $3116.26000<br> $3116.26000<br> $0.00000<br> $2316.26000<br> $4204.00000<br> $4164.00000<br> $4214.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 51.700% | 0.000% | 16.700% | 41.800% | $2178.89 | $52293.33 |
| 48221426 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $1152897.81 | 7.625% | $8351.97 | $9495.82 | 2025-05-02 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $9,495.82 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $8,351.97 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $9497.13 | $9497.13 | $9497.13 | $9497.13 | $9497.13 | $9542.07 | $9542.07 | $0.00 | $9495.82 | $9495.82 | $9542.07 | $9542.07 | $9542.07 | $9496.77 | $9495.82 | $9495.82 | $9495.82 | $9495.82 | $9495.82 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000M000000000000 | 000000000000M00000000000 | 2025-05-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $9497.13000<br> $9497.13000<br> $9497.13000<br> $9497.13000<br> $9497.13000<br> $9542.07000<br> $9542.07000<br> $0.00000<br> $9495.82000<br> $9495.82000<br> $9542.07000<br> $9542.07000<br> $9542.07000<br> $9496.77000<br> $9495.82000<br> $9495.82000<br> $9495.82000<br> $9495.82000<br> $9495.82000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.100% | 0.000% | 16.700% | 58.400% | $7131.81 | $171163.51 |
| 63415662 | xx | PH+SC | xx | xx | xx | xx |  |  | xx | xx | Connecticut | xx | $391656.86 | 6.875% | $2621.15 | $3788.27 | 2025-04-30 | 2025-05-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,788.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,621.15 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $3525.15 | $3525.15 | $3525.15 | $3525.15 | $3525.15 | $3525.15 | $3525.15 | $3525.15 | $3525.15 | $3525.15 | $3525.15 | $3788.27 | $0.00 | $7576.54 | $3838.27 | $3788.27 | $3788.27 | $3838.27 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000001000000000000000 | 000000000000000100000 | 2025-04-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3525.15000<br> $3525.15000<br> $3525.15000<br> $3525.15000<br> $3525.15000<br> $3525.15000<br> $3525.15000<br> $3525.15000<br> $3525.15000<br> $3525.15000<br> $3525.15000<br> $3788.27000<br> $0.00000<br> $7576.54000<br> $3838.27000<br> $3788.27000<br> $3788.27000<br> $3838.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.900% | 0.000% | 0.000% | 50.200% | $2724.77 | $65394.54 |
| 18474123 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Nebraska | xx | $334483.00 | 7.500% | $2339.00 | $2339.00 | 2025-04-30 | 2025-05-01 | 0 | The loan was originated on xx/xx/2025, and the first payment date is xx/xx/2025. According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $2,339.00 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 63089864 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $178091.41 | 6.375% | $1117.35 | $1117.35 | 2025-05-07 | 2025-06-01 | 0 | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,117.35 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,117.35 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1117.35 | $1349.78 | $1117.35 | $2234.70 | $0.00 | $1117.35 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-05-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1117.35000<br> $1349.78000<br> $1117.35000<br> $2234.70000<br> $0.00000<br> $1117.35000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.900% | 0.000% | 16.700% | 51.700% | $289.02 | $6936.53 |
| 9153510 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $192700.00 | 5.990% | $1154.10 |  | 2025-04-30 |  |  | According to payment history tape data as of xx/xx/2025, we are unable to determine the next due date, the last payment received. The current P&I is $1,154.10 and the interest rate is 5.99%. The current UPB reflected as per the payment history tape data is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMM | MMMMMM |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 39773827 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $546835.49 | 6.500% | $3482.69 | $4196.08 | 2025-08-11 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,196.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,482.69 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4196.08 | $4296.08 | $4196.08 | $4196.08 | $4196.08 | $4196.08 | $4196.08 | $4196.08 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-08-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4196.08000<br> $4296.08000<br> $4196.08000<br> $4196.08000<br> $4196.08000<br> $4196.08000<br> $4196.08000<br> $4196.08000<br> $0.00000<br> $0.00000 | 33.400% | 33.300% | 66.700% | 66.900% | $1402.86 | $33668.64 |
| 29254067 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $249643.22 | 4.125% | $1084.47 | $2279.45 | 2025-05-15 | 2025-04-01 | 1 | According to the payment history as of xx/xx/2025, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,279.45 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,084.47 with an interest rate of 4.125%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $18804.32 | $4402.55 | $0.00 | $2350.54 | $2279.45 | $2279.45 | $4558.90 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 101111004444321444444444 | 444444444123444400111101 | 2025-03-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $18804.32000<br> $4402.55000<br> $0.00000<br> $2350.54000<br> $2279.45000<br> $2279.45000<br> $4558.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 63.400% | 0.000% | 0.000% | 41.900% | $1444.80 | $34675.21 |
| 24665485 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Louisiana | xx | $120399.59 | 5.990% | $735.67 | $735.67 | 2025-05-07 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $735.66 P&I, which was applied for the due date of xx/xx/2025. The current P&I is $735.67 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | $735.67 | $735.67 | $735.67 | $735.67 | $735.67 | $735.67 | $735.67 | $735.67 | $735.67 | $735.67 | $735.67 | $735.67 | $0.00 | $2207.01 | $735.67 | $0.00 | $735.67 | $735.67 | $735.66 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000001000000000000 | 0000000000001000000 | 2025-05-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $735.67000<br> $735.67000<br> $735.67000<br> $735.67000<br> $735.67000<br> $735.67000<br> $735.67000<br> $735.67000<br> $735.67000<br> $735.67000<br> $735.67000<br> $735.67000<br> $0.00000<br> $2207.01000<br> $735.67000<br> $0.00000<br> $735.67000<br> $735.67000<br> $735.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.200% | 0.000% | 16.700% | 58.300% | $582.41 | $13977.72 |
| 1362087 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Louisiana | xx | $69041.87 | 5.990% | $417.32 | $417.32 | 2025-03-31 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $417.32 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $417.32 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $417.32 | $417.32 | $417.32 | $417.32 | $417.32 | $417.32 | $0.00 | $1251.96 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 01000000 | 00000010 | 2025-03-21 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $417.32000<br> $417.32000<br> $417.32000<br> $417.32000<br> $417.32000<br> $417.32000<br> $0.00000<br> $1251.96000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 50.000% | $156.50 | $3755.88 |
| 58653767 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $90522.99 | 6.750% | $648.60 | $648.60 | 2025-04-30 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,048.60 (P&I), which was applied for the due date of xx/xx/2025. The current P&I is $648.60 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $1500.60 | $1048.60 | $0.00 | $2097.20 | $0.00 | $1648.60 | $2948.60 | $0.00 | $1299.99 | $1299.99 | $1300.00 | $1407.19 | $0.00 | $848.59 | $2097.20 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-04-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $1500.60000<br> $1048.60000<br> $0.00000<br> $2097.20000<br> $0.00000<br> $1648.60000<br> $2948.60000<br> $0.00000<br> $1299.99000<br> $1299.99000<br> $1300.00000<br> $1407.19000<br> $0.00000<br> $848.59000<br> $2097.20000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 112.400% | 0.000% | 0.000% | 89.300% | $729.02 | $17496.56 |
| 53499301 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $191199.98 | 5.990% | $1171.31 | $1171.31 | 2025-04-30 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,200.00, which was applied for the due date of xx/xx/2025. The current P&I is $1,171.31 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2400.01 | $1200.01 | $1200.01 | $2400.01 | $1300.00 | $1200.00 | $1200.01 | $1200.01 | $1200.00 | $1200.01 | $1200.00 | $1200.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-04-29 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2400.01000<br> $1200.01000<br> $1200.01000<br> $2400.01000<br> $1300.00000<br> $1200.00000<br> $1200.01000<br> $1200.01000<br> $1200.00000<br> $1200.01000<br> $1200.00000<br> $1200.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 60.100% | 0.000% | 0.000% | 51.200% | $704.17 | $16900.07 |
| 85749302 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Louisiana | xx | $193191.42 | 6.250% | $1227.22 | $1227.22 | 2025-04-24 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,227.22, which was applied for the due date of xx/xx/2025. The current P&I is $1,227.22 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | $1227.22 | $0.00 | $2454.43 | $1227.22 | $1227.22 | $0.00 | $2454.43 | $0.00 | $1227.22 | $2454.43 | $0.00 | $2454.43 | $0.00 | $1227.22 | $1227.22 | $1227.22 | $2454.43 | $1227.22 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-04-24 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1227.22000<br> $0.00000<br> $2454.43000<br> $1227.22000<br> $1227.22000<br> $0.00000<br> $2454.43000<br> $0.00000<br> $1227.22000<br> $2454.43000<br> $0.00000<br> $2454.43000<br> $0.00000<br> $1227.22000<br> $1227.22000<br> $1227.22000<br> $2454.43000<br> $1227.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $920.41 | $22089.91 |
| 40851282 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | $298766.69 | 6.750% | $1953.04 | $1953.04 | 2025-05-07 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,953.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,953.04 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2080.03 | $2080.03 | $4160.06 | $0.00 | $2080.03 | $2080.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-05-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2080.03000<br> $2080.03000<br> $4160.06000<br> $0.00000<br> $2080.03000<br> $2080.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 26.600% | 0.000% | 17.800% | 53.300% | $520.01 | $12480.18 |
| 37413523 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $413795.92 | 6.188% | $2618.29 | $3580.68 | 2025-05-05 | 2025-04-01 | 1 | According to payment history as of xx/xx/2025, the borrower has been delinquent with the loan for 1 month, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,580.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,618.29 with an interest rate of 6.188%. The current UPB reflected as per the payment history is xx. PH for the month of xxx 2024 shows a bulk payment in the amount of xx, which was applied for the due dates of xx/xx/2024 to xx/xx/2024. As per the comments dated xx/xx/2024, these are the borrower's payments. | $3732.55 | $0.00 | $0.00 | $3732.55 | $6609.02 | $3732.55 | $5418.09 | $0.00 | $3580.68 | $3580.68 | $3580.68 | $0.00 | $0.00 | $10742.04 | $3580.68 | $3580.68 | $3580.68 | $3580.68 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 111113211110112210MMMMMM | MMMMMM012211011112311111 | 2025-04-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3732.55000<br> $0.00000<br> $0.00000<br> $3732.55000<br> $6609.02000<br> $3732.55000<br> $5418.09000<br> $0.00000<br> $3580.68000<br> $3580.68000<br> $3580.68000<br> $0.00000<br> $0.00000<br> $10742.04000<br> $3580.68000<br> $3580.68000<br> $3580.68000<br> $3580.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.700% | 0.000% | 0.000% | 58.300% | $2459.65 | $59031.56 |
| 21328762 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | $284976.01 | 6.990% | $1906.83 | $2491.34 | 2025-05-23 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,491.34 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,906.83 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2491.34 | $2491.34 | $2491.34 | $2491.34 | $2491.34 | $2491.34 | $2491.34 | $2491.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-05-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2491.34000<br> $2491.34000<br> $2491.34000<br> $2491.34000<br> $2491.34000<br> $2491.34000<br> $2491.34000<br> $2491.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 16.700% | 58.300% | $830.45 | $19930.72 |
| 13273768 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Idaho | xx | $323992.49 | 6.500% | $2054.22 | $2314.87 | 2025-05-23 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,350.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,054.22 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2400.00 | $2315.00 | $2350.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-05-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2400.00000<br> $2315.00000<br> $2350.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.700% | 0.000% | 16.900% | 25.400% | $294.38 | $7065.00 |
| 39559542 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Oklahoma | xx | $310500.00 | 8.125% | $2305.45 |  | 2025-05-23 | 2025-06-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $2,305.45 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 2792562 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $433871.35 | 6.375% | $2807.41 | $2807.41 | 2025-05-21 | 2025-06-01 | 0 | As per the seller's tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine last payment received date. The current P&I is $2,807.41, and the interest rate is 6.375%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $68484.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMM210444444444 | 444444444012MMMMMMMMMMMM |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $68484.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 101.600% | 0.000% | 0.000% | 0.000% | $2853.51 | $68484.14 |
| 85205751 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $350889.60 | 7.625% | $2500.28 | $3671.65 | 2025-05-07 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,671.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,500.28 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3671.65 | $3671.65 | $3671.65 | $3671.65 | $3671.65 | $3671.65 | $3671.65 | $3671.65 | $3671.65 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-05-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3671.65000<br> $3671.65000<br> $3671.65000<br> $3671.65000<br> $3671.65000<br> $3671.65000<br> $3671.65000<br> $3671.65000<br> $3671.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 16.700% | 58.300% | $1376.87 | $33044.85 |
| 93116387 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $157018.84 | 6.630% | $1013.64 | $1330.02 | 2025-05-29 | 2025-06-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,330.02 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,013.64 with an interest rate of 6.630%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1330.02 | $1330.02 | $1330.02 | $1330.02 | $1330.02 | $1330.02 | $1330.02 | $1013.64 | $1330.02 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-05-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1330.02000<br> $1330.02000<br> $1330.02000<br> $1330.02000<br> $1330.02000<br> $1330.02000<br> $1330.02000<br> $1013.64000<br> $1330.02000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 36.500% | 0.000% | 16.700% | 56.400% | $485.58 | $11653.80 |
| 67958033 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $251858.72 | 8.875% | $2005.03 | $2665.33 | 2025-05-29 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,665.33 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,005.03 with an interest rate of 8.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2665.33 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-05-20 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2665.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $111.06 | $2665.33 |
| 39410952 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $142403.13 | 7.125% | $964.09 | $1288.84 | 2025-06-04 | 2025-06-01 | 0 | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,288.84 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $964.09 with an interest rate of 7.125%. The current UPB reflected as per the payment history tape data is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1288.84 | $1288.84 | $1288.84 | $1288.84 | $1288.84 | $1288.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-05-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1288.84000<br> $1288.84000<br> $1288.84000<br> $1288.84000<br> $1288.84000<br> $1288.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 16.700% | 50.000% | $322.21 | $7733.04 |
| 28270712 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Utah | xx | $191200.00 | 6.750% | $1240.12 | $1240.12 | 2025-05-28 | 2025-07-01 | 0 | The loan was originated on xx/xx/2025, with the first payment date xx/xx/2025. According to the payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current monthly P&I is $1,240.12, and the rate of interest is 6.75000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 36616793 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $361147.68 | 7.250% | $2469.48 | $3324.15 | 2025-05-13 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,324.15 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,469.48 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3324.15 | $3324.15 | $3324.15 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-04-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3324.15000<br> $3324.15000<br> $3324.15000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 25.000% | $415.52 | $9972.45 |
| 50946257 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | $284580.48 | 7.250% | $1958.66 | $2445.47 | 2025-05-21 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,445.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,958.66 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $ xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2445.47 | $2445.47 | $2445.47 | $2445.47 | $2445.47 | $2445.47 | $2445.47 | $2445.47 | $2445.47 | $2445.47 | $2445.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-05-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2445.47000<br> $2445.47000<br> $2445.47000<br> $2445.47000<br> $2445.47000<br> $2445.47000<br> $2445.47000<br> $2445.47000<br> $2445.47000<br> $2445.47000<br> $2445.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 16.700% | 58.300% | $1120.84 | $26900.17 |
| 46236260 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Colorado | xx | $677192.00 | 6.500% | $4280.31 |  | 2025-05-26 | 2025-07-01 | 0 | The loan was originated on xx/xx/2025 with the loan amount of $XX and the first payment date is xx/xx/2025. According to payment history tape data as of xx/xx/2025, the current P&I is $4,280.31 with an interest rate of 6.500%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  | 2025-05-20 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 58093354 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $303223.19 | 7.125% | $2066.97 | $2530.14 | 2025-06-04 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,530.14 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $2,066.97, and the interest rate is 7.125%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5015.20 | $0.00 | $5015.20 | $2507.60 | $2507.60 | $2501.60 | $2513.60 | $2507.60 | $2507.60 | $2507.60 | $2507.60 | $2507.60 | $2530.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-05-29 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5015.20000<br> $0.00000<br> $5015.20000<br> $2507.60000<br> $2507.60000<br> $2501.60000<br> $2513.60000<br> $2507.60000<br> $2507.60000<br> $2507.60000<br> $2507.60000<br> $2507.60000<br> $2530.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 57.900% | 0.000% | 16.700% | 57.900% | $1463.71 | $35128.94 |
| 75263161 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Washington D.C. | xx | $925512.43 | 6.125% | $5674.17 | $6608.00 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,608.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,674.17 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6608.00 | $6608.00 | $6608.00 | $6608.00 | $6608.00 | $6608.00 | $6608.00 | $6608.00 | $6608.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6608.00000<br> $6608.00000<br> $6608.00000<br> $6608.00000<br> $6608.00000<br> $6608.00000<br> $6608.00000<br> $6608.00000<br> $6608.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 33.300% | 66.700% | $2478.00 | $59472.00 |
| 87332234 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $552100.58 | 7.125% | $3747.22 | $4820.32 | 2025-06-14 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,820.32 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,747.22 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4820.32 | $4820.32 | $4820.32 | $4820.32 | $4820.32 | $4820.32 | $4820.32 | $4820.32 | $4820.32 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-06-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4820.32000<br> $4820.32000<br> $4820.32000<br> $4820.32000<br> $4820.32000<br> $4820.32000<br> $4820.32000<br> $4820.32000<br> $4820.32000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 33.300% | 66.700% | $1807.62 | $43382.88 |
| 3474660 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | $575080.54 | 6.500% | $3641.50 | $3778.00 | 2025-06-05 | 2025-07-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,778.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,641.50 with an interest rate of 6.500%. The current UPB reflected as per payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3778.00 | $3778.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3778.00000<br> $3778.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $314.83 | $7556.00 |
| 93799404 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | $236369.33 | 6.250% | $1463.04 | $1738.46 | 2025-06-12 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1735.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,463.04 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1844.93 | $1844.93 | $0.00 | $1951.40 | $3476.92 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-05-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1844.93000<br> $1844.93000<br> $0.00000<br> $1951.40000<br> $3476.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 21.900% | 0.000% | 33.300% | 43.700% | $379.92 | $9118.18 |
| 38797513 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $272112.38 | 7.125% | $1841.85 | $1841.85 | 2025-06-03 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,841.85 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,841.85 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $825.25 | $1841.85 | $1841.85 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $825.25000<br> $1841.85000<br> $1841.85000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 10.200% | 0.000% | 33.300% | 20.400% | $187.87 | $4508.95 |
| 35973583 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Kentucky | xx | $174726.14 | 7.250% | $1193.81 | $1526.30 | 2025-06-13 | 2025-07-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,526.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,193.81 with an interest rate of 7.250%. The current UPB reflected as per payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1526.30 | $0.00 | $1526.30 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1526.30000<br> $0.00000<br> $1526.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 16.700% | 16.700% | $127.19 | $3052.60 |
| 26820404 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $373620.14 | 6.250% | $2302.78 | $2475.40 | 2025-06-03 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,475.40 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,302.78 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2500.40 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2500.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.800% | 8.400% | $104.18 | $2500.40 |
| 97661630 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $261000.00 |  |  |  | 2025-06-03 | 2025-07-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 98478217 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $141853.12 | 6.125% | $877.91 | $1340.00 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,340.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $877.91 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1340.00 | $1340.00 | $1340.00 | $2889.44 | $1340.00 | $1340.52 | $1340.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1340.00000<br> $1340.00000<br> $1340.00000<br> $2889.44000<br> $1340.00000<br> $1340.52000<br> $1340.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 34.000% | 0.000% | 33.300% | 68.000% | $455.42 | $10929.96 |
| 32380238 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $281948.80 | 6.125% | $1789.81 | $2142.16 | 2025-06-11 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,142.16 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,789.81 and the interest rate is 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $11644.94 | $2274.13 | $2142.16 | $2142.16 | $2142.10 | $2142.16 | $2142.16 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $11644.94000<br> $2274.13000<br> $2142.16000<br> $2142.16000<br> $2142.10000<br> $2142.16000<br> $2142.16000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 47.900% | 0.000% | 33.300% | 95.800% | $1026.24 | $24629.81 |
| 79043529 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $204807.33 | 7.250% | $1412.11 | $1902.83 | 2025-05-31 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,902.83 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,412.11 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2000.00 | $2000.00 | $2000.00 | $1929.39 | $1896.60 | $1902.83 | $1902.83 | $1902.83 | $1902.83 | $1902.83 | $1902.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-05-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $1929.39000<br> $1896.60000<br> $1902.83000<br> $1902.83000<br> $1902.83000<br> $1902.83000<br> $1902.83000<br> $1902.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 46.500% | 0.000% | 16.700% | 58.300% | $885.12 | $21242.97 |
| 95574869 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $402888.57 | 6.625% | $3180.47 | $4123.14 | 2025-05-31 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,123.14 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,180.47 with an interest rate of 6.62500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4340.00 | $4340.00 | $6510.00 | $4340.00 | $4340.00 | $4340.00 | $4340.00 | $6510.00 | $4340.00 | $0.00 | $4059.96 | $0.00 | $8183.10 | $8246.28 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0010000000000 | 0000000000100 | 2025-05-29 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4340.00000<br> $4340.00000<br> $6510.00000<br> $4340.00000<br> $4340.00000<br> $4340.00000<br> $4340.00000<br> $6510.00000<br> $4340.00000<br> $0.00000<br> $4059.96000<br> $0.00000<br> $8183.10000<br> $8246.28000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 64.600% | 0.000% | 33.300% | 63.300% | $2662.06 | $63889.34 |
| 25432886 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | $197028.90 | 5.990% | $1190.93 | $1668.41 | 2025-06-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,668.41 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,190.93 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1668.42 | $1668.42 | $1668.41 | $1668.41 | $1668.41 | $1668.41 | $1668.41 | $1668.41 | $1668.41 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-05-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1668.42000<br> $1668.42000<br> $1668.41000<br> $1668.41000<br> $1668.41000<br> $1668.41000<br> $1668.41000<br> $1668.41000<br> $1668.41000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 33.300% | 66.700% | $625.65 | $15015.71 |
| 72774715 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $160416.40 | 7.250% | $1096.91 | $1713.01 | 2025-05-31 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,713.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,096.91 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1713.01 | $1713.01 | $1713.01 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-05-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1713.01000<br> $1713.01000<br> $1713.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $214.13 | $5139.03 |
| 99329844 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $337408.85 | 6.375% | $2133.64 | $2709.27 | 2025-06-13 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,709.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,133.64 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2751.79 | $2751.79 | $2751.79 | $2751.79 | $2751.79 | $0.00 | $5503.58 | $2751.79 | $2751.79 | $2646.14 | $2646.14 | $2671.74 | $2671.74 | $2709.27 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000100000 | 00000100000000 | 2025-06-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2751.79000<br> $2751.79000<br> $2751.79000<br> $2751.79000<br> $2751.79000<br> $0.00000<br> $5503.58000<br> $2751.79000<br> $2751.79000<br> $2646.14000<br> $2646.14000<br> $2671.74000<br> $2671.74000<br> $2709.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.600% | 0.000% | 33.100% | 74.900% | $1587.96 | $38111.14 |
| 34343409 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $260649.96 | 7.375% | $1804.39 | $2468.51 | 2025-05-31 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,468.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,804.39 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2468.28 | $2468.51 | $2468.51 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-05-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2468.28000<br> $2468.51000<br> $2468.51000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $308.55 | $7405.30 |
| 70350498 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $192361.13 | 7.125% | $1313.55 | $1707.76 | 2025-05-31 | 2025-06-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,707.76 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,313.55 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $1734.10 | $1734.10 | $1734.10 | $1734.10 | $1764.10 | $0.00 | $1734.10 | $0.00 | $1734.10 | $0.00 | $0.00 | $0.00 | $6643.96 | $1660.99 | $1660.99 | $1707.76 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000321MM1100000 | 0000011MM1230000 | 2025-05-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $1734.10000<br> $1734.10000<br> $1734.10000<br> $1734.10000<br> $1764.10000<br> $0.00000<br> $1734.10000<br> $0.00000<br> $1734.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6643.96000<br> $1660.99000<br> $1660.99000<br> $1707.76000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.200% | 0.000% | 16.700% | 57.000% | $993.43 | $23842.40 |
| 27678535 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $184076.41 | 2.875% | $678.24 | $1437.27 | 2025-05-31 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,437.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $678.24 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx and the deferred balance is $XX The deferred agreements dated xx/xx/2023 & xx/xx/2025 are located at XX . The payment history reflects that the due dates were advanced from xx/xx/2024 to xx/xx/2025 due to these deferred agreement. | $1344.19 | $1344.19 | $1344.19 | $1596.94 | $1596.94 | $1596.94 | $1350.54 | $1350.54 | $1350.54 | $2701.08 | $0.00 | $1350.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1437.27 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444432100000000000000000 | 000000000000000001234444 | 2025-05-12 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1344.19000<br> $1344.19000<br> $1344.19000<br> $1596.94000<br> $1596.94000<br> $1596.94000<br> $1350.54000<br> $1350.54000<br> $1350.54000<br> $2701.08000<br> $0.00000<br> $1350.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1437.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.200% | 0.000% | 16.700% | 8.300% | $765.16 | $18363.90 |
| 18323198 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $183185.26 | 5.750% | $982.12 | $1734.08 | 2025-06-02 | 2025-06-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,734.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $982.12 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. The due dates were advanced from xx/xx/2024 to xx/xx/2024 due to modification. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1812.60 | $1812.60 | $1821.75 | $0.00 | $1868.84 | $1868.84 | $1868.84 | $3553.81 | $1734.08 | $0.00 | $1734.08 | $1734.08 | $1734.08 | $1734.08 | $0.00 | $0.00 | $0.00 | $0.00 | 111100111104444432100000 | 000001234444401111001111 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1812.60000<br> $1812.60000<br> $1821.75000<br> $0.00000<br> $1868.84000<br> $1868.84000<br> $1868.84000<br> $3553.81000<br> $1734.08000<br> $0.00000<br> $1734.08000<br> $1734.08000<br> $1734.08000<br> $1734.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 55.900% | 0.000% | 33.300% | 67.700% | $969.90 | $23277.68 |
| 45810620 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $273939.73 | 5.875% | $1492.60 | $2398.12 | 2025-06-04 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,398.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,492.60 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2066.17 | $2066.17 | $4132.34 | $0.00 | $2398.12 | $2398.12 | $2398.12 | $2398.12 | $2398.12 | $2398.12 | $2398.12 | $2398.12 | $0.00 | $0.00 | $0.00 | $0.00 | 000000004444444444444444 | 444444444444444400000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2066.17000<br> $2066.17000<br> $4132.34000<br> $0.00000<br> $2398.12000<br> $2398.12000<br> $2398.12000<br> $2398.12000<br> $2398.12000<br> $2398.12000<br> $2398.12000<br> $2398.12000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 47.700% | 0.000% | 33.300% | 66.700% | $1143.74 | $27449.64 |
| 34133007 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $79650.13 | 6.625% | $473.83 | $1324.19 | 2025-05-31 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,324.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $473.83 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx and deferred balance is $9,096.81. | $1407.91 | $1407.91 | $1407.91 | $0.00 | $1407.91 | $1407.91 | $0.00 | $1407.91 | $1407.91 | $1407.91 | $0.00 | $1407.91 | $1407.91 | $0.00 | $1407.91 | $0.00 | $1407.91 | $1324.19 | $1324.19 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0044443332222111000 | 0001112222333444400 | 2025-05-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1407.91000<br> $1407.91000<br> $1407.91000<br> $0.00000<br> $1407.91000<br> $1407.91000<br> $0.00000<br> $1407.91000<br> $1407.91000<br> $1407.91000<br> $0.00000<br> $1407.91000<br> $1407.91000<br> $0.00000<br> $1407.91000<br> $0.00000<br> $1407.91000<br> $1324.19000<br> $1324.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 61.500% | 0.000% | 16.700% | 43.200% | $814.30 | $19543.30 |
| 50845 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $709764.21 | 7.250% | $4480.97 | $6698.29 | 2025-06-06 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,698.29 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,480.97 with an interest rate of 7.250%. The current UPB reflected as per the payment history tape data is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6698.29 | $6698.29 | $6698.29 | $6698.29 | $6698.29 | $6698.29 | $6698.29 | $6698.29 | $6698.29 | $6698.29 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-05-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6698.29000<br> $6698.29000<br> $6698.29000<br> $6698.29000<br> $6698.29000<br> $6698.29000<br> $6698.29000<br> $6698.29000<br> $6698.29000<br> $6698.29000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 16.700% | 58.300% | $2790.95 | $66982.90 |
| 69649019 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $266176.19 | 6.875% | $1750.06 | $2223.69 | 2025-06-02 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,223.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,750.06 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2223.69 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2223.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $92.65 | $2223.69 |
| 90959756 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Tennessee | xx | $158995.30 | 6.625% | $1024.50 | $1241.67 | 2025-06-02 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,241.67 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,024.50 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1219.25 | $0.00 | $0.00 | $2483.34 | $1241.67 | $1241.67 | $1241.67 | $1241.67 | $0.00 | $0.00 | $0.00 | $0.00 | 0000010 | 0100000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1219.25000<br> $0.00000<br> $0.00000<br> $2483.34000<br> $1241.67000<br> $1241.67000<br> $1241.67000<br> $1241.67000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.100% | 0.000% | 33.300% | 58.200% | $361.22 | $8669.27 |
| 62996461 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $184587.69 | 6.875% | $1215.32 | $1362.79 | 2025-06-12 | 2025-07-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,362.79 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,215.32 with an interest rate of 6.875%. The current UPB reflected as per payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1362.79 | $1362.79 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-06-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1362.79000<br> $1362.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $113.57 | $2725.58 |
| 80270620 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $425700.00 | 7.250% | $2904.02 | $2904.02 | 2025-06-12 | 2025-07-01 | 0 | The loan was originated on xx/xx/2025, with the first payment date xx/xx/2025. According to the payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current monthly P&I is $2,904.02, and the rate of interest is 7.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 64465876 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Nebraska | xx | $764000.00 | 7.125% | $5147.21 |  | 2025-05-31 | 2025-07-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. The current P&I is $5,147.21 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 64284543 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | $378421.00 | 6.990% | $2525.60 | $2525.60 | 2025-06-06 | 2025-06-01 | 0 | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. We are unable to determine the last payment received. The current P&I is $2,525.60 with an interest rate of 6.990%. The current UPB reflected as per the payment history tape data is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMM | MMMMM |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 9284325 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $197123.66 | 4.000% | $1065.83 | $1526.29 | 2025-06-04 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,526.29 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,065.83 with an interest rate of 4.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $30942.87 | $0.00 | $1526.29 | $1526.29 | $1526.29 | $1526.29 | $0.00 | $0.00 | $0.00 | $0.00 | 000000444444444444444432 | 234444444444444444000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $30942.87000<br> $0.00000<br> $1526.29000<br> $1526.29000<br> $1526.29000<br> $1526.29000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 101.100% | 0.000% | 33.300% | 202.300% | $1543.67 | $37048.03 |
| 32332279 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $712713.41 | 6.125% | $4374.02 | $5694.19 | 2025-06-12 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,694.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,374.02 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5694.19 | $5694.19 | $6194.19 | $6194.19 | $6194.19 | $5694.19 | $5694.19 | $5694.19 | $5694.19 | $5694.19 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-06-12 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5694.19000<br> $5694.19000<br> $6194.19000<br> $6194.19000<br> $6194.19000<br> $5694.19000<br> $5694.19000<br> $5694.19000<br> $5694.19000<br> $5694.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 42.800% | 0.000% | 33.300% | 68.900% | $2435.08 | $58441.90 |
| 86079882 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Mexico | xx | $239872.51 | 7.375% | $1663.15 | $1996.93 | 2025-07-01 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,996.93(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,663.15 and the interest rate is 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1996.93 | $1996.93 | $1996.93 | $1996.93 | $1996.93 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1996.93000<br> $1996.93000<br> $1996.93000<br> $1996.93000<br> $1996.93000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 50.000% | 41.700% | $416.03 | $9984.65 |
| 96310635 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | $1000432.84 | 7.375% | $6993.09 | $7762.77 | 2025-07-01 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,762.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,993.09 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $15525.54 | $15525.54 | $0.00 | $7762.77 | $12456.98 | $7762.77 | $7762.77 | $7762.77 | $7762.77 | $7762.77 | $7762.77 | $7762.77 | $7762.77 | $7762.77 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000001 | 100000000000000 | 2025-06-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $15525.54000<br> $15525.54000<br> $0.00000<br> $7762.77000<br> $12456.98000<br> $7762.77000<br> $7762.77000<br> $7762.77000<br> $7762.77000<br> $7762.77000<br> $7762.77000<br> $7762.77000<br> $7762.77000<br> $7762.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.000% | 0.000% | 33.300% | 66.700% | $5047.32 | $121135.76 |
| 78730462 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $395332.12 | 6.125% | $2475.91 | $3134.44 | 2025-07-01 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,134.44 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,475.91 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3133.69 | $0.00 | $798.17 | $3133.69 | $10142.00 | $3133.69 | $3133.69 | $3133.69 | $3133.69 | $3134.44 | $3134.44 | $3134.44 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000210 | 012000000000 | 2025-06-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3133.69000<br> $0.00000<br> $798.17000<br> $3133.69000<br> $10142.00000<br> $3133.69000<br> $3133.69000<br> $3133.69000<br> $3133.69000<br> $3134.44000<br> $3134.44000<br> $3134.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 52.000% | 0.000% | 33.300% | 85.300% | $1631.07 | $39145.63 |
| 74904297 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $692978.17 | 7.250% | $4802.52 | $5605.42 | 2025-07-01 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,605.42 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,802.52 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $11037.52 | $5518.76 | $5518.76 | $5518.76 | $5518.76 | $0.00 | $11035.85 | $5517.09 | $5517.09 | $5517.09 | $5517.09 | $0.00 | $16551.27 | $0.00 | $8595.48 | $11037.52 | $5605.42 | $5605.42 | $0.00 | $0.00 | $0.00 | $0.00 | 0001001000001000001 | 1000001000001001000 | 2025-06-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $11037.52000<br> $5518.76000<br> $5518.76000<br> $5518.76000<br> $5518.76000<br> $0.00000<br> $11035.85000<br> $5517.09000<br> $5517.09000<br> $5517.09000<br> $5517.09000<br> $0.00000<br> $16551.27000<br> $0.00000<br> $8595.48000<br> $11037.52000<br> $5605.42000<br> $5605.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.500% | 0.000% | 33.300% | 78.700% | $4733.83 | $113611.88 |
| 13126270 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $229879.22 | 7.875% | $1687.60 | $2552.65 | 2025-05-27 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,552.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,687.60 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $2466.24 | $2415.57 | $2415.57 | $2415.57 | $2415.57 | $2415.57 | $2415.57 | $0.00 | $4831.14 | $2415.57 | $2415.57 | $2415.57 | $2415.57 | $2298.83 | $2298.83 | $2552.65 | $2552.65 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000010000000 | 00000001000000000 | 2025-05-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $2466.24000<br> $2415.57000<br> $2415.57000<br> $2415.57000<br> $2415.57000<br> $2415.57000<br> $2415.57000<br> $0.00000<br> $4831.14000<br> $2415.57000<br> $2415.57000<br> $2415.57000<br> $2415.57000<br> $2298.83000<br> $2298.83000<br> $2552.65000<br> $2552.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 67.200% | 0.000% | 16.700% | 55.300% | $1714.84 | $41156.04 |
| 9873756 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $424851.89 | 6.875% | $2795.69 | $3850.27 | 2025-06-24 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,850.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,795.69 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7700.54 | $0.00 | $0.00 | $0.00 | $0.00 | 01 | 10 | 2025-06-24 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7700.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $320.86 | $7700.54 |
| 52359356 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $296442.83 | 6.625% | $1920.93 | $2364.25 | 2025-06-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,364.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,920.93 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2364.25 | $2364.25 | $2364.25 | $2364.25 | $2364.25 | $2364.25 | $2364.25 | $2364.25 | $2364.25 | $2364.25 | $2364.25 | $2401.63 | $2401.63 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2364.25000<br> $2364.25000<br> $2364.25000<br> $2364.25000<br> $2364.25000<br> $2364.25000<br> $2364.25000<br> $2364.25000<br> $2364.25000<br> $2364.25000<br> $2364.25000<br> $2401.63000<br> $2401.63000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.300% | 0.000% | 33.900% | 66.900% | $1283.75 | $30810.01 |
| 6899322 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Hawaii | xx | $476057.29 | 7.125% | $3233.85 | $3501.69 | 2025-06-05 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,501.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,233.85 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3501.69 | $3501.69 | $3501.69 | $3501.69 | $3501.69 | $3501.69 | $3501.69 | $3501.69 | $3501.69 | $3501.69 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3501.69000<br> $3501.69000<br> $3501.69000<br> $3501.69000<br> $3501.69000<br> $3501.69000<br> $3501.69000<br> $3501.69000<br> $3501.69000<br> $3501.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 33.300% | 66.700% | $1459.04 | $35016.90 |
| 43710661 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Utah | xx | $337444.29 | 6.250% | $1928.91 | $2156.77 | 2025-06-12 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,156.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,928.91 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $2093.70 | $2093.70 | $2093.70 | $0.00 | $0.00 | $2093.19 | $2093.19 | $2093.19 | $2093.19 | $2156.77 | $2156.77 | $2156.77 | $2156.77 | $2156.77 | $2156.77 | $2156.77 | $2156.77 | $2156.77 | $2156.77 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000004444444444 | 444444444400000000000000 | 2025-06-12 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $2093.70000<br> $2093.70000<br> $2093.70000<br> $0.00000<br> $0.00000<br> $2093.19000<br> $2093.19000<br> $2093.19000<br> $2093.19000<br> $2156.77000<br> $2156.77000<br> $2156.77000<br> $2156.77000<br> $2156.77000<br> $2156.77000<br> $2156.77000<br> $2156.77000<br> $2156.77000<br> $2156.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.000% | 0.000% | 33.300% | 66.700% | $1509.23 | $36221.56 |
| 32747925 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $286179.96 | 7.125% | $1952.10 | $2660.48 | 2025-07-01 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,660.48 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,952.10 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2659.81 | $2659.81 | $2659.81 | $2659.81 | $2850.80 | $2850.80 | $2850.80 | $2850.80 | $2659.81 | $2659.81 | $2659.81 | $2660.48 | $2660.48 | $2660.48 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2659.81000<br> $2659.81000<br> $2659.81000<br> $2659.81000<br> $2850.80000<br> $2850.80000<br> $2850.80000<br> $2850.80000<br> $2659.81000<br> $2659.81000<br> $2659.81000<br> $2660.48000<br> $2660.48000<br> $2660.48000<br> $0.00000<br> $0.00000<br> $0.00000 | 59.500% | 0.000% | 50.000% | 76.800% | $1583.47 | $38003.31 |
| 18283891 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $213992.32 | 3.250% | $803.81 | $1919.70 | 2025-07-08 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,919.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $803.81 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2217.72 | $0.00 | $0.00 | $1439.48 | $1439.48 | $2039.58 | $2039.58 | $2039.58 | $1919.70 | $1919.70 | $1919.70 | $0.00 | $0.00 | $0.00 | 000000004444444444444444 | 444444444444444400000000 | 2025-07-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2217.72000<br> $0.00000<br> $0.00000<br> $1439.48000<br> $1439.48000<br> $2039.58000<br> $2039.58000<br> $2039.58000<br> $1919.70000<br> $1919.70000<br> $1919.70000<br> $0.00000<br> $0.00000<br> $0.00000 | 36.800% | 0.000% | 50.000% | 64.100% | $707.27 | $16974.52 |
| 34128026 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | $460142.96 | 5.990% | $2766.95 | $3322.51 | 2025-07-01 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,322.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,766.95 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3322.51 | $3322.51 | $3322.51 | $3322.51 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3322.51000<br> $3322.51000<br> $3322.51000<br> $3322.51000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 50.000% | 33.300% | $553.75 | $13290.04 |
| 74687683 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Wisconsin | xx | $118604.03 | 7.500% | $839.06 | $1159.97 | 2025-07-01 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,159.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $839.06 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1123.31 | $1123.31 | $1123.31 | $1123.31 | $1123.31 | $1123.31 | $1123.31 | $1123.31 | $1123.31 | $1123.31 | $1123.31 | $1123.31 | $1161.78 | $1159.97 | $1159.97 | $0.00 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1123.31000<br> $1123.31000<br> $1123.31000<br> $1123.31000<br> $1123.31000<br> $1123.31000<br> $1123.31000<br> $1123.31000<br> $1123.31000<br> $1123.31000<br> $1123.31000<br> $1123.31000<br> $1161.78000<br> $1159.97000<br> $1159.97000<br> $0.00000<br> $0.00000<br> $0.00000 | 60.900% | 0.000% | 50.000% | 73.400% | $706.73 | $16961.44 |
| 76432362 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | $644066.98 | 6.125% | $4028.89 | $5424.20 | 2025-06-23 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,423.20 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,028.89 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5424.00 | $1500.00 | $13848.40 | $1500.00 | $6924.20 | $6924.20 | $6924.20 | $6924.20 | $6924.20 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-06-23 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5424.00000<br> $1500.00000<br> $13848.40000<br> $1500.00000<br> $6924.20000<br> $6924.20000<br> $6924.20000<br> $6924.20000<br> $6924.20000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 43.700% | 0.000% | 42.600% | 79.100% | $2370.56 | $56893.40 |
| 75612857 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Massachusetts | xx | $218004.69 | 6.125% | $1332.49 | $1675.52 | 2025-05-27 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,675.52 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,332.49 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1675.52 | $0.00 | $1675.52 | $1675.52 | $1675.52 | $3351.04 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-05-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1675.52000<br> $0.00000<br> $1675.52000<br> $1675.52000<br> $1675.52000<br> $3351.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 33.300% | 50.000% | $418.88 | $10053.12 |
| 80918686 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $494274.54 | 7.000% | $3372.92 | $4412.09 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,412.09 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,372.92 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4618.07 | $4411.42 | $4411.42 | $4411.42 | $4411.42 | $4411.42 | $4412.09 | $4412.09 | $4412.09 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4618.07000<br> $4411.42000<br> $4411.42000<br> $4411.42000<br> $4411.42000<br> $4411.42000<br> $4412.09000<br> $4412.09000<br> $4412.09000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.700% | 0.000% | 33.300% | 66.700% | $1662.98 | $39911.44 |
| 26297952 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $265641.35 | 7.125% | $1856.09 | $3177.41 | 2025-07-01 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,177.41 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,856.09 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $2972.51 | $2772.51 | $3772.51 | $3022.51 | $3022.51 | $3044.83 | $3044.83 | $3294.83 | $3294.83 | $2794.83 | $2794.83 | $2794.83 | $2794.83 | $2794.83 | $2794.83 | $2794.83 | $2794.83 | $3177.41 | $3177.41 | $3177.41 | $3177.41 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2972.51000<br> $2772.51000<br> $3772.51000<br> $3022.51000<br> $3022.51000<br> $3044.83000<br> $3044.83000<br> $3294.83000<br> $3294.83000<br> $2794.83000<br> $2794.83000<br> $2794.83000<br> $2794.83000<br> $2794.83000<br> $2794.83000<br> $2794.83000<br> $2794.83000<br> $3177.41000<br> $3177.41000<br> $3177.41000<br> $3177.41000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.000% | 0.000% | 50.000% | 70.000% | $2637.92 | $63310.15 |
| 90872536 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | $181383.58 | 2.750% | $898.13 | $1755.01 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,755.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $898.13 with an interest rate of 2.750%. The current UPB reflected as per the payment history is xx. | $1574.52 | $1374.52 | $1574.52 | $1574.52 | $1574.52 | $1574.52 | $1574.52 | $1274.52 | $1274.52 | $1574.52 | $33061.18 | $2513.84 | $1556.92 | $1256.92 | $1556.92 | $1256.92 | $1256.92 | $1456.92 | $1755.01 | $1755.01 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000100000000000000 | 000000000000001000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1574.52000<br> $1374.52000<br> $1574.52000<br> $1574.52000<br> $1574.52000<br> $1574.52000<br> $1574.52000<br> $1274.52000<br> $1274.52000<br> $1574.52000<br> $33061.18000<br> $2513.84000<br> $1556.92000<br> $1256.92000<br> $1556.92000<br> $1256.92000<br> $1256.92000<br> $1456.92000<br> $1755.01000<br> $1755.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 148.100% | 0.000% | 33.300% | 56.300% | $2598.82 | $62371.76 |
| 67388695 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $393929.27 | 6.125% | $2432.87 | $2705.74 | 2025-06-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,705.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,432.87 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $2680.53 | $2680.53 | $2680.53 | $2680.53 | $2680.53 | $2680.53 | $2680.53 | $2680.53 | $2680.53 | $2705.74 | $2705.74 | $2705.74 | $2705.74 | $2705.74 | $2705.74 | $2705.74 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2680.53000<br> $2680.53000<br> $2680.53000<br> $2680.53000<br> $2680.53000<br> $2680.53000<br> $2680.53000<br> $2680.53000<br> $2680.53000<br> $2705.74000<br> $2705.74000<br> $2705.74000<br> $2705.74000<br> $2705.74000<br> $2705.74000<br> $2705.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.300% | 0.000% | 33.300% | 66.600% | $1794.37 | $43064.95 |
| 7681932 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $716065.68 | 7.625% | $5110.27 | $5110.27 | 2025-06-11 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,110.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,110.27 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5110.27 | $5110.27 | $5110.27 | $5110.27 | $5110.27 | $5110.27 | $5110.27 | $5110.27 | $5110.27 | $5110.27 | $5110.27 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-06-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5110.27000<br> $5110.27000<br> $5110.27000<br> $5110.27000<br> $5110.27000<br> $5110.27000<br> $5110.27000<br> $5110.27000<br> $5110.27000<br> $5110.27000<br> $5110.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 33.300% | 66.700% | $2342.21 | $56212.97 |
| 18543314 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Virgin Islands | xx | $360816.10 | 4.375% | $1883.46 | $2523.62 | 2025-07-28 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,523.62 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,883.46 with an interest rate of 4.375%. The current UPB is xx. | $2598.12 | $2598.12 | $2598.12 | $2598.12 | $2598.12 | $2598.12 | $5196.24 | $0.00 | $2598.12 | $5196.24 | $2598.12 | $0.00 | $2523.62 | $2523.62 | $2523.62 | $2523.62 | $5047.24 | $0.00 | $2523.62 | $5047.24 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2598.12000<br> $2598.12000<br> $2598.12000<br> $2598.12000<br> $2598.12000<br> $2598.12000<br> $5196.24000<br> $0.00000<br> $2598.12000<br> $5196.24000<br> $2598.12000<br> $0.00000<br> $2523.62000<br> $2523.62000<br> $2523.62000<br> $2523.62000<br> $5047.24000<br> $0.00000<br> $2523.62000<br> $5047.24000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.000% | 0.000% | 50.000% | 75.000% | $2245.42 | $53890.02 |
| 66779458 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $17559.03 | 8.625% | $378.50 | $995.30 | 2025-07-28 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $995.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $378.50 with an interest rate of 8.625%. The current UPB reflected as per the payment history is xx. | $2258.38 | $1129.19 | $1129.19 | $1129.19 | $1129.19 | $1129.19 | $1129.19 | $1090.84 | $1156.76 | $1156.76 | $0.00 | $2313.52 | $1156.76 | $1156.76 | $1156.76 | $0.00 | $1156.76 | $1156.76 | $2313.52 | $1094.45 | $1195.30 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-07-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2258.38000<br> $1129.19000<br> $1129.19000<br> $1129.19000<br> $1129.19000<br> $1129.19000<br> $1129.19000<br> $1090.84000<br> $1156.76000<br> $1156.76000<br> $0.00000<br> $2313.52000<br> $1156.76000<br> $1156.76000<br> $1156.76000<br> $0.00000<br> $1156.76000<br> $1156.76000<br> $2313.52000<br> $1094.45000<br> $1195.30000<br> $0.00000<br> $0.00000<br> $0.00000 | 105.200% | 0.000% | 77.100% | 87.000% | $1047.44 | $25138.47 |
| 69265790 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $30133.33 | 6.875% | $390.74 | $575.63 | 2025-07-28 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $575.63 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $390.74 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $565.14 | $565.14 | $565.14 | $565.14 | $565.14 | $565.14 | $1130.28 | $565.14 | $0.00 | $1150.77 | $0.00 | $1151.26 | $0.00 | $585.63 | $585.63 | $1171.26 | $0.00 | $585.63 | $1171.26 | $0.00 | $575.63 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $565.14000<br> $565.14000<br> $565.14000<br> $565.14000<br> $565.14000<br> $565.14000<br> $1130.28000<br> $565.14000<br> $0.00000<br> $1150.77000<br> $0.00000<br> $1151.26000<br> $0.00000<br> $585.63000<br> $585.63000<br> $1171.26000<br> $0.00000<br> $585.63000<br> $1171.26000<br> $0.00000<br> $575.63000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.300% | 0.000% | 50.600% | 67.700% | $502.64 | $12063.33 |
| 33448494 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $120828.27 | 3.625% | $598.57 | $598.57 | 2025-07-28 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $598.57 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $598.57 with an interest rate of 3.625%. The current UPB reflected as per the payment history is xx. | $598.57 | $598.57 | $598.57 | $598.57 | $598.57 | $598.57 | $598.57 | $598.57 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5387.13 | $598.57 | $598.57 | $598.57 | $598.57 | $0.00 | $0.00 | $0.00 | 000004444321000000000000 | 000000000000123444400000 | 2025-07-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $598.57000<br> $598.57000<br> $598.57000<br> $598.57000<br> $598.57000<br> $598.57000<br> $598.57000<br> $598.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5387.13000<br> $598.57000<br> $598.57000<br> $598.57000<br> $598.57000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.500% | 0.000% | 50.000% | 108.300% | $523.75 | $12569.97 |
| 68202224 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $251497.72 | 3.899% | $1051.28 | $1607.37 | 2025-06-05 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,607.37 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,051.28 with an interest rate of 3.8990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $1502.52 | $1267.62 | $1267.62 | $2535.24 | $1267.62 | $1267.62 | $3802.86 | $0.00 | $0.00 | $1747.07 | $3354.44 | $0.00 | $1607.37 | $0.00 | $1607.37 | $3214.74 | $1607.37 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000444444444 | 444444444000000000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $1502.52000<br> $1267.62000<br> $1267.62000<br> $2535.24000<br> $1267.62000<br> $1267.62000<br> $3802.86000<br> $0.00000<br> $0.00000<br> $1747.07000<br> $3354.44000<br> $0.00000<br> $1607.37000<br> $0.00000<br> $1607.37000<br> $3214.74000<br> $1607.37000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 67.500% | 0.000% | 50.000% | 68.100% | $1085.39 | $26049.46 |
| 10733642 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $428121.87 | 6.624% | $2743.45 | $2743.45 | 2025-07-02 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,743.45(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,743.45 and the interest rate is 6.624%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2743.45 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-06-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2743.45000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $114.31 | $2743.45 |
| 93753087 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $602082.03 | 6.990% | $4014.93 | $5076.63 | 2025-06-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,076.63 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,014.93 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5076.63 | $5076.63 | $5076.63 | $5076.63 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5076.63000<br> $5076.63000<br> $5076.63000<br> $5076.63000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 33.300% | 33.300% | $846.11 | $20306.52 |
| 99082286 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $155884.23 | 7.500% | $1090.77 | $1335.66 | 2025-06-10 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,335.66(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,090.77 and the interest rate is 7.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1335.66 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-06-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1335.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $55.65 | $1335.66 |
| 28670293 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $240104.31 | 6.250% | $1481.18 | $2191.66 | 2025-06-18 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,191.66 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,481.18 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2191.66 | $2191.66 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-06-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2191.66000<br> $2191.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $182.64 | $4383.32 |
| 70832195 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $248291.74 | 3.000% | $1159.41 | $1700.00 | 2025-06-23 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,700.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,159.41 with an interest rate of 3.000%. The current UPB reflected as per the payment history is xx. | $1638.83 | $1638.83 | $1638.83 | $1638.83 | $1638.83 | $1698.01 | $1638.83 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $1700.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1638.83000<br> $1638.83000<br> $1638.83000<br> $1638.83000<br> $1638.83000<br> $1698.01000<br> $1638.83000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $1700.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.400% | 0.000% | 33.300% | 66.700% | $1401.29 | $33630.99 |
| 22386848 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $373500.00 | 6.875% | $2453.63 | $2453.63 | 2025-06-16 | 2025-07-01 | 0 | The loan was originated on xx/xx/2025.The first payment date is xx/xx/2025. As per tape, the current P&I is $2,453.63 with an interest rate of 6.875%. The next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 14709174 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $218976.65 | 6.125% | $1339.78 | $1642.65 | 2025-06-26 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,642.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,339.78 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1642.65 | $1642.65 | $1642.65 | $1642.65 | $1642.65 | $1642.65 | $1642.65 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-06-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1642.65000<br> $1642.65000<br> $1642.65000<br> $1642.65000<br> $1642.65000<br> $1642.65000<br> $1642.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 33.300% | 58.300% | $479.11 | $11498.55 |
| 87327273 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $44655.03 | 13.125% | $498.56 | $498.56 | 2025-06-12 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $498.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $498.56 with an interest rate of 13.125%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $498.56 | $498.56 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $498.56000<br> $498.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $41.55 | $997.12 |
| 2756447 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $166437.24 | 6.990% | $1116.58 | $1417.19 | 2025-06-24 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,417.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,116.58 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1417.19 | $1417.19 | $1417.19 | $1417.19 | $1417.19 | $1417.19 | $1417.19 | $1417.19 | $1417.19 | $1417.19 | $1417.19 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-06-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1417.19000<br> $1417.19000<br> $1417.19000<br> $1417.19000<br> $1417.19000<br> $1417.19000<br> $1417.19000<br> $1417.19000<br> $1417.19000<br> $1417.19000<br> $1417.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 33.300% | 66.700% | $649.55 | $15589.09 |
| 45223881 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $334486.13 | 6.125% | $2048.59 | $2615.22 | 2025-06-26 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,615.22 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,048.59 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2615.22 | $2615.22 | $0.00 | $2615.22 | $2615.22 | $2615.22 | $2615.22 | $2615.22 | $2615.22 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2615.22000<br> $2615.22000<br> $0.00000<br> $2615.22000<br> $2615.22000<br> $2615.22000<br> $2615.22000<br> $2615.22000<br> $2615.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 33.300% | 58.300% | $871.74 | $20921.76 |
| 98305910 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | $561065.47 | 5.875% | $3444.35 | $4032.52 | 2025-06-13 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,032.52 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,444.35 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | $4110.18 | $4110.18 | $4110.18 | $4110.18 | $4110.18 | $4110.18 | $4110.18 | $4110.18 | $4110.18 | $4110.18 | $4110.18 | $4032.52 | $4032.52 | $4032.52 | $4032.52 | $4032.52 | $4032.52 | $4032.52 | $4032.52 | $4032.52 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4110.18000<br> $4110.18000<br> $4110.18000<br> $4110.18000<br> $4110.18000<br> $4110.18000<br> $4110.18000<br> $4110.18000<br> $4110.18000<br> $4110.18000<br> $4110.18000<br> $4032.52000<br> $4032.52000<br> $4032.52000<br> $4032.52000<br> $4032.52000<br> $4032.52000<br> $4032.52000<br> $4032.52000<br> $4032.52000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.200% | 0.000% | 33.300% | 66.700% | $3396.03 | $81504.66 |
| 88632479 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $743227.56 | 6.500% | $4394.87 | $5528.93 | 2025-06-11 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,528.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,394.87 with an interest rate of 6.5%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $22115.72 | $8029.94 | $0.00 | $0.00 | $0.00 | $5528.93 | $5528.93 | $5528.93 | $7028.93 | $5528.93 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000044444444321001 | 100123444444440000000000 | 2025-06-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $22115.72000<br> $8029.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5528.93000<br> $5528.93000<br> $5528.93000<br> $7028.93000<br> $5528.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 44.700% | 0.000% | 37.900% | 43.900% | $2470.43 | $59290.31 |
| 83351643 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $606102.49 | 4.750% | $3333.33 | $4310.08 | 2025-06-14 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,310.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3333.33 with an interest rate of 4.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $4540.07 | $4540.07 | $4540.07 | $4540.07 | $4540.07 | $4540.07 | $4540.07 | $4540.07 | $4540.07 | $4540.07 | $4540.07 | $4430.96 | $4430.96 | $4430.96 | $4310.08 | $4310.08 | $4310.08 | $4310.08 | $4310.08 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $4540.07000<br> $4540.07000<br> $4540.07000<br> $4540.07000<br> $4540.07000<br> $4540.07000<br> $4540.07000<br> $4540.07000<br> $4540.07000<br> $4540.07000<br> $4540.07000<br> $4430.96000<br> $4430.96000<br> $4430.96000<br> $4310.08000<br> $4310.08000<br> $4310.08000<br> $4310.08000<br> $4310.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.000% | 0.000% | 33.300% | 67.400% | $3532.67 | $84784.05 |
| 26870157 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $1016112.96 | 5.990% | $6318.48 | $7478.12 | 2025-06-16 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,478.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,318.48 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $0.00. | $7354.24 | $7354.24 | $7354.24 | $7354.24 | $7354.24 | $7559.78 | $7559.78 | $7559.78 | $7559.78 | $7559.78 | $7559.78 | $7559.78 | $7559.78 | $7559.78 | $7559.78 | $7559.78 | $7559.78 | $7478.12 | $7478.12 | $7478.12 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $7354.24000<br> $7354.24000<br> $7354.24000<br> $7354.24000<br> $7354.24000<br> $7559.78000<br> $7559.78000<br> $7559.78000<br> $7559.78000<br> $7559.78000<br> $7559.78000<br> $7559.78000<br> $7559.78000<br> $7559.78000<br> $7559.78000<br> $7559.78000<br> $7559.78000<br> $7478.12000<br> $7478.12000<br> $7478.12000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.500% | 0.000% | 33.300% | 67.100% | $6246.79 | $149922.92 |
| 32133307 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $481957.66 | 6.875% | $3018.15 | $3648.44 | 2025-06-11 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,648.44 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,018.15 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7296.88 | $0.00 | $0.00 | $3648.44 | $0.00 | $0.00 | $0.00 | $0.00 | 000444444444444444444444 | 444444444444444444444000 | 2025-06-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7296.88000<br> $0.00000<br> $0.00000<br> $3648.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $456.06 | $10945.32 |
| 8959042 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $1070876.17 | 6.750% | $7020.55 | $9092.69 | 2025-06-16 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $9,092.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $7,020.55 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $7273.46 | $14546.92 | $8462.65 | $16925.30 | $0.00 | $0.00 | $16925.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $25881.64 | $0.00 | $9092.69 | $9092.69 | $0.00 | $0.00 | $0.00 | $0.00 | 000044444444323212233343 | 343332212323444444440000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $7273.46000<br> $14546.92000<br> $8462.65000<br> $16925.30000<br> $0.00000<br> $0.00000<br> $16925.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $25881.64000<br> $0.00000<br> $9092.69000<br> $9092.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 49.600% | 0.000% | 33.300% | 40.400% | $4508.36 | $108200.65 |
| 16646572 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $89782.80 | 7.125% | $606.35 | $987.55 | 2025-07-01 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $987.55 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $606.35 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $987.55 | $987.55 | $0.00 | $987.55 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $987.55000<br> $987.55000<br> $0.00000<br> $987.55000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $123.44 | $2962.65 |
| 85284068 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $342557.69 | 3.500% | $1733.31 | $2066.93 | 2025-06-24 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,066.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,733.31 with an interest rate of 3.500%. The current UPB reflected as per the payment history is xx. | $1955.01 | $1955.01 | $1955.01 | $1955.01 | $1955.01 | $2400.00 | $1955.01 | $1955.01 | $1955.01 | $1955.01 | $2190.02 | $2500.00 | $0.00 | $3899.69 | $2066.93 | $2066.93 | $2066.93 | $2066.93 | $2500.00 | $2500.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000010000000000000000 | 000000000000000010000000 | 2025-06-24 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1955.01000<br> $1955.01000<br> $1955.01000<br> $1955.01000<br> $1955.01000<br> $2400.00000<br> $1955.01000<br> $1955.01000<br> $1955.01000<br> $1955.01000<br> $2190.02000<br> $2500.00000<br> $0.00000<br> $3899.69000<br> $2066.93000<br> $2066.93000<br> $2066.93000<br> $2066.93000<br> $2500.00000<br> $2500.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.400% | 0.000% | 40.300% | 69.200% | $1743.86 | $41852.52 |
| 94546363 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Maine | xx | $230196.58 | 4.125% | $1055.76 | $1508.89 | 2025-06-17 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,508.89 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,055.76 with an interest rate of 4.125%. The current UPB is xx. | $2857.02 | $1428.51 | $0.00 | $1428.51 | $1455.93 | $1455.93 | $1455.93 | $1455.93 | $1455.93 | $1455.93 | $1455.93 | $1455.93 | $1455.93 | $1455.93 | $1455.93 | $0.00 | $0.00 | $5982.60 | $0.00 | $1508.89 | $0.00 | $0.00 | $0.00 | $0.00 | 000210000000000000000000 | 000000000000000000012000 | 2025-06-17 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2857.02000<br> $1428.51000<br> $0.00000<br> $1428.51000<br> $1455.93000<br> $1455.93000<br> $1455.93000<br> $1455.93000<br> $1455.93000<br> $1455.93000<br> $1455.93000<br> $1455.93000<br> $1455.93000<br> $1455.93000<br> $1455.93000<br> $0.00000<br> $0.00000<br> $5982.60000<br> $0.00000<br> $1508.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.700% | 0.000% | 16.700% | 65.500% | $1217.53 | $29220.76 |
| 72358090 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | $483213.60 | 6.500% | $3160.34 | $3883.95 | 2025-06-13 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,883.95 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,160.34 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4025.00 | $4025.00 | $4025.00 | $4025.00 | $4025.00 | $4025.00 | $4025.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4025.00000<br> $4025.00000<br> $4025.00000<br> $4025.00000<br> $4025.00000<br> $4025.00000<br> $4025.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.000% | 0.000% | 34.300% | 68.800% | $3340.63 | $80175.00 |
| 66541855 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $456658.13 | 4.875% | $2523.85 | $2791.39 | 2025-06-14 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,791.39 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,523.85 with an interest rate of 4.875%. The current UPB reflected as per the payment history is xx. | $2713.58 | $2941.14 | $2923.66 | $0.00 | $5553.51 | $2813.66 | $2713.66 | $2713.66 | $2713.66 | $2713.66 | $2713.66 | $2713.66 | $2713.66 | $2791.39 | $2791.39 | $2791.39 | $2791.39 | $2791.39 | $2791.39 | $2791.39 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000010000000 | 000000010000000000000000 | 2025-06-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2713.58000<br> $2941.14000<br> $2923.66000<br> $0.00000<br> $5553.51000<br> $2813.66000<br> $2713.66000<br> $2713.66000<br> $2713.66000<br> $2713.66000<br> $2713.66000<br> $2713.66000<br> $2713.66000<br> $2791.39000<br> $2791.39000<br> $2791.39000<br> $2791.39000<br> $2791.39000<br> $2791.39000<br> $2791.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.800% | 0.000% | 33.300% | 66.400% | $2311.70 | $55480.90 |
| 81459425 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $573273.60 | 5.625% | $3508.93 | $3508.93 | 2025-06-17 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,508.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,508.93 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $4000.00 | $8000.00 | $0.00 | $4000.00 | $4000.00 | $4000.00 | $7908.93 | $4008.93 | $4000.00 | $0.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $4000.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $4000.00000<br> $8000.00000<br> $0.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $7908.93000<br> $4008.93000<br> $4000.00000<br> $0.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $4000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.100% | 0.000% | 38.000% | 76.000% | $3163.24 | $75917.86 |
| 57708724 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $588711.26 | 7.000% | $4004.79 | $5002.22 | 2025-06-16 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5002.22 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4004.79 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | $5147.87 | $5147.87 | $5147.87 | $5147.87 | $5147.87 | $5147.87 | $5147.87 | $5147.87 | $5147.87 | $5147.87 | $5147.87 | $5147.87 | $5051.63 | $5051.63 | $5002.22 | $5002.22 | $5002.22 | $5002.22 | $5002.22 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-05-23 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5147.87000<br> $5147.87000<br> $5147.87000<br> $5147.87000<br> $5147.87000<br> $5147.87000<br> $5147.87000<br> $5147.87000<br> $5147.87000<br> $5147.87000<br> $5147.87000<br> $5147.87000<br> $5051.63000<br> $5051.63000<br> $5002.22000<br> $5002.22000<br> $5002.22000<br> $5002.22000<br> $5002.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.700% | 0.000% | 16.700% | 58.500% | $4037.03 | $96888.80 |
| 18551306 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $210731.61 | 6.875% | $1392.69 | $1442.27 | 2025-06-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,442.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,392.69 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2884.54 | $0.00 | $1442.27 | $1442.27 | $1442.27 | $1442.27 | $1442.27 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-06-09 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2884.54000<br> $0.00000<br> $1442.27000<br> $1442.27000<br> $1442.27000<br> $1442.27000<br> $1442.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 33.300% | 58.300% | $420.66 | $10095.89 |
| 13346232 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $265811.38 | 6.990% | $1769.58 | $2369.41 | 2025-06-17 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,369.41 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,769.58 with an interest rate of 6.990%. The current UPB is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2369.41 | $2369.41 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2369.41000<br> $2369.41000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $197.45 | $4738.82 |
| 2482655 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $538341.18 | 7.375% | $3729.65 | $4707.59 | 2025-06-17 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,707.59 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,729.65 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4707.59 | $4707.59 | $4707.59 | $4707.59 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4707.59000<br> $4707.59000<br> $4707.59000<br> $4707.59000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 33.300% | 33.300% | $784.60 | $18830.36 |
| 26264159 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $281757.20 | 6.750% | $1829.05 | $2441.30 | 2025-06-27 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on 06/04/205 in the amount of $2,441.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,829.05 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2441.30 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2441.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $101.72 | $2441.30 |
| 97037733 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $797276.07 | 8.000% | $5870.09 | $6654.19 | 2025-06-27 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6654.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,870.09 with an interest rate of 8.00%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6654.19 | $6654.19 | $6654.19 | $6654.19 | $6654.19 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6654.19000<br> $6654.19000<br> $6654.19000<br> $6654.19000<br> $6654.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 33.300% | 41.700% | $1386.29 | $33270.95 |
| 11591641 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | $381500.23 | 6.875% | $2508.29 | $3225.30 | 2025-06-25 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,225.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,508.29 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx.<br> As per the document located at xx, the check was received from the borrower in the amount of xx on xx/xx/2025. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $99809.24 | $3225.30 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-06-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $99809.24000<br> $3225.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 133.100% | 0.000% | 532.400% | 266.200% | $4293.11 | $103034.54 |
| 81543544 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $235875.03 | 6.125% | $1446.12 | $1446.12 | 2025-06-23 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,446.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,446.12 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1446.12 | $1446.12 | $1446.12 | $1446.12 | $1446.12 | $1446.12 | $1446.12 | $1446.12 | $1446.12 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-06-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1446.12000<br> $1446.12000<br> $1446.12000<br> $1446.12000<br> $1446.12000<br> $1446.12000<br> $1446.12000<br> $1446.12000<br> $1446.12000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 33.300% | 66.700% | $542.30 | $13015.08 |
| 84771774 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $497710.95 | 4.250% | $2524.99 | $2784.65 | 2025-07-01 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,784.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,524.99 with an interest rate of 4.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3014.08 | $3014.08 | $6329.57 | $3014.08 | $2784.65 | $13004.74 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-06-17 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3014.08000<br> $3014.08000<br> $6329.57000<br> $3014.08000<br> $2784.65000<br> $13004.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 46.600% | 0.000% | 94.500% | 93.300% | $1298.38 | $31161.20 |
| 30681035 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $335694.06 | 6.900% | $2234.81 | $3033.32 | 2025-07-01 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,033.32 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,234.81 with an interest rate of 6.900%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3033.32 | $3033.32 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3033.32000<br> $3033.32000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $252.78 | $6066.64 |
| 91797210 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $301261.32 | 6.875% | $3095.50 | $3307.91 | 2025-07-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,307.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,095.50 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2307.91 | $3307.91 | $3307.91 | $3307.91 | $3307.91 | $0.00 | $6615.82 | $0.00 | $6615.82 | $3307.91 | $3307.91 | $3307.91 | $3307.91 | $3307.91 | $3307.91 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-06-26 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2307.91000<br> $3307.91000<br> $3307.91000<br> $3307.91000<br> $3307.91000<br> $0.00000<br> $6615.82000<br> $0.00000<br> $6615.82000<br> $3307.91000<br> $3307.91000<br> $3307.91000<br> $3307.91000<br> $3307.91000<br> $3307.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 61.200% | 0.000% | 33.300% | 66.700% | $2025.78 | $48618.65 |
| 73791171 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $735971.70 | 6.500% | $4673.19 | $6157.84 | 2025-07-09 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,157.84 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,673.19 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6157.84 | $6157.84 | $6157.84 | $6157.84 | $6157.84 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-07-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6157.84000<br> $6157.84000<br> $6157.84000<br> $6157.84000<br> $6157.84000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 50.000% | 41.700% | $1282.88 | $30789.20 |
| 63818890 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $686885.82 | 7.125% | $4716.03 | $6224.91 | 2025-07-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,224.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,716.03 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx.<br>| $5843.14 | $5843.14 | $0.00 | $5843.14 | $5843.14 | $0.00 | $0.00 | $0.00 | $11686.38 | $0.00 | $5970.15 | $29850.75 | $5970.15 | $5970.15 | $5970.15 | $5970.15 | $5970.15 | $5970.15 | $6224.91 | $6224.91 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000004434321110000 | 0000111234344000000000 | 2025-06-17 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5843.14000<br> $5843.14000<br> $0.00000<br> $5843.14000<br> $5843.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $11686.38000<br> $0.00000<br> $5970.15000<br> $29850.75000<br> $5970.15000<br> $5970.15000<br> $5970.15000<br> $5970.15000<br> $5970.15000<br> $5970.15000<br> $6224.91000<br> $6224.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.800% | 0.000% | 33.300% | 64.600% | $4964.61 | $119150.56 |
| 97529682 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $697710.11 | 6.875% | $4631.35 | $6954.65 | 2025-07-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,954.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,631.35 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6580.69 | $6580.69 | $6580.69 | $6580.69 | $6580.69 | $6580.69 | $6580.69 | $6487.86 | $6487.86 | $6487.86 | $6954.65 | $6954.65 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-06-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6580.69000<br> $6580.69000<br> $6580.69000<br> $6580.69000<br> $6580.69000<br> $6580.69000<br> $6580.69000<br> $6487.86000<br> $6487.86000<br> $6487.86000<br> $6954.65000<br> $6954.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 47.600% | 0.000% | 33.300% | 63.600% | $3309.90 | $79437.71 |
| 39584241 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $496873.51 | 6.625% | $3307.10 | $3891.54 | 2025-07-09 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,891.54 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,307.10 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. As per the collection comment dated xx/xx/2024, the payments for the months of July, August, and September are deferred. | $4052.39 | $4052.39 | $4052.39 | $4052.39 | $4052.39 | $4052.39 | $3852.16 | $3852.16 | $11556.48 | $0.00 | $0.00 | $3852.16 | $3852.16 | $3852.16 | $3852.16 | $3852.16 | $12735.16 | $3852.16 | $3891.54 | $3891.54 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000000 | 0000000000000000000000 | 2025-06-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4052.39000<br> $4052.39000<br> $4052.39000<br> $4052.39000<br> $4052.39000<br> $4052.39000<br> $3852.16000<br> $3852.16000<br> $11556.48000<br> $0.00000<br> $0.00000<br> $3852.16000<br> $3852.16000<br> $3852.16000<br> $3852.16000<br> $3852.16000<br> $12735.16000<br> $3852.16000<br> $3891.54000<br> $3891.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 93.400% | 0.000% | 33.300% | 85.200% | $3633.60 | $87206.34 |
| 13711105 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $310067.30 | 6.875% | $2090.69 | $2530.69 | 2025-06-01 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,530.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,090.69 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. The payments for the period from xx/xx/2024 to xx/xx/2024 were deferred through forbearance plan. | $2019.60 | $0.00 | $2019.60 | $0.00 | $2019.60 | $2217.91 | $2378.53 | $0.00 | $2378.53 | $0.00 | $0.00 | $2586.57 | $2586.57 | $2586.57 | $5173.14 | $2586.57 | $2586.57 | $2586.57 | $2530.69 | $2530.69 | $0.00 | $0.00 | $0.00 | $0.00 | 000000111144433332211000 | 000112233334441111000000 | 2025-06-20 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2019.60000<br> $0.00000<br> $2019.60000<br> $0.00000<br> $2019.60000<br> $2217.91000<br> $2378.53000<br> $0.00000<br> $2378.53000<br> $0.00000<br> $0.00000<br> $2586.57000<br> $2586.57000<br> $2586.57000<br> $5173.14000<br> $2586.57000<br> $2586.57000<br> $2586.57000<br> $2530.69000<br> $2530.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 63.900% | 0.000% | 33.300% | 76.300% | $1616.15 | $38787.71 |
| 93870426 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | South Dakota | xx | $601936.93 | 6.500% | $3824.01 | $5000.00 | 2025-07-09 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,000.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,293.50 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5000.00 | $5000.00 | $5000.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $625.00 | $15000.00 |
| 9247462 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Mexico | xx | $854037.81 | 8.875% | $6802.76 | $7423.65 | 2025-06-30 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,423.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,802.76 with an interest rate of 8.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7423.65 | $7423.65 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-06-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7423.65000<br> $7423.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $618.64 | $14847.30 |
| 94426195 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $955446.64 | 6.875% | $6281.88 | $6281.88 | 2025-06-12 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,281.88 (PITI), which was applied for the due date xx/xx/2025. The current P&I is $6,281.88 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6281.88 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-06-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6281.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $261.75 | $6281.88 |
| 96067290 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $214172.56 | 7.375% | $1481.50 | $2027.08 | 2025-07-01 | 2025-08-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,027.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,481.50 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2027.08 | $2027.08 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2027.08000<br> $2027.08000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $168.92 | $4054.16 |
| 44662741 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | $117217.51 | 7.000% | $787.16 | $1040.07 | 2025-07-02 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,040.07 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $787.16 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1040.05 | $1040.05 | $0.00 | $1040.05 | $1040.05 | $2080.10 | $1040.07 | $1040.07 | $0.00 | $1040.07 | $1040.07 | $1040.07 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-06-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1040.05000<br> $1040.05000<br> $0.00000<br> $1040.05000<br> $1040.05000<br> $2080.10000<br> $1040.07000<br> $1040.07000<br> $0.00000<br> $1040.07000<br> $1040.07000<br> $1040.07000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 33.300% | 66.700% | $476.69 | $11440.65 |
| 66141842 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arkansas | xx | $359895.73 | 7.500% | $4320.74 | $4639.21 | 2025-06-27 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,639.21 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,320.74 with an interest rate of 7.50%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4639.21 | $4639.21 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-06-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4639.21000<br> $4639.21000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $386.60 | $9278.42 |
| 4001034 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | $348332.40 | 6.125% | $2122.64 | $2402.41 | 2025-07-03 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,402.41 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,122.64 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2402.41 | $2402.41 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-07-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2402.41000<br> $2402.41000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $200.20 | $4804.82 |
| 56244522 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $528526.60 | 7.875% | $3842.87 | $4486.95 | 2025-06-18 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,486.95 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,842.87 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4486.95 | $4486.95 | $4486.95 | $4486.95 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-06-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4486.95000<br> $4486.95000<br> $4486.95000<br> $4486.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 33.300% | 33.300% | $747.83 | $17947.80 |
| 54667359 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Arkansas | xx | $1053986.91 | 6.625% | $7968.10 | $8936.06 | 2025-07-08 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,936.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $7,968.10 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8936.06 | $8936.06 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-06-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8936.06000<br> $8936.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $744.67 | $17872.12 |
| 17287033 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Wisconsin | xx | $155439.16 | 8.375% | $1216.74 | $1500.00 | 2025-07-11 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,500.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,216.74 with an interest rate of 8.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1500.00 | $0.00 | $1500.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-07-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1500.00000<br> $0.00000<br> $1500.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $125.00 | $3000.00 |
| 12109729 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $48071.19 | 4.250% | $427.20 | $614.46 | 2025-07-08 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $614.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $427.20 with an interest rate of 4.250%. The current UPB reflected as per the payment history is xx. | $1800.00 | $900.00 | $0.00 | $900.00 | $651.00 | $660.00 | $1320.00 | $0.00 | $660.00 | $660.00 | $660.00 | $1320.00 | $660.00 | $0.00 | $660.00 | $660.00 | $660.00 | $1320.00 | $660.00 | $660.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-06-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1800.00000<br> $900.00000<br> $0.00000<br> $900.00000<br> $651.00000<br> $660.00000<br> $1320.00000<br> $0.00000<br> $660.00000<br> $660.00000<br> $660.00000<br> $1320.00000<br> $660.00000<br> $0.00000<br> $660.00000<br> $660.00000<br> $660.00000<br> $1320.00000<br> $660.00000<br> $660.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 100.400% | 0.000% | 35.800% | 71.600% | $617.13 | $14811.00 |
| 34582585 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | $376509.39 | 6.500% | $2389.25 | $2900.60 | 2025-07-07 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,885.60 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,389.25 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2943.60 | $2918.60 | $2910.60 | $2900.60 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-07-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2943.60000<br> $2918.60000<br> $2910.60000<br> $2900.60000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.800% | 0.000% | 50.200% | 33.500% | $486.39 | $11673.40 |
| 67093147 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $134965.41 | 6.625% | $880.20 | $1147.88 | 2025-07-09 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,147.88 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $880.20 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3512.13 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3512.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.700% | 0.000% | 51.000% | 25.500% | $146.34 | $3512.13 |
| 29326625 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $121600.00 | 6.990% | $808.19 | $808.19 | 2025-06-16 | 2025-08-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $808.19 with an interest rate of 6.99%. The current UPB reflected is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 13117218 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | $405592.32 | 6.990% | $2702.39 | $3060.55 | 2025-07-07 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,060.55 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,702.39 with an interest rate of 6.990%. The current UPB, reflected as per the payment history, is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3060.55 | $3060.55 | $3060.55 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3060.55000<br> $3060.55000<br> $3060.55000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $382.57 | $9181.65 |
| 83609043 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | $709144.31 | 6.990% | $4760.42 | $5215.25 | 2025-07-03 | 2025-08-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,215.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,760.42 with an interest rate of 6.99%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5245.06 | $5345.06 | $5245.06 | $5245.06 | $5245.06 | $5245.06 | $5245.06 | $5245.06 | $5245.06 | $10490.12 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5245.06000<br> $5345.06000<br> $5245.06000<br> $5245.06000<br> $5245.06000<br> $5245.06000<br> $5245.06000<br> $5245.06000<br> $5245.06000<br> $10490.12000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 46.200% | 0.000% | 50.300% | 75.400% | $2408.15 | $57795.66 |
| 2258623 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | $208649.33 | 6.500% | $1327.34 | $1992.68 | 2025-07-01 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,992.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,327.34 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1992.68 | $1992.68 | $1992.68 | $1992.68 | $1992.68 | $1992.68 | $1992.68 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1992.68000<br> $1992.68000<br> $1992.68000<br> $1992.68000<br> $1992.68000<br> $1992.68000<br> $1992.68000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 50.000% | 58.300% | $581.20 | $13948.76 |
| 33899175 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | $233955.93 | 6.990% | $1694.81 | $1876.25 | 2025-07-22 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,876.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,694.81 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1500.00 | $2374.21 | $2374.21 | $4374.21 | $2374.21 | $2374.21 | $2974.21 | $2976.25 | $2976.25 | $2976.25 | $2976.25 | $2976.25 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1500.00000<br> $2374.21000<br> $2374.21000<br> $4374.21000<br> $2374.21000<br> $2374.21000<br> $2974.21000<br> $2976.25000<br> $2976.25000<br> $2976.25000<br> $2976.25000<br> $2976.25000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.800% | 0.000% | 79.300% | 119.800% | $1384.44 | $33226.51 |
| 1217703 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $307095.59 | 6.625% | $1984.32 | $2238.67 | 2025-07-30 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,238.67 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,984.32 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2238.67 | $2238.67 | $2238.67 | $2238.67 | $2238.67 | $2238.67 | $2238.67 | $2238.67 | $2238.67 | $2238.67 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-07-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2238.67000<br> $2238.67000<br> $2238.67000<br> $2238.67000<br> $2238.67000<br> $2238.67000<br> $2238.67000<br> $2238.67000<br> $2238.67000<br> $2238.67000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 50.000% | 75.000% | $932.78 | $22386.70 |
| 40503872 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | $52748.65 | 6.875% | $346.81 | $1054.52 | 2025-07-14 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,054.52 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $346.81, and the interest rate is 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $450000.00 | $0.00 | $0.00 | $1054.52 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-06-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $450000.00000<br> $0.00000<br> $0.00000<br> $1054.52000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 1782.200% | 0.000% | 16.700% | 3564.500% | $18793.94 | $451054.52 |
| 1959403 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $282941.35 | 5.375% | $1589.76 | $2340.56 | 2025-07-29 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,340.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,589.76 with an interest rate of 5.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2340.56 | $2340.56 | $2340.56 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2340.56000<br> $2340.56000<br> $2340.56000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $292.57 | $7021.68 |
| 58252341 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $402048.36 | 5.875% | $2395.67 | $2899.02 | 2025-07-29 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,899.02 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,395.67 00 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2993.52 | $2993.52 | $2993.52 | $2993.52 | $2899.02 | $2899.02 | $2899.02 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-07-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2993.52000<br> $2993.52000<br> $2993.52000<br> $2993.52000<br> $2899.02000<br> $2899.02000<br> $2899.02000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.700% | 0.000% | 50.000% | 59.400% | $861.30 | $20671.14 |
| 2408176 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $509894.90 | 7.250% | $3486.60 | $4238.29 | 2025-07-29 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,238.29 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,486.60 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4238.29 | $4238.29 | $4238.29 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4238.29000<br> $4238.29000<br> $4238.29000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $529.79 | $12714.87 |
| 29288958 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Delaware | xx | $393935.08 | 6.875% | $2592.24 | $2778.08 | 2025-08-05 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,778.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,778.08 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2778.08 | $2778.08 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-07-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2778.08000<br> $2778.08000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $231.51 | $5556.16 |
| 84855733 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $656308.25 | 6.625% | $4213.78 | $4825.38 | 2025-07-29 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of 4,825.38 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,213.78 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4825.48 | $4825.48 | $4825.48 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4825.48000<br> $4825.48000<br> $4825.48000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $603.19 | $14476.44 |
| 31849445 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $433117.40 | 6.125% | $2639.41 | $2998.48 | 2025-07-29 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,998.48 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,639.41 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2998.48 | $2998.48 | $3000.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2998.48000<br> $2998.48000<br> $3000.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $374.87 | $8996.96 |
| 47302897 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $391310.07 | 8.125% | $2936.58 | $3315.40 | 2025-07-10 | 2025-08-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,315.40 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,936.58 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3315.40 | $3315.40 | $3315.40 | $3315.40 | $3315.40 | $3315.40 | $3315.40 | $3315.40 | $3315.40 | $3315.40 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-07-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3315.40000<br> $3315.40000<br> $3315.40000<br> $3315.40000<br> $3315.40000<br> $3315.40000<br> $3315.40000<br> $3315.40000<br> $3315.40000<br> $3315.40000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 50.000% | 75.000% | $1381.42 | $33154.00 |
| 91929530 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $193417.44 | 4.750% | $1062.09 | $1518.70 | 2025-07-10 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,518.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,062.09 with an interest rate of 4.750%. The current UPB reflected as per the payment history is xx. | $1562.22 | $0.00 | $1562.22 | $1516.41 | $1516.41 | $1516.41 | $1516.41 | $1516.41 | $1516.41 | $1516.41 | $1516.41 | $1516.41 | $1516.41 | $1516.41 | $3037.40 | $1518.70 | $1518.70 | $0.00 | $1518.70 | $1518.70 | $1518.70 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1562.22000<br> $0.00000<br> $1562.22000<br> $1516.41000<br> $1516.41000<br> $1516.41000<br> $1516.41000<br> $1516.41000<br> $1516.41000<br> $1516.41000<br> $1516.41000<br> $1516.41000<br> $1516.41000<br> $1516.41000<br> $3037.40000<br> $1518.70000<br> $1518.70000<br> $0.00000<br> $1518.70000<br> $1518.70000<br> $1518.70000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.500% | 0.000% | 50.000% | 75.000% | $1268.16 | $30435.85 |
| 68652783 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $334543.91 | 3.500% | $1616.38 | $2902.93 | 2025-07-11 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,902.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,616.38 with an interest rate of 3.500%. The current UPB reflected as per the payment history is xx. | $3010.92 | $0.00 | $6021.84 | $3010.92 | $3010.92 | $3010.92 | $3010.92 | $3010.92 | $3010.92 | $3010.92 | $2839.77 | $2758.95 | $2758.95 | $2758.95 | $2758.95 | $2858.95 | $2758.95 | $0.00 | $8708.79 | $0.00 | $2902.93 | $0.00 | $0.00 | $0.00 | 000100000000000000010010 | 010010000000000000001000 | 2025-07-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3010.92000<br> $0.00000<br> $6021.84000<br> $3010.92000<br> $3010.92000<br> $3010.92000<br> $3010.92000<br> $3010.92000<br> $3010.92000<br> $3010.92000<br> $2839.77000<br> $2758.95000<br> $2758.95000<br> $2758.95000<br> $2758.95000<br> $2858.95000<br> $2758.95000<br> $0.00000<br> $8708.79000<br> $0.00000<br> $2902.93000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.900% | 0.000% | 66.700% | 73.200% | $2550.60 | $61214.39 |
| 57343810 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $804402.57 | 7.500% | $5628.28 | $5628.28 | 2025-07-07 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,628.28 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,628.28 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5628.68 | $0.00 | $0.00 | $0.00 | 1 | 1 | 2025-07-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5628.68000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $234.53 | $5628.68 |
| 84663590 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | $125355.17 | 6.125% | $766.20 | $1318.20 | 2025-07-11 | 2025-07-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,318.20 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $766.20 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1318.20 | $1318.20 | $1318.20 | $1318.20 | $1318.20 | $1318.20 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-06-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1318.20000<br> $1318.20000<br> $1318.20000<br> $1318.20000<br> $1318.20000<br> $1318.20000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 33.300% | 50.000% | $329.55 | $7909.20 |
| 48872697 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Vermont | xx | $430945.63 | 7.750% | $3089.53 | $3807.99 | 2025-07-16 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,807.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,089.53 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3807.99 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-07-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3807.99000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $158.67 | $3807.99 |
| 73927966 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $545919.27 | 8.125% | $4061.46 | $5681.25 | 2025-07-15 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,681.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,061.46 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5681.25 | $5681.25 | $5681.25 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5681.25000<br> $5681.25000<br> $5681.25000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $710.16 | $17043.75 |
| 31301286 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $303547.37 | 7.500% | $2125.61 | $2815.37 | 2025-07-01 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,815.37 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,125.61 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2815.37 | $2815.37 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2815.37000<br> $2815.37000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $234.61 | $5630.74 |
| 44679426 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $587807.18 | 7.375% | $4133.69 | $5993.65 | 2025-06-26 | 2025-06-01 | 0 | According to the tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,993.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,133.69 with an interest rate of 7.375%. The current UPB reflected as per the tape data is xx. As per the deferment agreement located at xx, the amount of xx has been deferred, and the effective date after deferral payment is xx/xx/2024. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5344.72 | $10689.44 | $0.00 | $10751.78 | $5375.89 | $5375.89 | $5375.89 | $0.00 | $5375.89 | $10751.78 | $0.00 | $11369.54 | $0.00 | $5993.65 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000044432111 | 1112344400000000000000 | 2025-05-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5344.72000<br> $10689.44000<br> $0.00000<br> $10751.78000<br> $5375.89000<br> $5375.89000<br> $5375.89000<br> $0.00000<br> $5375.89000<br> $10751.78000<br> $0.00000<br> $11369.54000<br> $0.00000<br> $5993.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.100% | 0.000% | 16.700% | 46.600% | $3183.52 | $76404.47 |
| 8124116 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $351055.34 | 6.000% | $2128.40 | $2310.47 | 2025-07-15 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,310.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,128.40 with an interest rate of 6.00%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2356.23 | $2356.23 | $2356.23 | $2356.23 | $2356.23 | $2356.22 | $2356.22 | $2310.46 | $2310.47 | $2310.47 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2356.23000<br> $2356.23000<br> $2356.23000<br> $2356.23000<br> $2356.23000<br> $2356.22000<br> $2356.22000<br> $2310.46000<br> $2310.47000<br> $2310.47000<br> $0.00000<br> $0.00000<br> $0.00000 | 42.200% | 0.000% | 50.000% | 76.000% | $976.04 | $23424.99 |
| 21061694 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $757193.31 | 6.500% | $4844.80 | $7159.10 | 2025-07-07 | 2025-07-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,159.10 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,844.80 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7777.85 | $7777.85 | $7830.02 | $7830.02 | $7830.02 | $7830.02 | $7830.02 | $7830.02 | $7830.02 | $7830.02 | $7159.10 | $7159.10 | $7159.10 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-06-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7777.85000<br> $7777.85000<br> $7830.02000<br> $7830.02000<br> $7830.02000<br> $7830.02000<br> $7830.02000<br> $7830.02000<br> $7830.02000<br> $7830.02000<br> $7159.10000<br> $7159.10000<br> $7159.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.000% | 0.000% | 33.300% | 70.600% | $4153.05 | $99673.16 |
| 61369828 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | $191125.31 | 6.750% | $1240.70 | $1609.74 | 2025-07-09 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,609.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,240.70 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1609.74 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-06-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1609.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $67.07 | $1609.74 |
| 59718354 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $1048848.64 | 6.875% | $6901.82 | $8793.56 | 2025-07-06 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,793.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,901.82 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $17587.12 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-06-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $17587.12000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $732.80 | $17587.12 |
| 25893319 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $113767.97 | 6.875% | $748.64 | $1069.08 | 2025-07-06 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,069.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $748.64 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1069.28 | $1069.28 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-07-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1069.28000<br> $1069.28000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $89.11 | $2138.56 |
| 71842151 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $471838.53 | 7.875% | $3425.89 | $4065.77 | 2025-07-18 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,065.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,425.89 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4065.77 | $4065.77 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-07-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4065.77000<br> $4065.77000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $338.81 | $8131.54 |
| 93712284 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $43843.42 | 6.250% | $281.74 | $592.05 | 2025-07-10 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $592.05 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $281.74 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $592.05 | $592.05 | $1184.10 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-06-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $592.05000<br> $592.05000<br> $1184.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 50.000% | 33.300% | $98.68 | $2368.20 |
| 12691396 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Mexico | xx | $178576.43 | 7.375% | $1264.97 | $1814.20 | 2025-07-14 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,814.20 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,264.97 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1531.42 | $4681.42 | $1531.42 | $1531.42 | $1531.42 | $1531.42 | $1531.42 | $1531.42 | $1814.20 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-07-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1531.42000<br> $4681.42000<br> $1531.42000<br> $1531.42000<br> $1531.42000<br> $1531.42000<br> $1531.42000<br> $1531.42000<br> $1814.20000<br> $0.00000<br> $0.00000<br> $0.00000 | 39.500% | 0.000% | 44.800% | 79.100% | $717.32 | $17215.56 |
| 37926431 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $671113.95 | 8.125% | $5031.16 | $6162.65 | 2025-07-22 | 2025-08-01 | 0 | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,162.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,031.16 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6263.57 | $6263.57 | $6263.57 | $6263.57 | $6263.57 | $6263.57 | $6263.57 | $6263.57 | $6263.57 | $6263.57 | $6263.57 | $6263.57 | $6162.65 | $6162.65 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6263.57000<br> $6263.57000<br> $6263.57000<br> $6263.57000<br> $6263.57000<br> $6263.57000<br> $6263.57000<br> $6263.57000<br> $6263.57000<br> $6263.57000<br> $6263.57000<br> $6263.57000<br> $6162.65000<br> $6162.65000<br> $0.00000<br> $0.00000<br> $0.00000 | 59.200% | 0.000% | 50.300% | 76.000% | $3645.34 | $87488.14 |
| 6764103 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $466782.43 | 7.875% | $3398.76 | $4229.72 | 2025-07-14 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,229.72 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,398.76 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4229.72 | $0.00 | $0.00 | $12689.16 | $4229.72 | $4229.72 | $0.00 | $0.00 | $0.00 | 000210 | 012000 | 2025-07-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4229.72000<br> $0.00000<br> $0.00000<br> $12689.16000<br> $4229.72000<br> $4229.72000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 83.300% | 50.000% | $1057.43 | $25378.32 |
| 90508900 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $165029.59 | 6.750% | $1079.92 | $1437.49 | 2025-07-11 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,437.49 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,079.92 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1437.49 | $2874.98 | $0.00 | $1437.49 | $1437.49 | $1437.49 | $1437.49 | $2874.98 | $0.00 | $1437.49 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-07-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1437.49000<br> $2874.98000<br> $0.00000<br> $1437.49000<br> $1437.49000<br> $1437.49000<br> $1437.49000<br> $2874.98000<br> $0.00000<br> $1437.49000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 50.000% | 75.000% | $598.95 | $14374.90 |
| 83035681 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | $368408.09 | 7.125% | $2486.02 | $2923.26 | 2025-08-05 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,923.26 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,486.02 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2923.26 | $0.00 | $2923.26 | $0.00 | $0.00 | 00 | 00 | 2025-08-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2923.26000<br> $0.00000<br> $2923.26000<br> $0.00000<br> $0.00000 | 8.300% | 33.300% | 33.300% | 16.700% | $243.61 | $5846.52 |
| 69836920 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Minnesota | xx | $118534.90 | 7.250% | $818.61 | $1323.16 | 2025-08-01 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,323.16 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $818.61 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1137.60 | $0.00 | $1137.60 | $1137.60 | $1137.60 | $1137.60 | $1137.60 | $1137.60 | $1137.60 | $1137.60 | $1137.60 | $1137.60 | $1137.60 | $1323.16 | $1323.16 | $1323.16 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1137.60000<br> $0.00000<br> $1137.60000<br> $1137.60000<br> $1137.60000<br> $1137.60000<br> $1137.60000<br> $1137.60000<br> $1137.60000<br> $1137.60000<br> $1137.60000<br> $1137.60000<br> $1137.60000<br> $1323.16000<br> $1323.16000<br> $1323.16000<br> $0.00000<br> $0.00000 | 55.500% | 33.300% | 64.300% | 75.200% | $734.20 | $17620.68 |
| 10171642 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Wisconsin | xx | $576355.85 | 7.375% | $4002.46 | $4676.16 | 2025-08-01 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,676.16 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,002.46 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4703.91 | $4703.91 | $4676.16 | $4676.16 | $4676.16 | $4676.16 | $4676.16 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4703.91000<br> $4703.91000<br> $4676.16000<br> $4676.16000<br> $4676.16000<br> $4676.16000<br> $4676.16000<br> $0.00000<br> $0.00000 | 29.200% | 33.300% | 66.700% | 58.400% | $1366.19 | $32788.62 |
| 60442880 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $372995.34 | 7.250% | $2558.71 | $3227.42 | 2025-07-28 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,227.42 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,558.71 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3227.42 | $6454.84 | $0.00 | $3227.42 | $6454.84 | $3227.42 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-07-28 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3227.42000<br> $6454.84000<br> $0.00000<br> $3227.42000<br> $6454.84000<br> $3227.42000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 66.700% | 58.300% | $941.33 | $22591.94 |
| 57860528 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Colorado | xx | $312707.73 | 5.750% | $1830.64 | $2128.55 | 2025-08-05 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,128.55 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,830.64 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2128.55 | $2128.55 | $2128.55 | $0.00 | $0.00 | 000 | 000 | 2025-08-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2128.55000<br> $2128.55000<br> $2128.55000<br> $0.00000<br> $0.00000 | 12.500% | 33.300% | 50.000% | 25.000% | $266.07 | $6385.65 |
| 23797301 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $194659.80 | 6.375% | $1461.70 | $1982.43 | 2025-07-17 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,982.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,461.7 with an interest rate of 6.375%. The current UPB reflected as per payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3964.86 | $1982.43 | $1982.43 | $1982.43 | $1982.43 | $1982.43 | $1982.43 | $0.00 | $0.00 | $0.00 | 00000001 | 10000000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3964.86000<br> $1982.43000<br> $1982.43000<br> $1982.43000<br> $1982.43000<br> $1982.43000<br> $1982.43000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 50.000% | 66.700% | $660.81 | $15859.44 |
| 41218628 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $630425.00 | 7.375% | $4354.19 |  | 2025-07-18 | 2025-08-01 | 0 | The loan was originated on xx/xx/2025 and the first payment due date is xx/xx/2025. According to the tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $4,354.19 with an interest rate of 7.375%. The current UPB reflected as per the tape data is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 4728154 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $169450.31 | 7.125% | $1152.06 | $1549.76 | 2025-07-28 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,549.76 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,152.06 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1452.11 | $0.00 | $1452.11 | $1452.11 | $1452.11 | $1452.11 | $1452.11 | $0.00 | $3001.87 | $1549.76 | $1549.76 | $0.00 | $0.00 | $0.00 | 00010000010 | 01000001000 | 2025-07-24 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1452.11000<br> $0.00000<br> $1452.11000<br> $1452.11000<br> $1452.11000<br> $1452.11000<br> $1452.11000<br> $0.00000<br> $3001.87000<br> $1549.76000<br> $1549.76000<br> $0.00000<br> $0.00000<br> $0.00000 | 39.800% | 0.000% | 65.600% | 71.800% | $617.25 | $14814.05 |
| 2246682 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | $1261669.46 | 7.250% | $8690.93 | $8690.93 | 2025-08-01 | 2025-08-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,690.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $8,690.93 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8690.93 | $8690.93 | $0.00 | $17381.86 | $0.00 | $17381.86 | $8690.93 | $0.00 | $8690.93 | $8690.93 | $8690.93 | $8690.93 | $8690.93 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-07-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8690.93000<br> $8690.93000<br> $0.00000<br> $17381.86000<br> $0.00000<br> $17381.86000<br> $8690.93000<br> $0.00000<br> $8690.93000<br> $8690.93000<br> $8690.93000<br> $8690.93000<br> $8690.93000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 50.000% | 66.700% | $4345.47 | $104291.16 |
| 40407213 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $290971.55 | 4.625% | $1581.49 | $2361.78 | 2025-08-05 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,361.78 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,581.49 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | $2229.11 | $2229.11 | $2229.11 | $2229.11 | $2229.11 | $2171.54 | $2171.54 | $2171.54 | $2171.54 | $2171.54 | $2171.54 | $2171.54 | $2171.54 | $2171.54 | $2171.54 | $2171.54 | $2171.54 | $3013.00 | $2361.78 | $2361.78 | $2361.78 | $2361.78 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2229.11000<br> $2229.11000<br> $2229.11000<br> $2229.11000<br> $2229.11000<br> $2171.54000<br> $2171.54000<br> $2171.54000<br> $2171.54000<br> $2171.54000<br> $2171.54000<br> $2171.54000<br> $2171.54000<br> $2171.54000<br> $2171.54000<br> $2171.54000<br> $2171.54000<br> $3013.00000<br> $2361.78000<br> $2361.78000<br> $2361.78000<br> $2361.78000<br> $0.00000<br> $0.00000 | 87.600% | 33.300% | 66.700% | 82.300% | $2069.34 | $49664.15 |
| 63544219 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $311603.65 | 5.625% | $1944.28 | $2976.83 | 2025-08-05 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,976.83 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,944.28 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2929.05 | $2929.05 | $2929.05 | $2929.05 | $2929.05 | $2929.05 | $2929.05 | $2929.05 | $2929.05 | $2929.05 | $2929.05 | $2929.05 | $2984.01 | $2984.01 | $2984.01 | $2984.01 | $2984.01 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2929.05000<br> $2929.05000<br> $2929.05000<br> $2929.05000<br> $2929.05000<br> $2929.05000<br> $2929.05000<br> $2929.05000<br> $2929.05000<br> $2929.05000<br> $2929.05000<br> $2929.05000<br> $2984.01000<br> $2984.01000<br> $2984.01000<br> $2984.01000<br> $2984.01000<br> $0.00000<br> $0.00000 | 87.600% | 33.400% | 66.800% | 82.800% | $2607.03 | $62568.65 |
| 50681443 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $746334.47 | 5.990% | $4551.70 | $5112.51 | 2025-08-01 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,112.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,551.70 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5048.81 | $6048.81 | $5048.81 | $5048.81 | $5048.81 | $5048.81 | $5048.81 | $5048.81 | $5048.81 | $5048.81 | $5048.81 | $5048.81 | $5112.51 | $5112.51 | $5112.51 | $5112.51 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5048.81000<br> $6048.81000<br> $5048.81000<br> $5048.81000<br> $5048.81000<br> $5048.81000<br> $5048.81000<br> $5048.81000<br> $5048.81000<br> $5048.81000<br> $5048.81000<br> $5048.81000<br> $5112.51000<br> $5112.51000<br> $5112.51000<br> $5112.51000<br> $0.00000<br> $0.00000 | 66.900% | 33.300% | 66.700% | 82.700% | $3418.16 | $82035.76 |
| 31811729 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $63904.01 | 7.125% | $435.22 | $584.88 | 2025-07-30 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $584.88 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $435.22 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $551.80 | $551.80 | $551.80 | $551.80 | $551.80 | $551.80 | $0.00 | $587.51 | $0.00 | $1754.64 | $584.88 | $584.88 | $584.88 | $0.00 | $0.00 | $0.00 | 0000211000000 | 0000001120000 | 2025-07-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $551.80000<br> $551.80000<br> $551.80000<br> $551.80000<br> $551.80000<br> $551.80000<br> $0.00000<br> $587.51000<br> $0.00000<br> $1754.64000<br> $584.88000<br> $584.88000<br> $584.88000<br> $0.00000<br> $0.00000<br> $0.00000 | 52.800% | 0.000% | 50.000% | 74.100% | $308.65 | $7407.59 |
| 35403586 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $235687.05 | 7.500% | $1660.63 | $2091.99 | 2025-07-22 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,091.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,660.63 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2059.83 | $2059.83 | $2059.83 | $2059.83 | $2091.99 | $2091.99 | $2091.99 | $2091.99 | $2091.99 | $2091.99 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-07-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2059.83000<br> $2059.83000<br> $2059.83000<br> $2059.83000<br> $2091.99000<br> $2091.99000<br> $2091.99000<br> $2091.99000<br> $2091.99000<br> $2091.99000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.400% | 0.000% | 50.000% | 74.600% | $866.30 | $20791.26 |
| 92849582 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | $266758.06 | 6.500% | $1700.27 | $2228.17 | 2025-06-30 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,228.17 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,700.27 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2228.17 | $2228.17 | $2228.17 | $2228.17 | $2228.17 | $2228.17 | $2228.17 | $4456.34 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-06-24 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2228.17000<br> $2228.17000<br> $2228.17000<br> $2228.17000<br> $2228.17000<br> $2228.17000<br> $2228.17000<br> $4456.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 50.000% | 75.000% | $835.56 | $20053.53 |
| 99460273 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Oklahoma | xx | $303832.87 | 6.375% | $1900.84 | $2463.12 | 2025-08-02 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,463.12 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,900.84 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2463.12 | $2463.12 | $2463.12 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2463.12000<br> $2463.12000<br> $2463.12000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $307.89 | $7389.36 |
| 41293660 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $711510.01 | 7.875% | $5162.49 | $5994.91 | 2025-08-05 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,994.91 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,162.49 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5994.91 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-07-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5994.91000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $249.79 | $5994.91 |
| 22836520 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | South Carolina | xx | $310658.92 | 7.125% | $2112.11 | $2523.57 | 2025-07-07 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,523.57 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,112.11 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2523.57 | $2523.57 | $2523.57 | $2523.57 | $2523.57 | $0.00 | $5047.14 | $2523.57 | $2523.57 | $2523.57 | $2523.57 | $0.00 | $0.00 | $0.00 | 00000100000 | 00000100000 | 2025-07-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2523.57000<br> $2523.57000<br> $2523.57000<br> $2523.57000<br> $2523.57000<br> $0.00000<br> $5047.14000<br> $2523.57000<br> $2523.57000<br> $2523.57000<br> $2523.57000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 50.000% | 75.000% | $1156.64 | $27759.27 |
| 31812654 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $149880.05 | 7.125% | $1010.58 | $1010.58 | 2025-08-13 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,010.58 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,010.58 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1010.58 | $0.00 | $0.00 | 0 | 0 | 2025-08-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1010.58000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $42.11 | $1010.58 |
| 7783847 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | $289557.31 | 7.375% | $2002.96 | $2002.96 | 2025-08-13 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,002.96 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,002.96 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2002.96 | $2002.96 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-07-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2002.96000<br> $2002.96000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $166.91 | $4005.92 |
| 21202515 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $134889.13 | 6.990% | $897.25 | $1284.55 | 2025-08-13 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,284.55 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $897.25 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1284.55 | $0.00 | $0.00 | 0 | 0 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1284.55000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $53.52 | $1284.55 |
| 44167380 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $762483.88 | 6.875% | $5013.19 | $6462.06 | 2025-08-13 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,462.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,013.19 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6462.06 | $0.00 | $0.00 | 0 | 0 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6462.06000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $269.25 | $6462.06 |
| 13417730 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $116547.56 | 9.250% | $959.81 | $959.81 | 2025-08-13 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $959.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $959.81 with an interest rate of 9.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $959.81 | $959.81 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-07-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $959.81000<br> $959.81000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $79.98 | $1919.62 |
| 81632636 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $179172.47 | 8.875% | $1605.06 | $1605.06 | 2025-07-31 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,605.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,605.06 with an interest rate of 8.875%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1605.06 | $1605.06 | $1605.06 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1605.06000<br> $1605.06000<br> $1605.06000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $200.63 | $4815.18 |
| 47716715 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $443862.06 | 7.375% | $3101.82 | $4438.99 | 2025-08-07 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,438.99 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,101.82 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4431.15 | $4431.15 | $4431.15 | $8862.30 | $0.00 | $8862.30 | $4431.15 | $0.00 | $8862.30 | $4431.15 | $0.00 | $8870.14 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-07-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4431.15000<br> $4431.15000<br> $4431.15000<br> $8862.30000<br> $0.00000<br> $8862.30000<br> $4431.15000<br> $0.00000<br> $8862.30000<br> $4431.15000<br> $0.00000<br> $8870.14000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.100% | 0.000% | 49.900% | 83.200% | $2400.53 | $57612.79 |
| 3746296 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $262951.42 | 6.250% | $1631.65 | $2357.41 | 2025-07-23 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received was on 0xx/xx/2025 in the amount of $2,357.41 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,631.65 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2357.41 | $1631.65 | $2357.41 | $2357.41 | $2357.41 | $2357.41 | $2357.41 | $2357.41 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-07-23 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2357.41000<br> $1631.65000<br> $2357.41000<br> $2357.41000<br> $2357.41000<br> $2357.41000<br> $2357.41000<br> $2357.41000<br> $0.00000<br> $0.00000<br> $0.00000 | 32.100% | 0.000% | 50.000% | 64.100% | $755.56 | $18133.52 |
| 84669704 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $235836.91 | 3.375% | $1123.03 | $1679.64 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,679.64 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,123.03 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx.<br>| $1535.91 | $3071.82 | $0.00 | $1535.91 | $1535.91 | $1535.91 | $3071.82 | $0.00 | $1535.91 | $3071.82 | $0.00 | $1535.91 | $3071.82 | $1535.91 | $1535.91 | $0.00 | $1535.91 | $1679.64 | $1679.64 | $1679.64 | $1679.64 | $1679.64 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1535.91000<br> $3071.82000<br> $0.00000<br> $1535.91000<br> $1535.91000<br> $1535.91000<br> $3071.82000<br> $0.00000<br> $1535.91000<br> $3071.82000<br> $0.00000<br> $1535.91000<br> $3071.82000<br> $1535.91000<br> $1535.91000<br> $0.00000<br> $1535.91000<br> $1679.64000<br> $1679.64000<br> $1679.64000<br> $1679.64000<br> $1679.64000<br> $0.00000<br> $0.00000 | 85.600% | 33.300% | 66.700% | 79.800% | $1437.86 | $34508.67 |
| 90980188 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $206044.56 | 3.875% | $919.31 | $1786.83 | 2025-08-11 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,786.83 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $919.31 with an interest rate of 3.875%. The current UPB reflected as per the payment history is xx. | $6818.69 | $0.00 | $1775.96 | $1875.96 | $1899.00 | $1884.98 | $1884.98 | $1884.98 | $3769.96 | $1884.98 | $0.00 | $1884.98 | $1884.98 | $1884.98 | $1884.98 | $0.00 | $3769.96 | $1786.83 | $1900.00 | $1900.00 | $1900.00 | $1900.00 | $0.00 | $0.00 | 000000100000000000000022 | 220000000000000001000000 | 2025-08-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $6818.69000<br> $0.00000<br> $1775.96000<br> $1875.96000<br> $1899.00000<br> $1884.98000<br> $1884.98000<br> $1884.98000<br> $3769.96000<br> $1884.98000<br> $0.00000<br> $1884.98000<br> $1884.98000<br> $1884.98000<br> $1884.98000<br> $0.00000<br> $3769.96000<br> $1786.83000<br> $1900.00000<br> $1900.00000<br> $1900.00000<br> $1900.00000<br> $0.00000<br> $0.00000 | 103.500% | 35.400% | 70.900% | 87.700% | $1849.01 | $44376.20 |
| 792181 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $398764.82 | 2.990% | $1855.95 | $2653.04 | 2025-08-21 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,653.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,855.95 with an interest rate of 2.990%. The current UPB reflected as per the payment history is xx. | $2507.34 | $2507.34 | $2507.34 | $2507.34 | $2507.34 | $2507.34 | $2507.34 | $2507.34 | $2542.37 | $2542.37 | $2542.37 | $2542.37 | $2542.37 | $2542.37 | $2542.37 | $2542.37 | $2542.37 | $2542.37 | $2542.37 | $2542.37 | $2653.04 | $2653.04 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2507.34000<br> $2507.34000<br> $2507.34000<br> $2507.34000<br> $2507.34000<br> $2507.34000<br> $2507.34000<br> $2507.34000<br> $2542.37000<br> $2542.37000<br> $2542.37000<br> $2542.37000<br> $2542.37000<br> $2542.37000<br> $2542.37000<br> $2542.37000<br> $2542.37000<br> $2542.37000<br> $2542.37000<br> $2542.37000<br> $2653.04000<br> $2653.04000<br> $0.00000<br> $0.00000 | 87.800% | 33.300% | 65.300% | 80.600% | $2328.05 | $55873.24 |
| 39898940 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $204444.18 | 3.375% | $989.12 | $1477.38 | 2025-08-05 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,477.38 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $989.12 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx. | $1499.23 | $1499.23 | $1499.23 | $1494.48 | $1494.48 | $1494.48 | $1494.48 | $1494.48 | $1494.48 | $1494.48 | $1494.48 | $1494.48 | $1494.48 | $1494.48 | $1494.48 | $1491.05 | $1491.05 | $1491.05 | $1491.05 | $1477.38 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1499.23000<br> $1499.23000<br> $1499.23000<br> $1494.48000<br> $1494.48000<br> $1494.48000<br> $1494.48000<br> $1494.48000<br> $1494.48000<br> $1494.48000<br> $1494.48000<br> $1494.48000<br> $1494.48000<br> $1494.48000<br> $1494.48000<br> $1491.05000<br> $1491.05000<br> $1491.05000<br> $1491.05000<br> $1477.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.300% | 0.000% | 33.500% | 67.300% | $1244.71 | $29873.03 |
| 83871425 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $310857.35 | 3.375% | $1538.49 | $2450.85 | 2025-08-29 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,450.85 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,538.49 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx. | $2200.00 | $2200.00 | $2550.00 | $2600.00 | $2600.00 | $2600.00 | $2600.00 | $2600.00 | $2800.00 | $2600.00 | $2700.00 | $5200.00 | $0.00 | $5100.00 | $2700.00 | $2800.00 | $2950.85 | $2950.85 | $2950.85 | $0.00 | $4400.00 | $2950.85 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-07-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2200.00000<br> $2200.00000<br> $2550.00000<br> $2600.00000<br> $2600.00000<br> $2600.00000<br> $2600.00000<br> $2600.00000<br> $2800.00000<br> $2600.00000<br> $2700.00000<br> $5200.00000<br> $0.00000<br> $5100.00000<br> $2700.00000<br> $2800.00000<br> $2950.85000<br> $2950.85000<br> $2950.85000<br> $0.00000<br> $4400.00000<br> $2950.85000<br> $0.00000<br> $0.00000 | 102.100% | 40.100% | 70.100% | 91.100% | $2502.23 | $60053.40 |
| 65136142 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $361451.00 | 3.375% | $1734.79 | $2481.35 | 2025-08-18 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,734.79 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,481.35 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx. | $10258.64 | $2564.66 | $2564.66 | $2564.66 | $2485.73 | $2485.73 | $2485.73 | $2485.73 | $2485.73 | $2485.73 | $2485.73 | $2485.73 | $2481.35 | $2481.35 | $2481.35 | $2481.35 | $2481.35 | $2481.35 | $2481.35 | $2481.35 | $2481.35 | $2481.35 | $0.00 | $0.00 | 000000000000000000000032 | 230000000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $10258.64000<br> $2564.66000<br> $2564.66000<br> $2564.66000<br> $2485.73000<br> $2485.73000<br> $2485.73000<br> $2485.73000<br> $2485.73000<br> $2485.73000<br> $2485.73000<br> $2485.73000<br> $2481.35000<br> $2481.35000<br> $2481.35000<br> $2481.35000<br> $2481.35000<br> $2481.35000<br> $2481.35000<br> $2481.35000<br> $2481.35000<br> $2481.35000<br> $0.00000<br> $0.00000 | 105.200% | 33.300% | 66.700% | 83.300% | $2610.50 | $62651.96 |
| 84526985 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $253384.04 | 3.250% | $1194.35 | $2068.32 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,068.32 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,194.35 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | $1997.03 | $1997.03 | $1997.03 | $2088.67 | $2088.67 | $2088.67 | $2088.67 | $2088.67 | $2088.67 | $2088.67 | $2088.67 | $2088.67 | $2088.67 | $2088.67 | $2088.67 | $2068.32 | $2068.32 | $2068.32 | $2068.32 | $2068.32 | $2068.32 | $2068.32 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1997.03000<br> $1997.03000<br> $1997.03000<br> $2088.67000<br> $2088.67000<br> $2088.67000<br> $2088.67000<br> $2088.67000<br> $2088.67000<br> $2088.67000<br> $2088.67000<br> $2088.67000<br> $2088.67000<br> $2088.67000<br> $2088.67000<br> $2068.32000<br> $2068.32000<br> $2068.32000<br> $2068.32000<br> $2068.32000<br> $2068.32000<br> $2068.32000<br> $0.00000<br> $0.00000 | 91.700% | 33.300% | 66.700% | 83.600% | $1897.22 | $45533.37 |
| 35212248 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $287598.39 | 3.375% | $1374.89 | $1695.01 | 2025-08-05 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,695.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,374.89 with an interest rate of 3.375%. The current UPB reflected as per the payment history is xx. | $1693.47 | $1693.47 | $1693.47 | $1693.47 | $1693.47 | $1693.47 | $1693.47 | $1693.47 | $1680.77 | $1680.77 | $1680.77 | $1680.77 | $1680.77 | $1680.77 | $1680.77 | $1680.77 | $1680.77 | $1680.77 | $1680.77 | $1680.77 | $1695.01 | $1695.01 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1693.47000<br> $1693.47000<br> $1693.47000<br> $1693.47000<br> $1693.47000<br> $1693.47000<br> $1693.47000<br> $1693.47000<br> $1680.77000<br> $1680.77000<br> $1680.77000<br> $1680.77000<br> $1680.77000<br> $1680.77000<br> $1680.77000<br> $1680.77000<br> $1680.77000<br> $1680.77000<br> $1680.77000<br> $1680.77000<br> $1695.01000<br> $1695.01000<br> $0.00000<br> $0.00000 | 91.200% | 33.300% | 66.400% | 82.800% | $1546.13 | $37107.02 |
| 99241255 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $222241.15 | 3.125% | $1031.52 | $1718.19 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,718.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,031.52 with an interest rate of 3.1250%. The current UPB reflected as per the payment history is xx. | $7608.64 | $1902.16 | $1902.16 | $1902.16 | $1902.16 | $1795.79 | $1795.79 | $1795.79 | $1795.79 | $1795.79 | $1795.79 | $1795.79 | $1795.79 | $1795.79 | $1795.79 | $1795.79 | $1795.79 | $1718.19 | $1718.19 | $1718.19 | $1718.19 | $1718.19 | $0.00 | $0.00 | 000000000000000000000032 | 230000000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $7608.64000<br> $1902.16000<br> $1902.16000<br> $1902.16000<br> $1902.16000<br> $1795.79000<br> $1795.79000<br> $1795.79000<br> $1795.79000<br> $1795.79000<br> $1795.79000<br> $1795.79000<br> $1795.79000<br> $1795.79000<br> $1795.79000<br> $1795.79000<br> $1795.79000<br> $1718.19000<br> $1718.19000<br> $1718.19000<br> $1718.19000<br> $1718.19000<br> $0.00000<br> $0.00000 | 110.000% | 33.300% | 66.700% | 85.200% | $1889.90 | $45357.71 |
| 75399762 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $210098.10 | 3.875% | $1057.94 | $1491.29 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,491.29 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,057.94 with an interest rate of 3.875%. The current UPB reflected as per the payment history is xx. | $1339.00 | $1339.00 | $1339.00 | $1339.00 | $1339.00 | $1339.00 | $1339.00 | $1326.29 | $1326.29 | $1326.29 | $1326.29 | $1326.29 | $1326.29 | $1326.29 | $1326.29 | $1326.29 | $1326.29 | $1326.29 | $1326.29 | $1326.29 | $1491.29 | $1491.29 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1339.00000<br> $1339.00000<br> $1339.00000<br> $1339.00000<br> $1339.00000<br> $1339.00000<br> $1339.00000<br> $1326.29000<br> $1326.29000<br> $1326.29000<br> $1326.29000<br> $1326.29000<br> $1326.29000<br> $1326.29000<br> $1326.29000<br> $1326.29000<br> $1326.29000<br> $1326.29000<br> $1326.29000<br> $1326.29000<br> $1491.29000<br> $1491.29000<br> $0.00000<br> $0.00000 | 82.700% | 33.300% | 63.000% | 76.000% | $1233.22 | $29597.35 |
| 79662552 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $304659.60 | 2.750% | $1374.90 | $1912.31 | 2025-08-05 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,912.31 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,374.90 with an interest rate of 2.75%. The current UPB reflected as per the payment history is xx. | $1792.34 | $1792.34 | $1792.34 | $1792.34 | $1792.34 | $1792.34 | $1792.34 | $1792.34 | $1849.91 | $1849.91 | $1849.91 | $1849.91 | $1849.91 | $1849.91 | $1849.91 | $1849.91 | $1849.91 | $1849.91 | $1849.91 | $1849.91 | $1912.31 | $1912.31 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1792.34000<br> $1792.34000<br> $1792.34000<br> $1792.34000<br> $1792.34000<br> $1792.34000<br> $1792.34000<br> $1792.34000<br> $1849.91000<br> $1849.91000<br> $1849.91000<br> $1849.91000<br> $1849.91000<br> $1849.91000<br> $1849.91000<br> $1849.91000<br> $1849.91000<br> $1849.91000<br> $1849.91000<br> $1849.91000<br> $1912.31000<br> $1912.31000<br> $0.00000<br> $0.00000 | 87.900% | 33.300% | 65.600% | 81.200% | $1681.76 | $40362.26 |
| 55408546 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $361474.46 | 4.750% | $1994.13 | $2756.18 | 2025-08-01 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,756.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,994.13 with an interest rate of 4.75%. The current UPB reflected as per the payment history is xx. | $10327.84 | $5163.92 | $2581.96 | $0.00 | $2581.96 | $0.00 | $8228.56 | $2823.30 | $3429.59 | $3429.59 | $3429.59 | $3429.59 | $3429.59 | $3429.59 | $3429.59 | $3429.59 | $3429.59 | $3429.59 | $3429.59 | $3429.59 | $2756.18 | $2756.18 | $0.00 | $0.00 | 000000000000000021100143 | 341001120000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $10327.84000<br> $5163.92000<br> $2581.96000<br> $0.00000<br> $2581.96000<br> $0.00000<br> $8228.56000<br> $2823.30000<br> $3429.59000<br> $3429.59000<br> $3429.59000<br> $3429.59000<br> $3429.59000<br> $3429.59000<br> $3429.59000<br> $3429.59000<br> $3429.59000<br> $3429.59000<br> $3429.59000<br> $3429.59000<br> $2756.18000<br> $2756.18000<br> $0.00000<br> $0.00000 | 118.500% | 33.300% | 74.800% | 99.600% | $3265.62 | $78374.98 |
| 61217676 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $358583.95 | 4.250% | $1914.68 | $3318.52 | 2025-07-16 | 2025-08-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,318.52 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,914.68 with an interest rate of 4.250%. The current UPB reflected as per the payment history is xx. | $2665.25 | $2665.25 | $2665.25 | $3238.75 | $3238.75 | $3238.75 | $3238.75 | $3238.75 | $3238.75 | $3238.75 | $3238.75 | $3238.75 | $3238.75 | $3238.75 | $3238.75 | $3318.52 | $3318.52 | $3318.52 | $3318.52 | $3318.52 | $3318.52 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-07-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2665.25000<br> $2665.25000<br> $2665.25000<br> $3238.75000<br> $3238.75000<br> $3238.75000<br> $3238.75000<br> $3238.75000<br> $3238.75000<br> $3238.75000<br> $3238.75000<br> $3238.75000<br> $3238.75000<br> $3238.75000<br> $3238.75000<br> $3318.52000<br> $3318.52000<br> $3318.52000<br> $3318.52000<br> $3318.52000<br> $3318.52000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.800% | 0.000% | 50.000% | 74.400% | $2782.16 | $66771.87 |
| 48344347 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Utah | xx | $436940.43 | 4.125% | $2299.47 | $2495.70 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,495.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,299.47 with an interest rate of 4.125%. The current UPB reflected as per the payment history is xx. | $2570.38 | $2570.38 | $2570.38 | $2491.75 | $2491.75 | $2491.75 | $2491.75 | $2491.75 | $2491.75 | $2491.75 | $2491.75 | $2491.75 | $2491.75 | $2491.75 | $2491.75 | $2495.70 | $2495.70 | $2495.70 | $2495.70 | $2495.70 | $2495.70 | $2495.70 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2570.38000<br> $2570.38000<br> $2570.38000<br> $2491.75000<br> $2491.75000<br> $2491.75000<br> $2491.75000<br> $2491.75000<br> $2491.75000<br> $2491.75000<br> $2491.75000<br> $2491.75000<br> $2491.75000<br> $2491.75000<br> $2491.75000<br> $2495.70000<br> $2495.70000<br> $2495.70000<br> $2495.70000<br> $2495.70000<br> $2495.70000<br> $2495.70000<br> $0.00000<br> $0.00000 | 92.000% | 33.300% | 66.700% | 83.300% | $2295.09 | $55082.04 |
| 39537052 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $266117.99 | 5.125% | $2490.57 | $3306.53 | 2025-08-01 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,306.53 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,490.57 with an interest rate of 5.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $10600.76 | $0.00 | $3923.99 | $3923.99 | $3923.99 | $3923.99 | $3923.99 | $3923.99 | $3923.99 | $3923.99 | $3923.99 | $3923.99 | $3923.99 | $3923.99 | $3306.53 | $3306.53 | $3306.53 | $3306.53 | $3306.53 | $3306.53 | $0.00 | $0.00 | 000000000000000000002100 | 001200000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $10600.76000<br> $0.00000<br> $3923.99000<br> $3923.99000<br> $3923.99000<br> $3923.99000<br> $3923.99000<br> $3923.99000<br> $3923.99000<br> $3923.99000<br> $3923.99000<br> $3923.99000<br> $3923.99000<br> $3923.99000<br> $3306.53000<br> $3306.53000<br> $3306.53000<br> $3306.53000<br> $3306.53000<br> $3306.53000<br> $0.00000<br> $0.00000 | 97.700% | 33.300% | 66.700% | 89.600% | $3230.33 | $77527.82 |
| 69735547 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $549222.06 | 4.625% | $2972.98 | $4067.40 | 2025-08-05 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,067.40 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,972.98 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | $4061.42 | $4061.42 | $4061.42 | $4061.42 | $4061.42 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4064.25 | $4067.40 | $4067.40 | $0.00 | $0.00 | 000000000000000000000002 | 200000000000000000000000 | 2025-08-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4061.42000<br> $4061.42000<br> $4061.42000<br> $4061.42000<br> $4061.42000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4064.25000<br> $4067.40000<br> $4067.40000<br> $0.00000<br> $0.00000 | 91.600% | 33.300% | 66.600% | 83.300% | $3725.24 | $89405.65 |
| 86914983 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Utah | xx | $616047.74 | 4.625% | $3327.51 | $3804.56 | 2025-08-06 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,804.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,327.51 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | $3841.69 | $3841.69 | $3841.69 | $3767.18 | $3767.18 | $3767.18 | $3767.18 | $3767.18 | $3767.18 | $3767.18 | $3767.18 | $3767.18 | $3767.18 | $3767.18 | $3767.18 | $3804.56 | $3804.56 | $3804.56 | $3804.56 | $3804.56 | $3804.56 | $3804.56 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3841.69000<br> $3841.69000<br> $3841.69000<br> $3767.18000<br> $3767.18000<br> $3767.18000<br> $3767.18000<br> $3767.18000<br> $3767.18000<br> $3767.18000<br> $3767.18000<br> $3767.18000<br> $3767.18000<br> $3767.18000<br> $3767.18000<br> $3804.56000<br> $3804.56000<br> $3804.56000<br> $3804.56000<br> $3804.56000<br> $3804.56000<br> $3804.56000<br> $0.00000<br> $0.00000 | 91.300% | 33.300% | 66.700% | 83.100% | $3473.46 | $83363.15 |
| 49399572 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $407855.22 | 6.750% | $2739.68 | $3538.02 | 2025-08-20 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,538.02 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,739.68 with an interest rate of 6.75%. The current UPB reflected as per the payment history is xx. | $3393.36 | $10180.08 | $3393.36 | $3393.36 | $3393.36 | $4135.53 | $4135.53 | $4135.53 | $4135.53 | $3553.01 | $3553.01 | $3553.01 | $3457.52 | $3457.52 | $3457.52 | $3457.52 | $3457.52 | $3614.42 | $3614.42 | $3614.42 | $3614.42 | $3614.42 | $0.00 | $0.00 | 000000000000000000000223 | 322000000000000000000000 | 2025-08-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3393.36000<br> $10180.08000<br> $3393.36000<br> $3393.36000<br> $3393.36000<br> $4135.53000<br> $4135.53000<br> $4135.53000<br> $4135.53000<br> $3553.01000<br> $3553.01000<br> $3553.01000<br> $3457.52000<br> $3457.52000<br> $3457.52000<br> $3457.52000<br> $3457.52000<br> $3614.42000<br> $3614.42000<br> $3614.42000<br> $3614.42000<br> $3614.42000<br> $0.00000<br> $0.00000 | 101.700% | 34.100% | 68.100% | 83.300% | $3596.43 | $86314.37 |
| 76576397 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $425993.76 | 6.250% | $2709.16 | $3292.90 | 2025-08-06 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,292.90 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,709.16 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | $6676.40 | $6676.40 | $0.00 | $3338.20 | $3473.66 | $3359.87 | $3359.87 | $3359.87 | $3359.87 | $3359.87 | $3359.87 | $3359.87 | $3292.90 | $3292.90 | $3292.90 | $3292.90 | $3292.90 | $3292.90 | $3292.90 | $3292.90 | $3292.90 | $3292.90 | $0.00 | $0.00 | 000000000000000000000012 | 210000000000000000000000 | 2025-08-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $6676.40000<br> $6676.40000<br> $0.00000<br> $3338.20000<br> $3473.66000<br> $3359.87000<br> $3359.87000<br> $3359.87000<br> $3359.87000<br> $3359.87000<br> $3359.87000<br> $3359.87000<br> $3292.90000<br> $3292.90000<br> $3292.90000<br> $3292.90000<br> $3292.90000<br> $3292.90000<br> $3292.90000<br> $3292.90000<br> $3292.90000<br> $3292.90000<br> $0.00000<br> $0.00000 | 96.900% | 33.300% | 66.700% | 83.300% | $3192.20 | $76612.75 |
| 2895956 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $352283.18 | 5.125% | $1987.38 | $2832.56 | 2025-08-15 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,832.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,987.38 with an interest rate of 5.125%. The current UPB reflected as per the payment history is xx. | $2859.62 | $2859.62 | $2859.62 | $2859.62 | $2859.62 | $2859.62 | $2859.62 | $2859.62 | $3445.75 | $2918.98 | $2918.98 | $2918.98 | $2918.98 | $2918.98 | $2918.98 | $2918.98 | $2918.98 | $2918.98 | $2918.98 | $2918.98 | $2832.56 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-07-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2859.62000<br> $2859.62000<br> $2859.62000<br> $2859.62000<br> $2859.62000<br> $2859.62000<br> $2859.62000<br> $2859.62000<br> $3445.75000<br> $2918.98000<br> $2918.98000<br> $2918.98000<br> $2918.98000<br> $2918.98000<br> $2918.98000<br> $2918.98000<br> $2918.98000<br> $2918.98000<br> $2918.98000<br> $2918.98000<br> $2832.56000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.100% | 0.000% | 51.000% | 77.000% | $2552.67 | $61264.05 |
| 62860511 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Colorado | xx | $481118.97 | 4.875% | $2646.04 | $3438.16 | 2025-09-02 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,438.16 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,646.04 and the interest rate is 4.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $3364.32 | $3364.32 | $3364.32 | $3364.32 | $3417.49 | $3417.49 | $3417.49 | $3417.49 | $3417.49 | $3417.49 | $3417.49 | $3417.49 | $3417.49 | $3417.49 | $3417.49 | $3438.16 | $3438.16 | $3438.16 | $3438.16 | $0.00 | 0000000000000000000MMMMM | MMMMM0000000000000000000 | 2025-09-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3364.32000<br> $3364.32000<br> $3364.32000<br> $3364.32000<br> $3417.49000<br> $3417.49000<br> $3417.49000<br> $3417.49000<br> $3417.49000<br> $3417.49000<br> $3417.49000<br> $3417.49000<br> $3417.49000<br> $3417.49000<br> $3417.49000<br> $3438.16000<br> $3438.16000<br> $3438.16000<br> $3438.16000<br> $0.00000 | 78.500% | 66.700% | 83.200% | 91.300% | $2700.10 | $64802.31 |
| 44314902 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | South Carolina | xx | $315654.23 | 6.875% | $2121.38 | $2519.13 | 2025-08-29 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,519.13 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,121.38 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $2522.28 | $2522.28 | $2522.28 | $2522.28 | $2482.95 | $2482.95 | $2482.95 | $2482.95 | $2482.95 | $2482.95 | $2482.95 | $2482.95 | $2482.95 | $2482.95 | $2482.95 | $2482.95 | $2519.13 | $2519.13 | $2519.13 | $2519.13 | $2519.13 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $2522.28000<br> $2522.28000<br> $2522.28000<br> $2522.28000<br> $2482.95000<br> $2482.95000<br> $2482.95000<br> $2482.95000<br> $2482.95000<br> $2482.95000<br> $2482.95000<br> $2482.95000<br> $2482.95000<br> $2482.95000<br> $2482.95000<br> $2482.95000<br> $2519.13000<br> $2519.13000<br> $2519.13000<br> $2519.13000<br> $2519.13000<br> $0.00000<br> $0.00000 | 86.800% | 33.300% | 66.700% | 82.700% | $2186.67 | $52480.17 |
| 59440315 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $771195.36 | 7.250% | $5627.96 | $7630.29 | 2025-08-12 | 2025-11-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $7,630.29 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,627.96 with an interest rate of 7.250%. The current UPB is xx.<br> As per collection comment dated xx/xx/2025, xx/xx/2025 and xx/xx/2025, the payments received in the month of Apr, May and July 2025 are borrower made payments. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $22730.29 | $30360.58 | $0.00 | $35460.58 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $22730.29000<br> $30360.58000<br> $0.00000<br> $35460.58000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.400% | 0.000% | 143.800% | 96.700% | $3689.64 | $88551.45 |
| 67763322 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | $447738.91 | 6.750% | $2919.32 | $3083.30 | 2025-08-22 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,083.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,919.32 with an interest rate of 6.750%. The current UPB, reflected as per the payment history, is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3083.30 | $0.00 | $3083.30 | $3083.30 | $3083.30 | $3083.30 | $3083.30 | $0.00 | $0.00 | 000000 | 000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3083.30000<br> $0.00000<br> $3083.30000<br> $3083.30000<br> $3083.30000<br> $3083.30000<br> $3083.30000<br> $0.00000<br> $0.00000 | 25.000% | 33.300% | 66.700% | 50.000% | $770.83 | $18499.80 |
| 51038293 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | $346810.78 | 5.375% | $1957.60 | $2506.69 | 2025-08-22 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,506.69 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,957.60 with an interest rate of 5.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2506.69 | $2506.69 | $2506.69 | $2506.69 | $2506.69 | $2506.69 | $2506.69 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-08-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2506.69000<br> $2506.69000<br> $2506.69000<br> $2506.69000<br> $2506.69000<br> $2506.69000<br> $2506.69000<br> $0.00000<br> $0.00000 | 29.200% | 33.300% | 66.700% | 58.300% | $731.12 | $17546.83 |
| 50770436 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $230363.12 | 3.750% | $1146.21 | $1643.60 | 2025-08-22 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,643.60 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,146.21 with an interest rate of 3.750%. The current UPB reflected as per the payment history is xx. | $3806.62 | $0.00 | $1306.82 | $1601.38 | $1601.38 | $1601.38 | $1601.38 | $1601.38 | $1601.38 | $1601.38 | $1601.38 | $1601.38 | $1601.38 | $1601.38 | $1601.38 | $1643.60 | $1643.60 | $1643.60 | $1643.60 | $1643.60 | $1643.60 | $1643.60 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $3806.62000<br> $0.00000<br> $1306.82000<br> $1601.38000<br> $1601.38000<br> $1601.38000<br> $1601.38000<br> $1601.38000<br> $1601.38000<br> $1601.38000<br> $1601.38000<br> $1601.38000<br> $1601.38000<br> $1601.38000<br> $1601.38000<br> $1643.60000<br> $1643.60000<br> $1643.60000<br> $1643.60000<br> $1643.60000<br> $1643.60000<br> $1643.60000<br> $0.00000<br> $0.00000 | 90.800% | 33.300% | 66.700% | 82.700% | $1493.13 | $35835.20 |
| 59526778 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $510671.44 | 6.375% | $3242.50 | $4829.84 | 2025-08-22 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,829.84 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,242.50 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4511.00 | $4829.84 | $4829.84 | $0.00 | $0.00 | 000000000000000000 | 000000000000000000 | 2025-08-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4511.00000<br> $4829.84000<br> $4829.84000<br> $0.00000<br> $0.00000 | 70.600% | 33.300% | 64.500% | 78.900% | $3409.82 | $81835.68 |
| 75718748 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $283107.92 | 5.500% | $1635.18 | $1885.90 | 2025-08-22 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,885.90 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,635.18 with an interest rate of 5.500%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1869.91 | $0.00 | $1869.91 | $1869.85 | $1869.91 | $1869.91 | $1869.91 | $1869.91 | $1869.91 | $1869.91 | $1869.91 | $1869.91 | $1869.91 | $1885.90 | $1885.90 | $1885.90 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2025-08-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1869.91000<br> $0.00000<br> $1869.91000<br> $1869.85000<br> $1869.91000<br> $1869.91000<br> $1869.91000<br> $1869.91000<br> $1869.91000<br> $1869.91000<br> $1869.91000<br> $1869.91000<br> $1869.91000<br> $1885.90000<br> $1885.90000<br> $1885.90000<br> $0.00000<br> $0.00000 | 62.100% | 33.300% | 66.500% | 82.800% | $1170.69 | $28096.56 |
| 29326299 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Nebraska | xx | $189440.88 | 6.500% | $1264.14 | $1357.04 | 2025-08-22 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,357.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,264.14 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. The PH dated xx/xx/2025 shows additional principal curtailment in the amount of xxK. As per the comment dated xx/xx/2025, the borrower made this payment. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1357.04 | $1357.04 | $1357.04 | $1357.04 | $1357.04 | $2714.08 | $0.00 | $1357.04 | $1357.04 | $9357.04 | $1357.04 | $1357.04 | $1357.04 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1357.04000<br> $1357.04000<br> $1357.04000<br> $1357.04000<br> $1357.04000<br> $2714.08000<br> $0.00000<br> $1357.04000<br> $1357.04000<br> $9357.04000<br> $1357.04000<br> $1357.04000<br> $1357.04000<br> $0.00000<br> $0.00000 | 78.700% | 33.300% | 164.900% | 132.500% | $1068.40 | $25641.52 |
| 14972893 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $218491.99 | 6.250% | $1374.28 | $1543.71 | 2025-08-22 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,543.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,374.28 with an interest rate of 6.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1611.30 | $1611.30 | $1611.30 | $1611.30 | $1711.30 | $3311.30 | $0.00 | $3485.56 | $1544.56 | $1544.56 | $1544.56 | $1544.56 | $1543.71 | $0.00 | $0.00 | 0000001000000 | 0000001000000 | 2025-08-20 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1611.30000<br> $1611.30000<br> $1611.30000<br> $1611.30000<br> $1711.30000<br> $3311.30000<br> $0.00000<br> $3485.56000<br> $1544.56000<br> $1544.56000<br> $1544.56000<br> $1544.56000<br> $1543.71000<br> $0.00000<br> $0.00000 | 61.200% | 33.300% | 66.700% | 96.300% | $944.80 | $22675.31 |
| 61983988 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $160711.10 | 5.500% | $915.52 | $984.51 | 2025-08-22 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $984.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $915.52 with an interest rate of 5.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $984.51 | $0.00 | $984.51 | $984.51 | $0.00 | $0.00 | 000 | 000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $984.51000<br> $0.00000<br> $984.51000<br> $984.51000<br> $0.00000<br> $0.00000 | 12.500% | 33.300% | 50.000% | 25.000% | $123.06 | $2953.53 |
| 83444069 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Hawaii | xx | $327086.30 | 4.625% | $1748.07 | $2326.11 | 2025-08-20 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,326.11 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,748.07 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | $1810.00 | $1810.00 | $1810.00 | $1810.00 | $1810.00 | $1810.00 | $1810.00 | $1810.00 | $1810.00 | $1810.00 | $3620.00 | $0.00 | $1810.00 | $2326.11 | $2326.11 | $2326.11 | $2326.11 | $2326.11 | $2326.11 | $2326.11 | $2326.11 | $2326.11 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1810.00000<br> $1810.00000<br> $1810.00000<br> $1810.00000<br> $1810.00000<br> $1810.00000<br> $1810.00000<br> $1810.00000<br> $1810.00000<br> $1810.00000<br> $3620.00000<br> $0.00000<br> $1810.00000<br> $2326.11000<br> $2326.11000<br> $2326.11000<br> $2326.11000<br> $2326.11000<br> $2326.11000<br> $2326.11000<br> $2326.11000<br> $2326.11000<br> $0.00000<br> $0.00000 | 79.600% | 33.300% | 66.700% | 81.500% | $1852.71 | $44464.99 |
| 12662781 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $147639.11 | 5.250% | $876.51 | $1346.32 | 2025-08-06 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,346.32 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $876.51 with an interest rate of 5.250%. The current UPB is xx. | $1426.93 | $1840.25 | $1426.93 | $1473.73 | $4203.73 | $1473.73 | $1373.80 | $1373.80 | $1373.80 | $1373.80 | $1373.80 | $1373.80 | $1373.80 | $1373.80 | $1373.80 | $1346.32 | $1346.32 | $1346.32 | $1346.32 | $1346.32 | $1346.32 | $1346.32 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1426.93000<br> $1840.25000<br> $1426.93000<br> $1473.73000<br> $4203.73000<br> $1473.73000<br> $1373.80000<br> $1373.80000<br> $1373.80000<br> $1373.80000<br> $1373.80000<br> $1373.80000<br> $1373.80000<br> $1373.80000<br> $1373.80000<br> $1346.32000<br> $1346.32000<br> $1346.32000<br> $1346.32000<br> $1346.32000<br> $1346.32000<br> $1346.32000<br> $0.00000<br> $0.00000 | 104.100% | 33.300% | 66.700% | 83.800% | $1401.41 | $33633.74 |
| 53216970 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $346117.51 | 4.875% | $3017.58 | $3683.71 | 2025-08-07 | 2025-08-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,683.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,017.58 with an interest rate of 4.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $3518.16 | $3518.16 | $3518.16 | $3518.16 | $3518.16 | $3518.16 | $3518.16 | $3651.35 | $3651.35 | $3651.35 | $3651.35 | $3651.35 | $3651.35 | $7335.06 | $3683.71 | $0.00 | $3683.71 | $3683.71 | $3683.71 | $3683.71 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-07-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $3518.16000<br> $3518.16000<br> $3518.16000<br> $3518.16000<br> $3518.16000<br> $3518.16000<br> $3518.16000<br> $3651.35000<br> $3651.35000<br> $3651.35000<br> $3651.35000<br> $3651.35000<br> $3651.35000<br> $7335.06000<br> $3683.71000<br> $0.00000<br> $3683.71000<br> $3683.71000<br> $3683.71000<br> $3683.71000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.800% | 0.000% | 50.000% | 74.800% | $3012.03 | $72288.83 |
| 46731737 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $368006.31 | 2.625% | $1662.83 | $2884.33 | 2025-08-13 | 2025-10-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,884.33 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,662.83 with an interest rate of 2.625%. The current UPB reflected as per the payment history is xx, and the deferred balance is xx. | $2626.94 | $2626.94 | $2626.94 | $2626.94 | $3006.17 | $3006.17 | $6012.34 | $3006.17 | $3006.17 | $3006.17 | $3006.17 | $3006.17 | $3006.17 | $0.00 | $3006.17 | $3006.17 | $5768.66 | $2884.33 | $2884.33 | $2884.33 | $2884.33 | $2884.33 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2626.94000<br> $2626.94000<br> $2626.94000<br> $2626.94000<br> $3006.17000<br> $3006.17000<br> $6012.34000<br> $3006.17000<br> $3006.17000<br> $3006.17000<br> $3006.17000<br> $3006.17000<br> $3006.17000<br> $0.00000<br> $3006.17000<br> $3006.17000<br> $5768.66000<br> $2884.33000<br> $2884.33000<br> $2884.33000<br> $2884.33000<br> $2884.33000<br> $0.00000<br> $0.00000 | 96.500% | 33.300% | 66.700% | 84.400% | $2782.17 | $66772.11 |
| 6456873 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | $243080.49 | 6.250% | $1523.90 | $1754.08 | 2025-08-20 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $1,754.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,523.90 with an interest rate of 6.250%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $1752.89 | $1752.89 | $1752.89 | $1752.89 | $1752.89 | $1752.89 | $1752.89 | $0.00 | $1752.90 | $1752.90 | $1752.90 | $1752.90 | $1754.08 | $1754.08 | $0.00 | $3508.16 | $0.00 | $5262.24 | $0.00 | $0.00 | $0.00 | 001010000000000000 | 000000000000010100 | 2025-07-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $1752.89000<br> $1752.89000<br> $1752.89000<br> $1752.89000<br> $1752.89000<br> $1752.89000<br> $1752.89000<br> $0.00000<br> $1752.90000<br> $1752.90000<br> $1752.90000<br> $1752.90000<br> $1754.08000<br> $1754.08000<br> $0.00000<br> $3508.16000<br> $0.00000<br> $5262.24000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 83.300% | 83.300% | $1315.02 | $31560.39 |
| 92078312 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $511609.13 | 6.750% | $3321.15 | $3845.46 | 2025-08-20 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,845.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,321.15 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3845.46 | $0.00 | $0.00 | 0 | 0 | 2025-08-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3845.46000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $160.23 | $3845.46 |
| 35845861 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $213557.52 | 5.625% | $1266.42 | $1584.50 | 2025-08-20 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,584.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,266.42 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1534.50 | $1534.50 | $1534.50 | $1534.50 | $1534.50 | $1534.50 | $3584.50 | $4169.00 | $0.00 | $2584.50 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-08-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1534.50000<br> $1534.50000<br> $1534.50000<br> $1534.50000<br> $1534.50000<br> $1534.50000<br> $3584.50000<br> $4169.00000<br> $0.00000<br> $2584.50000<br> $0.00000<br> $0.00000 | 51.400% | 54.400% | 108.700% | 102.800% | $814.38 | $19545.00 |
| 63233668 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $296251.58 | 6.875% | $1972.03 | $2318.70 | 2025-08-21 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,318.70 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,972.03 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2230.14 | $2230.14 | $2230.14 | $2230.14 | $2230.14 | $2230.14 | $2230.14 | $2230.14 | $2318.70 | $2318.70 | $2318.70 | $2318.70 | $2318.70 | $2318.70 | $2318.70 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2230.14000<br> $2230.14000<br> $2230.14000<br> $2230.14000<br> $2230.14000<br> $2230.14000<br> $2230.14000<br> $2230.14000<br> $2318.70000<br> $2318.70000<br> $2318.70000<br> $2318.70000<br> $2318.70000<br> $2318.70000<br> $2318.70000<br> $0.00000<br> $0.00000 | 61.200% | 33.300% | 66.700% | 82.400% | $1419.67 | $34072.02 |
| 64847898 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $400477.01 | 6.125% | $2457.78 | $3090.90 | 2025-08-14 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,090.90 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,457.78 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3090.90 | $0.00 | $3090.90 | $3090.90 | $3090.90 | $3090.90 | $3090.90 | $3090.90 | $3090.90 | $3090.90 | $3090.90 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3090.90000<br> $0.00000<br> $3090.90000<br> $3090.90000<br> $3090.90000<br> $3090.90000<br> $3090.90000<br> $3090.90000<br> $3090.90000<br> $3090.90000<br> $3090.90000<br> $0.00000<br> $0.00000 | 41.700% | 33.300% | 66.700% | 75.000% | $1287.88 | $30909.00 |
| 85943044 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $892452.57 | 6.375% | $5621.07 | $7012.92 | 2025-08-15 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,012.92 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,621.07 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6733.98 | $0.00 | $6733.98 | $6733.98 | $6733.98 | $7278.63 | $7278.63 | $7012.92 | $14025.84 | $0.00 | $7012.92 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-08-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6733.98000<br> $0.00000<br> $6733.98000<br> $6733.98000<br> $6733.98000<br> $7278.63000<br> $7278.63000<br> $7012.92000<br> $14025.84000<br> $0.00000<br> $7012.92000<br> $0.00000<br> $0.00000 | 41.300% | 33.300% | 66.700% | 74.600% | $2897.70 | $69544.86 |
| 88003360 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Kansas | xx | $189215.90 | 6.875% | $1244.06 | $1627.48 | 2025-08-18 | 2025-09-01 | 0 | The loan was originated on xx/xx/2025, and the first payment date is xx/xx/2025. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $1,244.06 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1627.48 | $0.00 | $0.00 | 0 | 0 | 2025-08-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1627.48000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $67.81 | $1627.48 |
| 69513647 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Delaware | xx | $484000.00 | 6.875% | $3179.54 |  | 2025-08-18 | 2025-09-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $3,179.54 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 68783124 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | $32118.32 | 3.875% | $520.37 | $838.37 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $838.37 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $520.37 with an interest rate of 3.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $812.37 | $812.37 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $825.55 | $838.37 | $838.37 | $838.37 | $838.37 | $838.37 | $0.00 | $0.00 | 000000000000000000000004 | 400000000000000000000000 | 2025-08-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $812.37000<br> $812.37000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $825.55000<br> $838.37000<br> $838.37000<br> $838.37000<br> $838.37000<br> $838.37000<br> $0.00000<br> $0.00000 | 78.100% | 33.300% | 66.700% | 82.700% | $655.13 | $15723.19 |
| 54766720 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Oregon | xx | $38789.85 | 10.500% | $399.35 | $399.35 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $399.35, which was applied for the due date of xx/xx/2025. The current P&I is $399.35 with an interest rate of 10.50%. The current UPB reflected as per the payment history is xx. | $0.00 | $399.35 | $399.35 | $399.35 | $399.35 | $399.35 | $399.35 | $399.35 | $399.35 | $399.35 | $399.35 | $399.35 | $399.35 | $399.35 | $424.35 | $399.35 | $399.35 | $399.35 | $449.35 | $399.35 | $399.35 | $399.35 | $0.00 | $0.00 | 000000000000000000000 | 000000000000000000000 | 2025-08-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $399.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $424.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $449.35000<br> $399.35000<br> $399.35000<br> $399.35000<br> $0.00000<br> $0.00000 | 88.300% | 33.300% | 68.800% | 84.900% | $352.56 | $8461.35 |
| 45773391 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $39609.71 | 9.750% | $379.41 | $379.41 | 2025-08-01 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $379.41 (PI), which was applied for the due date of xx/xx/2025. The current P&I is $379.41 and the interest rate is 9.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $758.82 | $379.41 | $379.41 | $379.41 | $379.41 | $379.41 | $0.00 | $0.00 | 0000001 | 1000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $758.82000<br> $379.41000<br> $379.41000<br> $379.41000<br> $379.41000<br> $379.41000<br> $0.00000<br> $0.00000 | 29.200% | 33.300% | 66.700% | 58.300% | $110.66 | $2655.87 |
| 58092476 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Hampshire | xx | $42515.27 | 8.875% | $383.43 | $383.43 | 2025-08-18 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $383.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $383.43 with an interest rate of 8.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $383.43 | $0.00 | $0.00 | $766.86 | $383.43 | $383.43 | $383.30 | $400.00 | $0.00 | $0.00 | 0000010 | 0100000 | 2025-08-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $383.43000<br> $0.00000<br> $0.00000<br> $766.86000<br> $383.43000<br> $383.43000<br> $383.30000<br> $400.00000<br> $0.00000<br> $0.00000 | 29.300% | 34.800% | 67.400% | 58.700% | $112.52 | $2700.45 |
| 92607958 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | North Carolina | xx | $49829.97 | 11.875% | $509.50 | $509.50 | 2025-08-04 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $509.50, which was applied for the due date of xx/xx/2025. The current P&I is $509.50 with an interest rate of 11.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1019.00 | $509.50 | $509.50 | $509.50 | $509.50 | $509.50 | $509.50 | $509.50 | $509.50 | $509.50 | $0.00 | $0.00 | 00000000001 | 10000000000 | 2025-08-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1019.00000<br> $509.50000<br> $509.50000<br> $509.50000<br> $509.50000<br> $509.50000<br> $509.50000<br> $509.50000<br> $509.50000<br> $509.50000<br> $0.00000<br> $0.00000 | 45.800% | 33.300% | 66.700% | 91.700% | $233.52 | $5604.50 |
| 61665450 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | $53597.92 | 10.625% | $543.67 | $543.67 | 2025-08-04 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $543.67 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $543.67 with an interest rate of 10.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $543.67 | $543.67 | $543.67 | $543.67 | $543.67 | $543.67 | $0.00 | $0.00 | 000000 | 000000 | 2025-08-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $543.67000<br> $543.67000<br> $543.67000<br> $543.67000<br> $543.67000<br> $543.67000<br> $0.00000<br> $0.00000 | 25.000% | 33.300% | 66.700% | 50.000% | $135.92 | $3262.02 |
| 43212686 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Kansas | xx | $61574.37 | 4.100% | $419.42 | $972.76 | 2025-08-04 | 2025-09-12 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $972.76 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $419.42 with an interest rate of 4.10%. The current UPB reflected as per the payment history is xx. | $1884.30 | $942.15 | $0.00 | $1884.30 | $0.00 | $1187.24 | $1187.24 | $1187.24 | $2374.48 | $0.00 | $1187.24 | $2374.48 | $0.00 | $1187.24 | $1187.24 | $1187.24 | $1187.24 | $972.76 | $972.76 | $972.76 | $972.76 | $972.76 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1884.30000<br> $942.15000<br> $0.00000<br> $1884.30000<br> $0.00000<br> $1187.24000<br> $1187.24000<br> $1187.24000<br> $2374.48000<br> $0.00000<br> $1187.24000<br> $2374.48000<br> $0.00000<br> $1187.24000<br> $1187.24000<br> $1187.24000<br> $1187.24000<br> $972.76000<br> $972.76000<br> $972.76000<br> $972.76000<br> $972.76000<br> $0.00000<br> $0.00000 | 102.000% | 33.300% | 66.700% | 82.300% | $992.56 | $23821.43 |
| 87151898 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Nevada | xx | $63922.14 | 9.250% | $595.31 | $595.31 | 2025-07-31 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $595.31 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $595.31 with an interest rate of 9.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $595.31 | $595.31 | $0.00 | $0.00 | $1785.93 | $595.31 | $595.31 | $595.31 | $1190.62 | $595.31 | $0.00 | $0.00 | $0.00 | 00000002100 | 00120000000 | 2025-07-29 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $595.31000<br> $595.31000<br> $0.00000<br> $0.00000<br> $1785.93000<br> $595.31000<br> $595.31000<br> $595.31000<br> $1190.62000<br> $595.31000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 66.700% | 83.300% | $272.85 | $6548.41 |
| 37641924 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Indiana | xx | $69053.84 | 4.625% | $471.98 | $690.20 | 2025-08-08 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $690.20 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $471.98 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | $769.02 | $769.02 | $769.02 | $769.02 | $769.02 | $769.02 | $769.02 | $769.02 | $769.02 | $936.94 | $936.94 | $683.56 | $683.56 | $683.56 | $683.56 | $683.56 | $683.56 | $683.56 | $683.56 | $683.56 | $683.56 | $690.20 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $769.02000<br> $769.02000<br> $769.02000<br> $769.02000<br> $769.02000<br> $769.02000<br> $769.02000<br> $769.02000<br> $769.02000<br> $936.94000<br> $936.94000<br> $683.56000<br> $683.56000<br> $683.56000<br> $683.56000<br> $683.56000<br> $683.56000<br> $683.56000<br> $683.56000<br> $683.56000<br> $683.56000<br> $690.20000<br> $0.00000<br> $0.00000 | 98.500% | 33.300% | 66.200% | 82.600% | $680.04 | $16320.86 |
| 72388679 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $71976.47 | 4.490% | $649.81 | $1187.82 | 2025-08-12 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1187.82 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $649.81 with an interest rate of 4.490%. The current UPB reflected as per the payment history is xx. | $944.10 | $2444.98 | $0.00 | $1222.49 | $1222.49 | $1222.49 | $2599.24 | $0.00 | $1222.49 | $2444.98 | $0.00 | $1222.90 | $2444.98 | $1222.49 | $1094.36 | $0.00 | $1094.36 | $1187.82 | $2375.64 | $0.00 | $1187.82 | $1187.82 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-12 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $944.10000<br> $2444.98000<br> $0.00000<br> $1222.49000<br> $1222.49000<br> $1222.49000<br> $2599.24000<br> $0.00000<br> $1222.49000<br> $2444.98000<br> $0.00000<br> $1222.90000<br> $2444.98000<br> $1222.49000<br> $1094.36000<br> $0.00000<br> $1094.36000<br> $1187.82000<br> $2375.64000<br> $0.00000<br> $1187.82000<br> $1187.82000<br> $0.00000<br> $0.00000 | 92.400% | 33.300% | 66.700% | 82.800% | $1097.56 | $26341.45 |
| 14213201 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | $84259.57 | 7.125% | $570.51 | $988.53 | 2025-08-13 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $988.53 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $570.51 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $988.53 | $988.53 | $988.53 | $0.00 | $0.00 | 000MMM | MMM000 | 2025-08-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $988.53000<br> $988.53000<br> $988.53000<br> $0.00000<br> $0.00000 | 12.500% | 33.300% | 50.000% | 25.000% | $123.57 | $2965.59 |
| 32370440 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $95562.13 | 3.500% | $464.19 | $1023.60 | 2025-08-01 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx(PITI), which was applied for the due date of xx/xx/2025. The current P&I isxx with an interest rate ofxx. The current UPB reflected as per the payment history is xx. | $939.37 | $939.37 | $939.37 | $939.37 | $939.37 | $939.37 | $1007.83 | $1007.83 | $1007.83 | $1007.83 | $1007.83 | $1007.83 | $1007.83 | $1007.83 | $1007.83 | $1007.83 | $1007.83 | $1007.83 | $1023.60 | $1023.60 | $1023.60 | $1023.60 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $939.37000<br> $939.37000<br> $939.37000<br> $939.37000<br> $939.37000<br> $939.37000<br> $1007.83000<br> $1007.83000<br> $1007.83000<br> $1007.83000<br> $1007.83000<br> $1007.83000<br> $1007.83000<br> $1007.83000<br> $1007.83000<br> $1007.83000<br> $1007.83000<br> $1007.83000<br> $1023.60000<br> $1023.60000<br> $1023.60000<br> $1023.60000<br> $0.00000<br> $0.00000 | 88.800% | 33.300% | 66.700% | 82.600% | $909.36 | $21824.58 |
| 48920455 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | $125096.23 | 2.125% | $1071.31 | $1297.00 | 2025-08-15 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $xx (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $xx with an interest rate of xx%. The current UPB reflected as per the payment history is xx | $1071.31 | $1071.31 | $1071.31 | $1071.31 | $1071.31 | $1071.31 | $1071.31 | $1071.31 | $1071.31 | $1314.12 | $1314.12 | $1314.12 | $1314.12 | $1314.12 | $1314.12 | $1314.12 | $1314.12 | $1297.00 | $1297.00 | $1297.00 | $1297.00 | $1297.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1071.31000<br> $1071.31000<br> $1071.31000<br> $1071.31000<br> $1071.31000<br> $1071.31000<br> $1071.31000<br> $1071.31000<br> $1071.31000<br> $1314.12000<br> $1314.12000<br> $1314.12000<br> $1314.12000<br> $1314.12000<br> $1314.12000<br> $1314.12000<br> $1314.12000<br> $1297.00000<br> $1297.00000<br> $1297.00000<br> $1297.00000<br> $1297.00000<br> $0.00000<br> $0.00000 | 85.600% | 33.300% | 66.700% | 83.900% | $1109.99 | $26639.75 |
| 89928376 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $130489.47 | 3.250% | $617.56 | $1789.80 | 2025-08-18 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,789.80 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $617.56 with an interest rate of 3.250%. The current UPB reflected as per the payment history is $xx | $1345.74 | $1345.74 | $1345.74 | $1671.88 | $1540.04 | $1540.04 | $1540.04 | $1540.04 | $1540.04 | $1540.04 | $1540.04 | $1540.04 | $1540.04 | $1540.04 | $1540.04 | $1789.80 | $1789.80 | $1789.80 | $1789.80 | $1789.80 | $1789.80 | $1789.80 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1345.74000<br> $1345.74000<br> $1345.74000<br> $1671.88000<br> $1540.04000<br> $1540.04000<br> $1540.04000<br> $1540.04000<br> $1540.04000<br> $1540.04000<br> $1540.04000<br> $1540.04000<br> $1540.04000<br> $1540.04000<br> $1540.04000<br> $1789.80000<br> $1789.80000<br> $1789.80000<br> $1789.80000<br> $1789.80000<br> $1789.80000<br> $1789.80000<br> $0.00000<br> $0.00000 | 81.900% | 33.300% | 66.700% | 79.800% | $1465.76 | $35178.14 |
| 93479326 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Louisiana | xx | $136406.63 | 3.250% | $509.73 | $1088.77 | 2025-08-14 | 2025-08-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,088.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $509.73 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1590.72 | $795.36 | $1590.72 | $0.00 | $1088.77 | $1088.77 | $0.00 | $0.00 | $0.00 | 004444444444444444444444 | 444444444444444444444400 | 2025-07-30 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1590.72000<br> $795.36000<br> $1590.72000<br> $0.00000<br> $1088.77000<br> $1088.77000<br> $0.00000<br> $0.00000<br> $0.00000 | 23.600% | 0.000% | 33.300% | 47.100% | $256.43 | $6154.34 |
| 86902726 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $149451.42 | 6.500% | $1545.17 | $1545.17 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,545.17 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,545.17 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $xx. | $1545.17 | $1545.17 | $1545.17 | $0.00 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $1545.17 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1545.17000<br> $1545.17000<br> $1545.17000<br> $0.00000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $1545.17000<br> $0.00000<br> $0.00000 | 87.500% | 33.300% | 66.700% | 83.300% | $1352.02 | $32448.57 |
| 56592617 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $181943.38 | 2.750% | $839.32 | $1813.49 | 2025-08-01 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,813.49 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $839.32 with an interest rate of 2.750%. The current UPB reflected as per the payment history is xx. | $1530.48 | $1530.48 | $1530.48 | $1530.48 | $1533.28 | $1533.28 | $1533.28 | $1533.28 | $1533.28 | $1533.28 | $1533.28 | $1533.28 | $1533.28 | $1533.28 | $1533.28 | $1533.28 | $1813.49 | $1813.49 | $1813.49 | $1813.49 | $1813.49 | $1813.49 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1530.48000<br> $1530.48000<br> $1530.48000<br> $1530.48000<br> $1533.28000<br> $1533.28000<br> $1533.28000<br> $1533.28000<br> $1533.28000<br> $1533.28000<br> $1533.28000<br> $1533.28000<br> $1533.28000<br> $1533.28000<br> $1533.28000<br> $1533.28000<br> $1813.49000<br> $1813.49000<br> $1813.49000<br> $1813.49000<br> $1813.49000<br> $1813.49000<br> $0.00000<br> $0.00000 | 81.300% | 33.300% | 66.700% | 78.200% | $1475.09 | $35402.22 |
| 36932357 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $217523.37 | 2.875% | $986.61 | $1417.79 | 2025-08-14 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,417.79 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $986.61 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1368.71 | $1368.71 | $1368.71 | $1368.71 | $1368.71 | $1368.71 | $1368.71 | $1368.71 | $1368.71 | $1368.71 | $1368.71 | $1417.79 | $1417.79 | $0.00 | $0.00 | 0000000000000MMMMMMMMMMM | MMMMMMMMMMM0000000000000 | 2025-08-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1368.71000<br> $1368.71000<br> $1368.71000<br> $1368.71000<br> $1368.71000<br> $1368.71000<br> $1368.71000<br> $1368.71000<br> $1368.71000<br> $1368.71000<br> $1368.71000<br> $1417.79000<br> $1417.79000<br> $0.00000<br> $0.00000 | 52.600% | 33.300% | 65.500% | 81.000% | $745.47 | $17891.39 |
| 38194326 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Hawaii | xx | $268623.06 | 3.250% | $1000.73 | $1000.73 | 2025-07-31 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. We are unable to determine the last payment received. The current P&I is $1,000.73 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. The due dates were advanced from xx/xx/2009 to xx/xx/2025 due to modification. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 44444444M444444444444444 | 444444444444444M44444444 |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 33009478 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | $309909.41 | 6.125% | $1913.97 | $2274.31 | 2025-08-15 | 2025-09-01 | 0 | According to history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,274.31 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,913.97 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2224.25 | $2224.25 | $2224.25 | $2224.25 | $2224.25 | $2224.25 | $2224.25 | $2224.25 | $2224.25 | $2224.25 | $2224.25 | $2224.25 | $4548.62 | $0.00 | $2274.31 | $2274.31 | $2274.31 | $0.00 | $0.00 | 00000000000000000 | 00000000000000000 | 2025-08-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2224.25000<br> $2224.25000<br> $2224.25000<br> $2224.25000<br> $2224.25000<br> $2224.25000<br> $2224.25000<br> $2224.25000<br> $2224.25000<br> $2224.25000<br> $2224.25000<br> $2224.25000<br> $4548.62000<br> $0.00000<br> $2274.31000<br> $2274.31000<br> $2274.31000<br> $0.00000<br> $0.00000 | 69.700% | 33.300% | 50.000% | 82.400% | $1585.94 | $38062.55 |
| 60966442 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Maryland | xx | $491068.12 | 6.375% | $3102.20 | $3735.09 | 2025-08-13 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,735.09 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,102.20 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3708.09 | $7416.18 | $3708.09 | $3708.09 | $3708.09 | $3708.09 | $3708.09 | $3708.09 | $3708.09 | $3708.09 | $3708.09 | $3735.09 | $0.00 | $0.00 | 0000000000011 | 1100000000000 | 2025-08-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3708.09000<br> $7416.18000<br> $3708.09000<br> $3708.09000<br> $3708.09000<br> $3708.09000<br> $3708.09000<br> $3708.09000<br> $3708.09000<br> $3708.09000<br> $3708.09000<br> $3735.09000<br> $0.00000<br> $0.00000 | 53.800% | 33.300% | 66.300% | 82.800% | $2009.67 | $48232.17 |
| 34034068 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Minnesota | xx | $24154.89 | 9.535% | $210.85 | $210.85 | 2025-07-31 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $210.85 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $210.85 with an interest rate of 9.535%. The current UPB reflected as per the payment history is xx. As per the comment dated xx/xx/2024, the stated rate and P&I were adjusted from 9.75% to 9.535% and $214.79 to $210.85. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3862.28 | $210.85 | $0.00 | $421.70 | $210.85 | $210.85 | $210.85 | $210.85 | $210.85 | $210.85 | $210.85 | $0.00 | $0.00 | $0.00 | 0000000000MMMMMMMMMMMMMM | MMMMMMMMMMMMMM0000000000 | 2025-07-21 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3862.28000<br> $210.85000<br> $0.00000<br> $421.70000<br> $210.85000<br> $210.85000<br> $210.85000<br> $210.85000<br> $210.85000<br> $210.85000<br> $210.85000<br> $0.00000<br> $0.00000<br> $0.00000 | 118.000% | 0.000% | 50.000% | 75.000% | $248.78 | $5970.78 |
| 44409011 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $187577.66 | 6.875% | $1245.21 | $1738.88 | 2025-08-13 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,738.88 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,245.21 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1738.88 | $1738.88 | $1738.88 | $1738.88 | $1738.88 | $1738.88 | $1738.88 | $1738.88 | $1738.88 | $1738.88 | $1738.88 | $1738.88 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-08-13 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1738.88000<br> $1738.88000<br> $1738.88000<br> $1738.88000<br> $1738.88000<br> $1738.88000<br> $1738.88000<br> $1738.88000<br> $1738.88000<br> $1738.88000<br> $1738.88000<br> $1738.88000<br> $0.00000<br> $0.00000 | 50.000% | 33.300% | 66.700% | 83.300% | $869.44 | $20866.56 |
| 84082664 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $228714.11 | 6.625% | $1479.12 | $1798.33 | 2025-08-13 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,798.33 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,479.12 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2098.33 | $0.00 | $2098.33 | $1798.33 | $1800.00 | $1798.33 | $1798.33 | $1798.33 | $1798.33 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-08-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2098.33000<br> $0.00000<br> $2098.33000<br> $1798.33000<br> $1800.00000<br> $1798.33000<br> $1798.33000<br> $1798.33000<br> $1798.33000<br> $0.00000<br> $0.00000 | 34.700% | 33.300% | 66.700% | 69.500% | $624.51 | $14988.31 |
| 80570835 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $427094.08 | 7.125% | $2903.73 | $3401.06 | 2025-08-18 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,401.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,903.73 with an interest rate of 7.1250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3401.06 | $3401.06 | $3401.06 | $3401.06 | $3401.06 | $3401.06 | $3401.06 | $3401.06 | $3401.06 | $3401.06 | $3401.06 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-08-18 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3401.06000<br> $3401.06000<br> $3401.06000<br> $3401.06000<br> $3401.06000<br> $3401.06000<br> $3401.06000<br> $3401.06000<br> $3401.06000<br> $3401.06000<br> $3401.06000<br> $0.00000<br> $0.00000 | 45.800% | 33.300% | 66.700% | 83.300% | $1558.82 | $37411.66 |
| 70995562 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Washington | xx | $240326.06 | 7.875% | $1748.40 | $1748.40 | 2025-08-15 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,748.40, which was applied for the due date of xx/xx/2025. The current P&I is $1,748.40 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1748.40 | $1748.40 | $1748.40 | $1748.40 | $0.00 | $0.00 | 0000 | 0000 | 2025-08-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1748.40000<br> $1748.40000<br> $1748.40000<br> $1748.40000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 66.700% | 33.300% | $291.40 | $6993.60 |
| 49787843 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $749219.36 | 9.250% | $6170.07 | $7453.50 | 2025-08-17 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,453.50 (PITI), which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,170.07 with an interest rate of 9.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7453.50 | $7453.50 | $0.00 | $0.00 | 00 | 00 | 2025-08-12 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7453.50000<br> $7453.50000<br> $0.00000<br> $0.00000 | 8.300% | 33.300% | 33.300% | 16.700% | $621.13 | $14907.00 |
| 85625450 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $406380.75 | 7.000% | $2708.11 | $3425.18 | 2025-08-17 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,425.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,708.11 with an interest rate of 7.000%. The current UPB reflected as per the payment history is $xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3425.18 | $3425.18 | $0.00 | $0.00 | 00 | 00 | 2025-08-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3425.18000<br> $3425.18000<br> $0.00000<br> $0.00000 | 8.300% | 33.300% | 33.300% | 16.700% | $285.43 | $6850.36 |
| 5843941 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | $78815.97 | 8.000% | $588.85 | $998.35 | 2025-08-11 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $998.35 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $588.85 with an interest rate of 8.000%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $691.47 | $691.47 | $691.47 | $691.47 | $741.47 | $741.47 | $741.47 | $741.47 | $741.47 | $691.47 | $741.47 | $741.47 | $741.47 | $1048.35 | $1048.35 | $998.35 | $998.35 | $0.00 | $0.00 | 00000000000000000 | 00000000000000000 | 2025-08-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $691.47000<br> $691.47000<br> $691.47000<br> $691.47000<br> $741.47000<br> $741.47000<br> $741.47000<br> $741.47000<br> $741.47000<br> $691.47000<br> $741.47000<br> $741.47000<br> $741.47000<br> $1048.35000<br> $1048.35000<br> $998.35000<br> $998.35000<br> $0.00000<br> $0.00000 | 56.300% | 33.300% | 68.300% | 70.900% | $561.77 | $13482.51 |
| 202247 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | $251524.64 | 3.375% | $1211.34 | $1760.93 | 2025-08-26 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,760.93 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,211.34 with an interest rate of 3.375%. The current UPB reflected is $xx. | $1652.72 | $1652.72 | $1652.72 | $0.00 | $3348.98 | $0.00 | $1674.49 | $1674.49 | $3348.98 | $0.00 | $3348.98 | $1674.49 | $0.00 | $3674.49 | $2000.00 | $2250.00 | $2000.00 | $2000.00 | $0.00 | $2000.00 | $4000.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-07-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1652.72000<br> $1652.72000<br> $1652.72000<br> $0.00000<br> $3348.98000<br> $0.00000<br> $1674.49000<br> $1674.49000<br> $3348.98000<br> $0.00000<br> $3348.98000<br> $1674.49000<br> $0.00000<br> $3674.49000<br> $2000.00000<br> $2250.00000<br> $2000.00000<br> $2000.00000<br> $0.00000<br> $2000.00000<br> $4000.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.800% | 0.000% | 56.800% | 84.800% | $1581.38 | $37953.06 |
| 8374409 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Virginia | xx | $1347617.39 | 6.625% | $8797.15 | $8797.16 | 2025-08-26 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,797.16 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $8,797.15 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $9786.07 | $9800.00 | $9786.07 | $9786.07 | $9786.07 | $9786.07 | $9372.69 | $9372.69 | $9372.69 | $8797.16 | $8797.16 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-07-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $9786.07000<br> $9800.00000<br> $9786.07000<br> $9786.07000<br> $9786.07000<br> $9786.07000<br> $9372.69000<br> $9372.69000<br> $9372.69000<br> $8797.16000<br> $8797.16000<br> $0.00000<br> $0.00000 | 49.500% | 33.300% | 68.800% | 89.700% | $4351.78 | $104442.74 |
| 73177649 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Alabama | xx | $1256096.46 | 3.125% | $5767.20 | $5767.20 | 2025-08-26 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,767.20 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,767.20 with an interest rate of 3.125%. The current UPB reflected as per the payment history is xx. | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $5767.20 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $5767.20000<br> $0.00000<br> $0.00000 | 91.700% | 33.300% | 66.700% | 83.300% | $5286.60 | $126878.40 |
| 13070873 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $181106.92 | 6.875% | $1210.72 | $1641.68 | 2025-08-26 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,641.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,210.72 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $1587.08 | $1587.08 | $1587.08 | $1637.08 | $1687.08 | $1637.08 | $1637.08 | $1637.08 | $1587.08 | $1612.08 | $1587.08 | $1637.08 | $1619.27 | $1666.68 | $1666.68 | $1666.68 | $1666.68 | $1641.68 | $0.00 | $0.00 | 000000000000000000 | 000000000000000000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1587.08000<br> $1587.08000<br> $1587.08000<br> $1637.08000<br> $1687.08000<br> $1637.08000<br> $1637.08000<br> $1637.08000<br> $1587.08000<br> $1612.08000<br> $1587.08000<br> $1637.08000<br> $1619.27000<br> $1666.68000<br> $1666.68000<br> $1666.68000<br> $1666.68000<br> $1641.68000<br> $0.00000<br> $0.00000 | 74.500% | 33.300% | 67.400% | 83.000% | $1222.82 | $29347.63 |
| 99360091 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $74147.63 | 6.375% | $467.90 | $705.35 | 2025-08-26 | 2025-10-01 | 0 | According to history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $705.35 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $467.90 with an interest rate of 6.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $805.35 | $805.35 | $755.35 | $755.35 | $755.35 | $705.35 | $705.35 | $0.00 | $0.00 | 000000 | 000000 | 2025-08-20 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $805.35000<br> $805.35000<br> $755.35000<br> $755.35000<br> $755.35000<br> $705.35000<br> $705.35000<br> $0.00000<br> $0.00000 | 31.200% | 33.300% | 69.000% | 62.500% | $220.31 | $5287.45 |
| 54245808 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $205839.32 | 3.250% | $994.53 | $1661.63 | 2025-08-26 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,661.63 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $994.53 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | $1606.88 | $1606.88 | $1549.71 | $1549.71 | $1549.71 | $1549.71 | $1549.71 | $1549.71 | $1549.71 | $1549.71 | $1549.71 | $1549.71 | $1549.71 | $1549.71 | $1661.63 | $1661.63 | $1661.63 | $1661.63 | $1661.63 | $1661.63 | $1661.63 | $1661.63 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-08-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $1606.88000<br> $1606.88000<br> $1549.71000<br> $1549.71000<br> $1549.71000<br> $1549.71000<br> $1549.71000<br> $1549.71000<br> $1549.71000<br> $1549.71000<br> $1549.71000<br> $1549.71000<br> $1549.71000<br> $1549.71000<br> $1661.63000<br> $1661.63000<br> $1661.63000<br> $1661.63000<br> $1661.63000<br> $1661.63000<br> $1661.63000<br> $1661.63000<br> $0.00000<br> $0.00000 | 88.000% | 33.300% | 66.700% | 82.200% | $1462.64 | $35103.32 |
| 45078933 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Iowa | xx | $198362.00 | 7.750% | $1588.11 | $2100.00 | 2025-09-17 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,100.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,588.11 with an interest rate of 7.750%. The current UPB reflected as per the payment history tape data is $xx The current UPB is not mentioned in the latest PH. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2092.38 | $2030.38 | $2030.38 | $2030.38 | $2030.38 | $2130.38 | $2130.38 | $2130.38 | $23188.88 | $2130.38 | $2100.00 | $2100.00 | $0.00 | 000000000000 | 000000000000 | 2025-09-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2092.38000<br> $2030.38000<br> $2030.38000<br> $2030.38000<br> $2030.38000<br> $2130.38000<br> $2130.38000<br> $2130.38000<br> $23188.88000<br> $2130.38000<br> $2100.00000<br> $2100.00000<br> $0.00000 | 91.500% | 66.700% | 251.200% | 174.700% | $1921.85 | $46124.30 |
| 76522937 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $753734.62 | 7.500% | $5286.06 | $5286.06 | 2025-08-27 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,286.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,286.06 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5286.06 | $5286.06 | $5286.06 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-07-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5286.06000<br> $5286.06000<br> $5286.06000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $660.76 | $15858.18 |
| 22888458 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $484181.84 | 7.500% | $3387.69 | $4392.17 | 2025-08-27 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,392.17 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,387.69 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4392.17 | $4392.17 | $4392.17 | $4392.17 | $4392.17 | $0.00 | $8784.34 | $4392.17 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-07-29 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4392.17000<br> $4392.17000<br> $4392.17000<br> $4392.17000<br> $4392.17000<br> $0.00000<br> $8784.34000<br> $4392.17000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 50.000% | 66.700% | $1464.06 | $35137.36 |
| 51295485 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New Jersey | xx | $246252.43 | 3.375% | $939.31 | $2096.76 | 2025-08-11 | 2025-09-01 | 0 | According to the tape as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,096.76 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $939.31 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $xx and deferred balance $xx. The due dates were advanced from xx/xx/2023 to xx/xx/2025 due to a modification. | $0.00 | $1779.82 | $1779.82 | $1779.82 | $0.00 | $1779.82 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1779.82 | $0.00 | $1779.82 | $3369.18 | $0.00 | $1684.59 | $2096.76 | $0.00 | $0.00 | 000044444444444444444444 | 444444444444444444440000 | 2025-08-07 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $1779.82000<br> $1779.82000<br> $1779.82000<br> $0.00000<br> $1779.82000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1779.82000<br> $0.00000<br> $1779.82000<br> $3369.18000<br> $0.00000<br> $1684.59000<br> $2096.76000<br> $0.00000<br> $0.00000 | 35.400% | 33.300% | 56.800% | 42.600% | $742.89 | $17829.45 |
| 12838571 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $147000.00 | 7.750% | $949.38 | $1891.13 | 2025-09-03 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,891.13 (PITI), which was applied for the due date of xx/xx/2025. The current monthly payment is $949.38 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx. The loan is interest-only for 120 months. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1891.13 | $1891.13 | $1891.13 | $0.00 | 000 | 000 | 2025-09-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1891.13000<br> $1891.13000<br> $1891.13000<br> $0.00000 | 12.500% | 66.700% | 50.000% | 25.000% | $236.39 | $5673.39 |
| 5952089 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $684292.45 | 7.000% | $4016.25 | $4016.25 | 2025-08-26 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,016.25 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,016.25 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $16065.00 | $4016.25 | $0.00 | $4016.25 | $8032.50 | $0.00 | $4016.25 | $4016.25 | $4016.25 | $8032.50 | $0.00 | $0.00 | 000000000001 | 100000000000 | 2025-08-25 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $16065.00000<br> $4016.25000<br> $0.00000<br> $4016.25000<br> $8032.50000<br> $0.00000<br> $4016.25000<br> $4016.25000<br> $4016.25000<br> $8032.50000<br> $0.00000<br> $0.00000 | 54.200% | 66.700% | 83.300% | 108.300% | $2175.47 | $52211.25 |
| 86876802 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Florida | xx | $177513.69 | 6.490% | $1123.91 | $1720.04 | 2025-08-26 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,720.04 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,123.91 with an interest rate of 6.490%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1720.04 | $1720.04 | $1720.04 | $0.00 | $0.00 | 000 | 000 | 2025-08-05 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1720.04000<br> $1720.04000<br> $1720.04000<br> $0.00000<br> $0.00000 | 12.500% | 33.300% | 50.000% | 25.000% | $215.01 | $5160.12 |
| 13839218 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Vermont | xx | $308496.42 | 6.990% | $2052.05 | $2718.07 | 2025-08-27 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,718.07 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,052.05 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2750.00 | $0.00 | $0.00 | 0 | 0 | 2025-08-27 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2750.00000<br> $0.00000<br> $0.00000 | 4.200% | 33.700% | 16.900% | 8.400% | $114.58 | $2750.00 |
| 62575185 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Ohio | xx | $197099.12 | 6.875% | $1298.09 | $1725.08 | 2025-08-26 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,725.08 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,298.09 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5175.24 | $0.00 | $0.00 | 021 | 120 | 2025-08-14 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5175.24000<br> $0.00000<br> $0.00000 | 12.500% | 100.000% | 50.000% | 25.000% | $215.64 | $5175.24 |
| 97015239 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Iowa | xx | $254069.38 | 6.625% | $1645.92 | $2201.40 | 2025-08-11 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,201.40 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,645.92 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4402.80 | $0.00 | $2201.40 | $4402.80 | $2201.40 | $2201.40 | $2201.40 | $2201.40 | $2201.40 | $2201.40 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-07-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4402.80000<br> $0.00000<br> $2201.40000<br> $4402.80000<br> $2201.40000<br> $2201.40000<br> $2201.40000<br> $2201.40000<br> $2201.40000<br> $2201.40000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 50.000% | 75.000% | $1008.98 | $24215.40 |
| 30390231 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | $520050.64 | 6.375% | $3256.60 | $4375.58 | 2025-08-29 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,375.58 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,256.60 with an interest rate of 6.375%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4375.58 | $0.00 | $4375.58 | $4375.58 | $4375.58 | $0.00 | $0.00 | 0000 | 0000 | 2025-08-01 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4375.58000<br> $0.00000<br> $4375.58000<br> $4375.58000<br> $4375.58000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 50.000% | 33.300% | $729.26 | $17502.32 |
| 71854129 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Oregon | xx | $129259.23 | 7.125% | $875.83 | $1254.43 | 2025-09-04 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,254.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $875.83 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1254.43 | $1254.43 | $1254.43 | $0.00 | $1254.43 | $1254.43 | $1254.43 | $1254.43 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-08-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1254.43000<br> $1254.43000<br> $1254.43000<br> $0.00000<br> $1254.43000<br> $1254.43000<br> $1254.43000<br> $1254.43000<br> $0.00000<br> $0.00000 | 29.200% | 33.300% | 66.700% | 58.300% | $365.88 | $8781.01 |
| 74531322 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $366110.50 | 7.875% | $2679.49 | $3730.97 | 2025-09-22 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,730.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,679.49 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3299.09 | $0.00 | $6598.18 | $3299.09 | $3681.84 | $3681.84 | $0.00 | $7363.68 | $0.00 | $3681.84 | $3681.84 | $3681.84 | $3730.97 | $3730.97 | $0.00 | 0000000000000 | 0000000000000 | 2025-09-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3299.09000<br> $0.00000<br> $6598.18000<br> $3299.09000<br> $3681.84000<br> $3681.84000<br> $0.00000<br> $7363.68000<br> $0.00000<br> $3681.84000<br> $3681.84000<br> $3681.84000<br> $3730.97000<br> $3730.97000<br> $0.00000 | 51.900% | 66.700% | 82.700% | 81.600% | $1934.63 | $46431.18 |
| 35333119 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Texas | xx | $580050.00 | 8.125% | $4306.85 |  | 2025-08-24 | 2025-09-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to the tape as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB reflected as per the tape is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 81072296 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | South Dakota | xx | $173146.54 | 6.750% | $1127.22 | $1502.80 | 2025-09-04 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,502.80 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,127.22 with an interest rate of 6.750%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1600.00 | $1600.00 | $1502.80 | $0.00 | $0.00 | 000 | 000 | 2025-08-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1600.00000<br> $1600.00000<br> $1502.80000<br> $0.00000<br> $0.00000 | 13.000% | 33.300% | 52.200% | 26.100% | $195.95 | $4702.80 |
| 2658486 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $313193.70 | 6.625% | $2025.62 | $2542.78 | 2025-09-09 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,542.78 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,025.62 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2542.78 | $2542.78 | $2542.78 | $2542.78 | $2542.78 | $2542.78 | $2542.78 | $2542.78 | $2542.78 | $2542.78 | $2542.78 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-08-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2542.78000<br> $2542.78000<br> $2542.78000<br> $2542.78000<br> $2542.78000<br> $2542.78000<br> $2542.78000<br> $2542.78000<br> $2542.78000<br> $2542.78000<br> $2542.78000<br> $0.00000<br> $0.00000 | 45.800% | 33.300% | 66.700% | 83.300% | $1165.44 | $27970.58 |
| 33190685 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Georgia | xx | $261146.85 | 6.990% | $1794.50 | $2450.89 | 2025-09-09 | 2025-09-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,450.89 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,794.50 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2402.76 | $2402.76 | $2402.76 | $2402.76 | $2402.76 | $2402.76 | $2450.89 | $0.00 | $2450.89 | $2450.89 | $2450.89 | $2450.89 | $0.00 | 11110000000MMMMMMMMMMMMM | MMMMMMMMMMMMM00000001111 | 2025-09-08 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2402.76000<br> $2402.76000<br> $2402.76000<br> $2402.76000<br> $2402.76000<br> $2402.76000<br> $2450.89000<br> $0.00000<br> $2450.89000<br> $2450.89000<br> $2450.89000<br> $2450.89000<br> $0.00000 | 45.300% | 66.700% | 66.700% | 82.500% | $1111.29 | $26671.01 |
| 38948910 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Illinois | xx | $374254.85 | 7.625% | $2677.23 | $3410.51 | 2025-09-11 | 2025-10-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,410.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,677.23 with an interest rate of 7.625%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3402.73 | $3402.73 | $3402.73 | $3402.73 | $3402.73 | $3402.73 | $3410.51 | $3410.51 | $3410.51 | $6821.02 | $0.00 | $3410.51 | $3410.51 | $3410.51 | $0.00 | 00000000000000 | 00000000000000 | 2025-09-10 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3402.73000<br> $3402.73000<br> $3402.73000<br> $3402.73000<br> $3402.73000<br> $3402.73000<br> $3410.51000<br> $3410.51000<br> $3410.51000<br> $6821.02000<br> $0.00000<br> $3410.51000<br> $3410.51000<br> $3410.51000<br> $0.00000 | 58.300% | 66.700% | 83.300% | 91.600% | $1987.52 | $47700.46 |
| 32283883 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $219653.38 | 6.000% | $1324.95 | $2323.73 | 2025-09-04 | 2025-11-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,323.73 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,324.95 with an interest rate of 6.000%. The current UPB reflected as per the payment history is $xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2323.73 | $4647.46 | $2323.73 | $2323.73 | $2323.73 | $0.00 | 00000 | 00000 | 2025-09-02 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2323.73000<br> $4647.46000<br> $2323.73000<br> $2323.73000<br> $2323.73000<br> $0.00000 | 25.000% | 66.700% | 100.000% | 50.000% | $580.93 | $13942.38 |
| 13859581 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Arizona | xx | $218046.36 | 6.750% | $1420.43 | $1624.68 | 2025-09-04 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,624.68 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,420.43 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1624.88 | $1624.68 | $1624.68 | $1624.68 | $1624.68 | $0.00 | $0.00 | 00000 | 00000 | 2025-08-15 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1624.88000<br> $1624.68000<br> $1624.68000<br> $1624.68000<br> $1624.68000<br> $0.00000<br> $0.00000 | 20.800% | 33.300% | 66.700% | 41.700% | $338.48 | $8123.60 |
| 33101773 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | $248988.43 | 7.125% | $1684.30 | $1684.30 | 2025-09-04 | 2025-09-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,684.30 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,684.30 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1684.30 | $1684.30 | $1684.30 | $1684.30 | $1684.30 | $0.00 | $0.00 | 00000 | 00000 | 2025-08-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1684.30000<br> $1684.30000<br> $1684.30000<br> $1684.30000<br> $1684.30000<br> $0.00000<br> $0.00000 | 20.800% | 33.300% | 66.700% | 41.700% | $350.90 | $8421.50 |
| 14411089 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | $239580.00 | 6.750% | $1553.91 | $1553.91 | 2025-08-26 | 2025-10-01 | 0 | The loan was originated on xx/xx/2025, with the first payment date on xx/xx/2025. According to tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $1,553.91 with an interest rate of 6.750%. The current UPB reflected as per the tape data is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 23453325 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Michigan | xx | $806500.00 | 8.490% | $6195.57 |  | 2025-08-27 | 2025-10-01 | 0 | The loan was originated on xx/xx/2025, and the first payment is due on xx/xx/2025. According to payment history as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $6,195.57 with an interest rate of 8.490%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 32014728 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | California | xx | $621438.44 | 7.125% | $4210.74 | $4210.74 | 2025-09-08 | 2025-10-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,210.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,210.74 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4210.74 | $0.00 | $4210.74 | $4210.74 | $4210.74 | $4210.74 | $4210.74 | $4210.74 | $0.00 | 0000000 | 0000000 | 2025-09-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4210.74000<br> $0.00000<br> $4210.74000<br> $4210.74000<br> $4210.74000<br> $4210.74000<br> $4210.74000<br> $4210.74000<br> $0.00000 | 29.200% | 66.700% | 83.300% | 58.300% | $1228.13 | $29475.18 |
| 42818815 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | $97039.48 | 4.652% | $461.08 | $965.83 | 2024-12-31 | 2025-01-01 | 0 | Review of payment history as of dated xx/xx/2018 shows that the borrower is not making regular payments. The loan payments are delinquent from 9 months. The next due date is xx/xx/2017. The last payment was received on xx/xx/2018 which was applied for the due date xx/xx/2017 in the total amount of $965.83. The current unpaid principal balance as per payment history is in the amount of xx with current interest rate of 4.62500% and P&I in the amount of $461.08. | $680.29 | $2341.45 | $695.14 | $0.00 | $0.00 | $1531.64 | $836.50 | $836.50 | $836.50 | $836.50 | $836.50 | $1673.00 | $836.50 | $836.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444444321444 | 444123444444 | 2024-12-11 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $680.29000<br> $2341.45000<br> $695.14000<br> $0.00000<br> $0.00000<br> $1531.64000<br> $836.50000<br> $836.50000<br> $836.50000<br> $836.50000<br> $836.50000<br> $1673.00000<br> $836.50000<br> $836.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 55.100% | 0.000% | 0.000% | 14.400% | $532.38 | $12777.02 |
| 64197038 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $507976.69 | 7.150% | $1997.60 | $3779.54 | 2025-01-06 | 2025-01-20 | 0 | Review of updated payment history shows that the subject loan is in delinquency for more than 120 days. The borrower is not making his monthly payments. The last payment received date is not available. Payment history reflects the P&I in the amount of $1,997.60 with interest rate of 7.150%. The next due date is xx/xx/2013. The unpaid principal balance reflected as of the date is xx. Borrower is making the payments according to the original note terms. | $4225.83 | $8700.21 | $4474.38 | $4474.38 | $4474.38 | $8948.76 | $4474.38 | $4474.38 | $82065.42 | $5847.55 | $0.00 | $11695.10 | $0.00 | $5847.55 | $5847.55 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444444444444 | 444444444444 | 2025-01-06 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $4225.83000<br> $8700.21000<br> $4474.38000<br> $4474.38000<br> $4474.38000<br> $8948.76000<br> $4474.38000<br> $4474.38000<br> $82065.42000<br> $5847.55000<br> $0.00000<br> $11695.10000<br> $0.00000<br> $5847.55000<br> $5847.55000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 171.500% | 0.000% | 0.000% | 25.800% | $6481.24 | $155549.87 |
| 31965587 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Kentucky | xx | $85641.02 | 6.000% | $692.77 | $893.81 | 2024-12-31 | 2024-12-01 | 0 | The review of payment history shows that the borrower has been delinquent for 22 months and next due date for payment is xx/xx/2016. The last payment was received on xx/xx/2018 in the amount of $692.77 which was applied for xx/xx/2016. The UPB is reflected in the latest payment history in the amount of xx. The Current P&I is $692.77 and PITI is $893.81.The borrower has been making payments as per the modification | $900.00 | $900.00 | $900.00 | $0.00 | $896.93 | $0.00 | $2695.07 | $900.00 | $900.00 | $0.00 | $896.93 | $900.00 | $935.06 | $935.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444444444444 | 444444444444 | 2024-12-31 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $900.00000<br> $900.00000<br> $900.00000<br> $0.00000<br> $896.93000<br> $0.00000<br> $2695.07000<br> $900.00000<br> $900.00000<br> $0.00000<br> $896.93000<br> $900.00000<br> $935.06000<br> $935.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.800% | 0.000% | 0.000% | 17.400% | $489.96 | $11759.05 |
| 23485945 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | Pennsylvania | xx | $123288.31 | 4.500% | $564.13 | $767.93 | 2024-12-31 | 2025-02-01 | 0 | According to the payment history as of dated xx/xx/2018 , the borrower is delinquent for 4 months. The last payment received was in the amount of $564.13 on xx/xx/2018 for due date xx/xx/2018. The next due date is xx/xx/2018. Current UPB reflects in the provided payment history is in the amount of xx and current interest rate as per payment history tape data is 4.500 %. Borrower had paid his amount as per the modification agreement made on dated xx/xx/2017. | $879.26 | $800.00 | $925.00 | $3804.72 | $1902.36 | $951.18 | $0.00 | $951.18 | $0.00 | $2899.32 | $1993.92 | $0.00 | $2101.15 | $996.96 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444400110000 | 000011004444 | 2024-12-20 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $879.26000<br> $800.00000<br> $925.00000<br> $3804.72000<br> $1902.36000<br> $951.18000<br> $0.00000<br> $951.18000<br> $0.00000<br> $2899.32000<br> $1993.92000<br> $0.00000<br> $2101.15000<br> $996.96000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 98.800% | 0.000% | 0.000% | 33.600% | $758.54 | $18205.05 |
| 10418409 | xx | Full Review | xx | xx | xx | xx |  |  | xx | xx | New York | xx | $118276.08 | 7.000% | $851.59 | $1418.78 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2018, the borrower is currently delinquent for 38 months. The last payment was received on xx/xx/2018, the payment applied date was xx/xx/2010 and the next due date for payment is xx/xx/2010. The P&I is in the amount of $851.59 and PITI is in the amount of $1,418.78. The UPB reflected as per the payment history is in the amount of xx.<br> The borrower has been making payments as per the note agreement.<br> Payment history is incomplete, Payment history is missing from the date xx/xx/2018 to xx/xx/2018. | $2962.29 | $1433.05 | $2866.10 | $1433.05 | $4299.15 | $1433.05 | $1433.05 | $1433.05 | $1433.05 | $1433.31 | $1433.31 | $1433.31 | $1433.31 | $1433.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444444444444 | 444444444444 | 2024-12-16 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $2962.29000<br> $1433.05000<br> $2866.10000<br> $1433.05000<br> $4299.15000<br> $1433.05000<br> $1433.05000<br> $1433.05000<br> $1433.05000<br> $1433.31000<br> $1433.31000<br> $1433.31000<br> $1433.31000<br> $1433.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.000% | 0.000% | 0.000% | 16.800% | $1078.85 | $25892.39 |
| 99296260 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | $74771.82 | 7.560% | $603.85 | $809.16 | 2024-12-31 | 2024-12-01 | 0 | Provided payment history as of xx/xx/2018, reveals that the loan is performing. The next due date for the payment is xx/xx/2018. The borrower is making regular payments as per loan modification. The last payment of xx/xx/2018 was received on xx/xx/2018 in the amount of $809.16. According to the payment history the current unpaid principal balance is being reflected in the amount of xx. | $0.00 | $888.40 | $888.40 | $888.40 | $1776.80 | $888.40 | $888.40 | $1010.72 | $888.69 | $0.00 | $1807.38 | $930.65 | $0.00 | $930.65 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000010100011 | 110001010000 | 2024-12-04 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $888.40000<br> $888.40000<br> $888.40000<br> $1776.80000<br> $888.40000<br> $888.40000<br> $1010.72000<br> $888.69000<br> $0.00000<br> $1807.38000<br> $930.65000<br> $0.00000<br> $930.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 60.700% | 0.000% | 0.000% | 9.600% | $491.12 | $11786.89 |
| 77007757 | xx | Full Review | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | $169685.87 | 6.250% | $1174.79 | $1765.67 | 2017-05-17 | 2016-07-01 | 10 | As per the review of the payment history, the borrower is currently delinquent for more than 120 days and next due is for xx/xx/2016. The last payment was received on xx/xx/2017 in the amount of $1,765.67 which was applied to xx/xx/2016. The UPB is reflected in the payment history in the amount of xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444444432144 | 441234444444 | 2017-05-03 | 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025<br> 6/1/2025<br> 7/1/2025<br> 8/1/2025<br> 9/1/2025<br> 10/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan Number** | **Review Type** | **Loan Number 2** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Agency Grade** | **Final Overall Credit Grade** | **Final Overall Compliance Grade** | **Final Overall Property Grade** | **DBRS INITIAL Overall Agency Grade** | **DBRS FINAL Overall Agency Grade** | **DBRS INITIAL Credit Grade** | **DBRS FINAL Credit Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **DBRS INITIAL Property Grade** | **DBRS FINAL Property Grade** | **FITCH INITIAL Overall Agency Grade** | **FITCH FINAL Overall Agency Grade** | **FITCH INITIAL Credit Grade** | **FITCH FINAL Credit Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **FITCH INITIAL Property Grade** | **FITCH FINAL Property Grade** | **KROLL INITIAL Overall Agency Grade** | **KROLL FINAL Overall Agency Grade** | **KROLL INITIAL Credit Grade** | **KROLL FINAL Credit Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **KROLL INITIAL Property Grade** | **KROLL FINAL Property Grade** | **MOODY's INITIAL Overall Agency Grade** | **MOODY's FINAL Overall Agency Grade** | **MOODY's INITIAL Credit Grade** | **MOODY's FINAL Credit Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **MOODY's INITIAL Property Grade** | **MOODY's FINAL Property Grade** | **S&P INITIAL Overall Agency Grade** | **S&P FINAL Overall Agency Grade** | **S&P INITIAL Credit Grade** | **S&P FINAL Credit Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| 50221095 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 27113785 | xx | Full Review | xx | xx | Nevada | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 31324657 | xx | Full Review | xx | xx | Indiana | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 59426649 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 25803003 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 85774183 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 42563086 | xx | Full Review | xx | xx | Massachusetts | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 80392639 | xx | Full Review | xx | xx | Maryland | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 86419025 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 67025928 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 89235971 | xx | Full Review | xx | xx | Michigan | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 45958159 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 97204794 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 19166552 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 33991650 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 34835937 | xx | Full Review | xx | xx | New York | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 97466157 | xx | Full Review | xx | xx | Minnesota | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 77607804 | xx | Full Review | xx | xx | Texas | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 68432185 | xx | Full Review | xx | xx | Wisconsin | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 43340293 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 91199706 | xx | Full Review | xx | xx | Indiana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 27371279 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2407639 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 65202694 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 12255483 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 33849650 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 22581063 | xx | Full Review | xx | xx | Texas | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 46215225 | xx | Full Review | xx | xx | Tennessee | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 96207443 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 99443005 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 52390121 | xx | Full Review | xx | xx | Indiana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 70291779 | xx | Full Review | xx | xx | Ohio | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 84944536 | xx | Full Review | xx | xx | South Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 58429763 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 15768167 | xx | Full Review | xx | xx | Indiana | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 97555270 | xx | Full Review | xx | xx | Hawaii | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 24819760 | xx | Full Review | xx | xx | Tennessee | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 8998069 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 61736947 | xx | Full Review | xx | xx | Connecticut | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 36652369 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 6537761 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 92517580 | xx | Full Review | xx | xx | Iowa | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 81662071 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 31129508 | xx | Full Review | xx | xx | Louisiana | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 17938942 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 11804953 | xx | Full Review | xx | xx | Michigan | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 3787740 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 37630697 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 71330845 | xx | Full Review | xx | xx | New York | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 39951703 | xx | Full Review | xx | xx | New York | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 10474012 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 59148084 | xx | Full Review | xx | xx | Michigan | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 77429620 | xx | Full Review | xx | xx | New York | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 83977130 | xx | Full Review | xx | xx | Kansas | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 19724366 | xx | Full Review | xx | xx | Indiana | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 43989345 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 44905089 | xx | Full Review | xx | xx | Louisiana | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 83394159 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 47632888 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 82543083 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 88668600 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 49865359 | xx | PH+SC | xx |  | Texas |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 49944974 | xx | PH+SC | xx |  | Florida |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 93070892 | xx | PH+SC | xx |  | Florida |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40515420 | xx | PH+SC | xx |  | Indiana |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64512543 | xx | PH+SC | xx |  | Ohio |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 59179749 | xx | Full Review | xx | xx | Massachusetts | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 98087022 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 37827243 | xx | PH+SC | xx |  | North Carolina |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 2439689 | xx | PH+SC | xx |  | Florida |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75876619 | xx | PH+SC | xx |  | Ohio |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 95961456 | xx | PH+SC | xx |  | Georgia |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 61391818 | xx | PH+SC | xx |  | Oklahoma |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 7257675 | xx | PH+SC | xx |  | New Jersey |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25424346 | xx | PH+SC | xx |  | Oklahoma |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80016767 | xx | PH+SC | xx |  | Georgia |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 31508663 | xx | PH+SC | xx |  | Florida |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46812468 | xx | PH+SC | xx |  | Florida |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 27242715 | xx | Full Review | xx | xx | Connecticut | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 80699508 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 82753703 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 99950993 | xx | Full Review | xx | xx | California | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 51694012 | xx | Full Review | xx | xx | Minnesota | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 69239139 | xx | Full Review | xx | xx | Florida | xx | Secondary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 93660730 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 58990040 | xx | Full Review | xx | xx | Wisconsin | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 88704636 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 71082710 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 53363047 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 28389387 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 98773672 | xx | Full Review | xx | xx | Nevada | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 19905377 | xx | Full Review | xx | xx | Delaware | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 40017386 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 68807844 | xx | Full Review | xx | xx | Florida | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2418852 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 86976110 | xx | Full Review | xx | xx | South Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 99103814 | xx | Full Review | xx | xx | North Carolina | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 48643502 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 84503027 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 78182473 | xx | Full Review | xx | xx | South Carolina | xx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 65103796 | xx | Full Review | xx | xx | Hawaii | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 50000137 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 9054551 | xx | Full Review | xx | xx | California |  | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 79954568 | xx | Full Review | xx | xx | Tennessee | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 37489065 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 29215770 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 30094426 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 70779114 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 88093504 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 3989533 | xx | Full Review | xx | xx | Michigan |  | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 78907455 | xx | Full Review | xx | xx | Florida | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 60165707 | xx | Full Review | xx | xx | Ohio | xx | Investor | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 84897208 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 4400059 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 22894473 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 80329411 | xx | Full Review | xx | xx | Massachusetts | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 47405436 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 90890319 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 54445191 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 23338011 | xx | Full Review | xx | xx | Illinois | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 74396219 | xx | Full Review | xx | xx | Nevada | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 29115619 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 53793807 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 86520903 | xx | Full Review | xx | xx | South Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 41208254 | xx | Full Review | xx | xx | Utah | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 70641304 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 90887377 | xx | Full Review | xx | xx | Florida | xx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 59247936 | xx | Full Review | xx | xx | South Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 76594568 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 979963 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 91845125 | xx | Full Review | xx | xx | Washington | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 69032486 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 64866345 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 89735378 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 54753893 | xx | Full Review | xx | xx | Florida | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 9872831 | xx | Full Review | xx | xx | Kansas | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 67319538 | xx | Full Review | xx | xx | New Mexico | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 30347019 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 83276164 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 2939142 | xx | Full Review | xx | xx | Minnesota | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 29888281 | xx | Full Review | xx | xx | Indiana | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 24326020 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 87796655 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 72399250 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 67650614 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 20470637 | xx | Full Review | xx | xx | Tennessee | xx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 34495642 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 45738889 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 80397909 | xx | Full Review | xx | xx | New Jersey | xx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 89202876 | xx | Full Review | xx | xx | Massachusetts | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 20161434 | xx | Full Review | xx | xx | Washington | xx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 13844752 | xx | Full Review | xx | xx | Tennessee | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 63770822 | xx | Full Review | xx | xx | Oregon | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 44952876 | xx | Full Review | xx | xx | Oregon | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 20227256 | xx | Full Review | xx | xx | Texas | xx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 58315345 | xx | Full Review | xx | xx | Texas | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 94178458 | xx | Full Review | xx | xx | Texas | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 17613596 | xx | Full Review | xx | xx | Texas | xx | Secondary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 3892009 | xx | Full Review | xx | xx | Texas | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 80776836 | xx | Full Review | xx | xx | Texas | xx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 85473183 | xx | Full Review | xx | xx | Texas | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 40414106 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 56901931 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 90904264 | xx | Full Review | xx | xx | Washington | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 30333759 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 42418865 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 35388201 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 98150393 | xx | Full Review | xx | xx | Texas | xx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 45861332 | xx | Full Review | xx | xx | Michigan | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 72635247 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 19836704 | xx | Full Review | xx | xx | Florida | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 93225547 | xx | Full Review | xx | xx | Texas | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 1242380 | xx | Full Review | xx | xx | Texas | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 7478239 | xx | Full Review | xx | xx | New Hampshire | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 85884767 | xx | Full Review | xx | xx | Tennessee | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 31780887 | xx | Full Review | xx | xx | Louisiana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 4492226 | xx | Full Review | xx | xx | Oregon | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 42104064 | xx | Full Review | xx | xx | Wisconsin | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 44103608 | xx | Full Review | xx | xx | Ohio | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 15325847 | xx | Full Review | xx | xx | Minnesota | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 81846725 | xx | Full Review | xx | xx | Missouri | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 87066932 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 79570821 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 41334581 | xx | Full Review | xx | xx | Indiana | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 66379612 | xx | PH+SC | xx |  | Pennsylvania |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80526506 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15490519 | xx | PH+SC | xx |  | Florida |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42065190 | xx | PH+SC | xx |  | Texas |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 70895249 | xx | PH+SC | xx |  | Missouri |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 76765761 | xx | PH+SC | xx |  | Kentucky |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35642927 | xx | PH+SC | xx |  | Colorado |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13606535 | xx | PH+SC | xx |  | Ohio |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 48044661 | xx | PH+SC | xx |  | Missouri |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 72784459 | xx | PH+SC | xx |  | Georgia |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55162702 | xx | PH+SC | xx |  | Michigan |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 7786582 | xx | PH+SC | xx |  | New Mexico |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38777601 | xx | PH+SC | xx |  | Texas |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50525329 | xx | PH+SC | xx |  | Florida |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13460206 | xx | PH+SC | xx |  | Georgia |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68950451 | xx | PH+SC | xx |  | New York |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 62039033 | xx | PH+SC | xx |  | Florida |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 52837569 | xx | PH+SC | xx |  | Idaho |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45132357 | xx | PH+SC | xx |  | Florida |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 95889099 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47150026 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 5541655 | xx | Full Review | xx | xx | Alabama | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 87071217 | xx | Full Review | xx | xx | New Hampshire | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 67144492 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 46524787 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 72377820 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 15491375 | xx | Full Review | xx | xx | Florida | xx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 9701364 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 18989559 | xx | Full Review | xx | xx | Washington | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 55274651 | xx | Full Review | xx | xx | Colorado | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 18480992 | xx | Full Review | xx | xx | Utah | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 28319698 | xx | Full Review | xx | xx | Mississippi | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 80835173 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30117721 | xx | PH+SC | xx |  | Maryland |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80678524 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 88841052 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 92126130 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 48191907 | xx | PH+SC | xx |  | Oregon |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36422884 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15449726 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 37799853 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34050905 | xx | PH+SC | xx |  | Pennsylvania |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 88351707 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68302828 | xx | PH+SC | xx |  | Texas |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 48217410 | xx | PH+SC | xx |  | Maryland |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34164413 | xx | PH+SC | xx |  | Ohio |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42415115 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13048411 | xx | PH+SC | xx |  | Arizona |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38610796 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 57003348 | xx | PH+SC | xx |  | Texas |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 54423672 | xx | PH+SC | xx |  | Texas |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 51946107 | xx | PH+SC | xx |  | New Jersey |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1220884 | xx | PH+SC | xx |  | Ohio |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 89743638 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40187040 | xx | PH+SC | xx |  | California |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 51436757 | xx | PH+SC | xx |  | Texas |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 21121444 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 26351345 | xx | Full Review | xx | xx | Colorado | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 49628471 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 19460922 | xx | Full Review | xx | xx | Minnesota | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 3713966 | xx | Full Review | xx | xx | Oregon | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 885383 | xx | Full Review | xx | xx | Illinois | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 76142283 | xx | Full Review | xx | xx | Nevada | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 44197074 | xx | Full Review | xx | xx | Massachusetts | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 91617355 | xx | Full Review | xx | xx | New Hampshire | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 34609541 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 7040976 | xx | Full Review | xx | xx | Florida | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 62979401 | xx | Full Review | xx | xx | Tennessee | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 24236870 | xx | Full Review | xx | xx | Indiana | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 93491709 | xx | Full Review | xx | xx | Tennessee | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 98654647 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 71391026 | xx | Full Review | xx | xx | Montana | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 85468985 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 73298876 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 38815515 | xx | Full Review | xx | xx | Oklahoma | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 52837292 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 22221607 | xx | Full Review | xx | xx | Tennessee | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 39801482 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 51568114 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 95730970 | xx | Full Review | xx | xx | Washington D.C. | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 61093992 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 50231522 | xx | Full Review | xx | xx | Utah | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 70651965 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 40898815 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 89315053 | xx | Full Review | xx | xx | Louisiana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 90103154 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 98914713 | xx | Full Review | xx | xx | Nevada | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 30936735 | xx | Full Review | xx | xx | Kentucky | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 18306735 | xx | Full Review | xx | xx | Washington | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 99136714 | xx | Full Review | xx | xx | Colorado | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 92304988 | xx | Full Review | xx | xx | Florida | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 15443640 | xx | Full Review | xx | xx | Arizona |  | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 52310334 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 30552383 | xx | Full Review | xx | xx | California | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 16683127 | xx | Full Review | xx | xx | Maryland | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 40449299 | xx | Full Review | xx | xx | Michigan | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 91991097 | xx | Full Review | xx | xx | Washington | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 95645654 | xx | Full Review | xx | xx | Nevada | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 41954300 | xx | Full Review | xx | xx | Arkansas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 46654775 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 91459689 | xx | Full Review | xx | xx | Oregon | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 64878014 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 40520368 | xx | Full Review | xx | xx | New Jersey | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 30226207 | xx | Full Review | xx | xx | Florida | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 84553886 | xx | Full Review | xx | xx | Missouri | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 2336866 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 64908005 | xx | Full Review | xx | xx | Florida | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 15825453 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 72304677 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 60081522 | xx | Full Review | xx | xx | Minnesota | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 43561624 | xx | Full Review | xx | xx | New Jersey | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 61933046 | xx | Full Review | xx | xx | Montana | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 87541294 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 8660357 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 11101253 | xx | Full Review | xx | xx | Florida | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 69187773 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 59418757 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 60381650 | xx | Full Review | xx | xx | Tennessee | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 33921466 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 30526366 | xx | Full Review | xx | xx | Rhode Island | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 36181032 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 91426616 | xx | Full Review | xx | xx | Virginia | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 87382448 | xx | Full Review | xx | xx | New York | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 26269042 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 312288 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 58971973 | xx | Full Review | xx | xx | California | xx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 55677809 | xx | Full Review | xx | xx | Colorado | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 94835262 | xx | Full Review | xx | xx | Virginia | xx | Secondary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 78624083 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 39077992 | xx | Full Review | xx | xx | Oregon | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 61841367 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 48266026 | xx | Full Review | xx | xx | Illinois | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 82536029 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 98188280 | xx | Full Review | xx | xx | Alabama | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 38378364 | xx | Full Review | xx | xx | Texas | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 87711656 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 20231853 | xx | Full Review | xx | xx | Alabama | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 21549700 | xx | Full Review | xx | xx | Georgia | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 1876273 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 96251177 | xx | Full Review | xx | xx | Washington | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 93187727 | xx | Full Review | xx | xx | Missouri | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 54397484 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 71705448 | xx | Full Review | xx | xx | Connecticut | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 14997377 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 60259135 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 60185017 | xx | Full Review | xx | xx | Kentucky | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 34774897 | xx | Full Review | xx | xx | Virginia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 47200754 | xx | Full Review | xx | xx | Illinois | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 51376445 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 28469188 | xx | Full Review | xx | xx | Texas | xx | Investor | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 86827273 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 60944501 | xx | Full Review | xx | xx | South Carolina | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 96123780 | xx | Full Review | xx | xx | South Carolina | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 98105933 | xx | Full Review | xx | xx | Utah | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 88917352 | xx | Full Review | xx | xx | New York | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 93142424 | xx | Full Review | xx | xx | Florida | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 55339345 | xx | Full Review | xx | xx | Arizona | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 7441384 | xx | Full Review | xx | xx | Virginia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 36543890 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 18850564 | xx | Full Review | xx | xx | Kentucky | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 25706119 | xx | Full Review | xx | xx | Florida | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 92924970 | xx | Full Review | xx | xx | Massachusetts | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 34983504 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 29108645 | xx | Full Review | xx | xx | Alabama | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 30942786 | xx | Full Review | xx | xx | Ohio | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 57370727 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 20938482 | xx | Full Review | xx | xx | North Carolina | xx | Secondary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 82506197 | xx | Full Review | xx | xx | Arizona | xx | Secondary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 43569883 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 64478869 | xx | Full Review | xx | xx | Tennessee | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96947215 | xx | Full Review | xx | xx | Tennessee | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 33324399 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 66771078 | xx | Full Review | xx | xx | Ohio | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 15117448 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2841102 | xx | Full Review | xx | xx | Texas | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96471325 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 88685070 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 3138367 | xx | Full Review | xx | xx | Nevada | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 97094098 | xx | Full Review | xx | xx | Utah | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 53475663 | xx | Full Review | xx | xx | Michigan | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 71513519 | xx | Full Review | xx | xx | California | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 85717515 | xx | Full Review | xx | xx | South Carolina | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 50563811 | xx | Full Review | xx | xx | Texas | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 18707034 | xx | Full Review | xx | xx | Texas | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 12947718 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 36317596 | xx | Full Review | xx | xx | Maryland | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 71727756 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 41894805 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 14341499 | xx | Full Review | xx | xx | Florida | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 31600002 | xx | Full Review | xx | xx | South Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 55578074 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 17295318 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 20936028 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 60367351 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 97239580 | xx | Full Review | xx | xx | Georgia | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 35673386 | xx | Full Review | xx | xx | Illinois | xx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 72456269 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2204392 | xx | Full Review | xx | xx | Michigan | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 29834616 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 76353748 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 79395966 | xx | Full Review | xx | xx | Texas | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 85759334 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 72279047 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 91425417 | xx | Full Review | xx | xx | Texas | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 16171239 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 17546819 | xx | Full Review | xx | xx | Nevada | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 5363453 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 21123716 | xx | Full Review | xx | xx | South Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 15583430 | xx | Full Review | xx | xx | Florida | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 45600212 | xx | Full Review | xx | xx | Illinois | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 19295155 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 6705153 | xx | Full Review | xx | xx | Iowa | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2281418 | xx | Full Review | xx | xx | Minnesota | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 91095835 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 66008438 | xx | Full Review | xx | xx | Washington | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 22182269 | xx | Full Review | xx | xx | Indiana | xx | Investor | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 75937575 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 66990287 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 93641432 | xx | Full Review | xx | xx | Delaware | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 33600191 | xx | Full Review | xx | xx | Connecticut | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 55012143 | xx | Full Review | xx | xx | Illinois | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 38158658 | xx | Full Review | xx | xx | Florida | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 14679119 | xx | Full Review | xx | xx | Maryland | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 27248531 | xx | Full Review | xx | xx | New Jersey | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 3600870 | xx | Full Review | xx | xx | Washington | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 31519475 | xx | Full Review | xx | xx | Massachusetts | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 30034381 | xx | Full Review | xx | xx | Connecticut | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 64907885 | xx | Full Review | xx | xx | Connecticut | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 77581508 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 73718584 | xx | Full Review | xx | xx | Washington | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 65349874 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 58965256 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 69025683 | xx | Full Review | xx | xx | Virginia | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 6277106 | xx | Full Review | xx | xx | Maryland | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 16119274 | xx | Full Review | xx | xx | Illinois | xx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 12019959 | xx | Full Review | xx | xx | Oklahoma | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 80707808 | xx | Full Review | xx | xx | Florida | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 69212071 | xx | PH+SC | xx |  | North Carolina |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 43549143 | xx | PH+SC | xx |  | Massachusetts |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5080780 | xx | PH+SC | xx |  | Florida |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 48221426 | xx | PH+SC | xx |  | New York |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63415662 | xx | PH+SC | xx |  | Connecticut |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 18474123 | xx | Full Review | xx | xx | Nebraska | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 63089864 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 9153510 | xx | Full Review | xx | xx | Alabama | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 39773827 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 29254067 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 24665485 | xx | Full Review | xx | xx | Louisiana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 1362087 | xx | Full Review | xx | xx | Louisiana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 58653767 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 53499301 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 85749302 | xx | Full Review | xx | xx | Louisiana | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 40851282 | xx | Full Review | xx | xx | Louisiana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 37413523 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 21328762 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 13273768 | xx | Full Review | xx | xx | Idaho | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 39559542 | xx | Full Review | xx | xx | Oklahoma | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2792562 | xx | Full Review | xx | xx | Texas | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 85205751 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 93116387 | xx | Full Review | xx | xx | Michigan | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 67958033 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 39410952 | xx | Full Review | xx | xx | Maryland | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 28270712 | xx | Full Review | xx | xx | Utah | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 36616793 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 50946257 | xx | Full Review | xx | xx | Colorado | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 46236260 | xx | Full Review | xx | xx | Colorado | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 58093354 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 75263161 | xx | Full Review | xx | xx | Washington D.C. | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 87332234 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 3474660 | xx | Full Review | xx | xx | Virginia | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 93799404 | xx | Full Review | xx | xx | Indiana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 38797513 | xx | Full Review | xx | xx | Massachusetts | xx | Investor | Refinance | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 35973583 | xx | Full Review | xx | xx | Kentucky | xx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 26820404 | xx | Full Review | xx | xx | Florida | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 97661630 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 98478217 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 32380238 | xx | Full Review | xx | xx | Virginia | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 79043529 | xx | Full Review | xx | xx | Michigan | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 95574869 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 25432886 | xx | Full Review | xx | xx | Michigan | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 72774715 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 99329844 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 34343409 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 70350498 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 27678535 | xx | Full Review | xx | xx | Florida | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 18323198 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 45810620 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 34133007 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 50845 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 69649019 | xx | Full Review | xx | xx | California | xx | Investor | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 90959756 | xx | Full Review | xx | xx | Tennessee | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 62996461 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 80270620 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 64465876 | xx | Full Review | xx | xx | Nebraska | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 64284543 | xx | Full Review | xx | xx | Oregon | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 9284325 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 32332279 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 86079882 | xx | Full Review | xx | xx | New Mexico | xx | Investor | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 96310635 | xx | Full Review | xx | xx | Oregon | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 78730462 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 74904297 | xx | Full Review | xx | xx | Washington | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 13126270 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 9873756 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 52359356 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 6899322 | xx | Full Review | xx | xx | Hawaii | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 43710661 | xx | Full Review | xx | xx | Utah | xx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 32747925 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 18283891 | xx | Full Review | xx | xx | Florida | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 34128026 | xx | Full Review | xx | xx | Colorado | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 74687683 | xx | Full Review | xx | xx | Wisconsin | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 76432362 | xx | Full Review | xx | xx | Maryland | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 75612857 | xx | Full Review | xx | xx | Massachusetts | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 80918686 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 26297952 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 90872536 | xx | Full Review | xx | xx | Colorado | xx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 67388695 | xx | Full Review | xx | xx | Arizona | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 7681932 | xx | Full Review | xx | xx | Texas | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 18543314 | xx | Full Review | xx | xx | Virgin Islands | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 66779458 | xx | Full Review | xx | xx | Illinois | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 69265790 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 33448494 | xx | Full Review | xx | xx | Georgia | xx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 68202224 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 10733642 | xx | Full Review | xx | xx | North Carolina | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 93753087 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 99082286 | xx | Full Review | xx | xx | Ohio | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 28670293 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 70832195 | xx | Full Review | xx | xx | California | xx | Investor | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 22386848 | xx | Full Review | xx | xx | Maryland | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 14709174 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 87327273 | xx | Full Review | xx | xx | Arizona | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 2756447 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 45223881 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 98305910 | xx | Full Review | xx | xx | Nevada | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 88632479 | xx | Full Review | xx | xx | Maryland | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 83351643 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 26870157 | xx | Full Review | xx | xx | New York | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 32133307 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 8959042 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 16646572 | xx | Full Review | xx | xx | Alabama | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 85284068 | xx | Full Review | xx | xx | Virginia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 94546363 | xx | Full Review | xx | xx | Maine | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 72358090 | xx | Full Review | xx | xx | Nevada | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 66541855 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 81459425 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 57708724 | xx | Full Review | xx | xx | Illinois | xx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 18551306 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 13346232 | xx | Full Review | xx | xx | New Jersey | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2482655 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 26264159 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 97037733 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 11591641 | xx | Full Review | xx | xx | Louisiana | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 81543544 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 84771774 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 30681035 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 91797210 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 73791171 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 63818890 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 97529682 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 39584241 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 13711105 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 93870426 | xx | Full Review | xx | xx | South Dakota | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 9247462 | xx | Full Review | xx | xx | New Mexico | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 94426195 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 96067290 | xx | Full Review | xx | xx | Maryland | xx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 44662741 | xx | Full Review | xx | xx | Missouri | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 66141842 | xx | Full Review | xx | xx | Arkansas | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 4001034 | xx | Full Review | xx | xx | Missouri | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 56244522 | xx | Full Review | xx | xx | Washington | xx | Secondary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 54667359 | xx | Full Review | xx | xx | Arkansas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 17287033 | xx | Full Review | xx | xx | Wisconsin | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 12109729 | xx | Full Review | xx | xx | Nevada | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 34582585 | xx | Full Review | xx | xx | Oregon | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 67093147 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 29326625 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 13117218 | xx | Full Review | xx | xx | Nevada | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 83609043 | xx | Full Review | xx | xx | Utah | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 2258623 | xx | Full Review | xx | xx | Minnesota | xx | Primary | Refinance | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 33899175 | xx | Full Review | xx | xx | Missouri | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 1217703 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 40503872 | xx | Full Review | xx | xx | Oregon | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 1959403 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 58252341 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 2408176 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 29288958 | xx | Full Review | xx | xx | Delaware | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 84855733 | xx | Full Review | xx | xx | Virginia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 31849445 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 47302897 | xx | Full Review | xx | xx | Tennessee | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 91929530 | xx | Full Review | xx | xx | Maryland | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 68652783 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 57343810 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 84663590 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 48872697 | xx | Full Review | xx | xx | Vermont | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 73927966 | xx | Full Review | xx | xx | Illinois | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 31301286 | xx | Full Review | xx | xx | Texas | xx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 44679426 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 8124116 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 21061694 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 61369828 | xx | Full Review | xx | xx | Michigan | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 59718354 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 25893319 | xx | Full Review | xx | xx | Georgia | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 71842151 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 93712284 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 12691396 | xx | Full Review | xx | xx | New Mexico | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 37926431 | xx | Full Review | xx | xx | Florida | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 6764103 | xx | Full Review | xx | xx | New Jersey | xx | Investor | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 90508900 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 83035681 | xx | Full Review | xx | xx | South Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 69836920 | xx | Full Review | xx | xx | Minnesota | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 10171642 | xx | Full Review | xx | xx | Wisconsin | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 60442880 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 57860528 | xx | Full Review | xx | xx | Colorado | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 23797301 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 41218628 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 4728154 | xx | Full Review | xx | xx | Maryland | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 2246682 | xx | Full Review | xx | xx | Michigan | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 40407213 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 63544219 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 50681443 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 31811729 | xx | Full Review | xx | xx | Indiana | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 35403586 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 92849582 | xx | Full Review | xx | xx | Virginia | xx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 99460273 | xx | Full Review | xx | xx | Oklahoma | xx | Primary | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 41293660 | xx | Full Review | xx | xx | New York | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 22836520 | xx | Full Review | xx | xx | South Carolina | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 31812654 | xx | Full Review | xx | xx | Texas | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 7783847 | xx | Full Review | xx | xx | South Carolina | xx | Secondary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 21202515 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 44167380 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 13417730 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 81632636 | xx | Full Review | xx | xx | California | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 47716715 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 3746296 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 84669704 | xx | Full Review | xx | xx | Georgia | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 90980188 | xx | Full Review | xx | xx | Texas | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 792181 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 39898940 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 83871425 | xx | Full Review | xx | xx | Florida | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 65136142 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 84526985 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 35212248 | xx | Full Review | xx | xx | Arizona | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 99241255 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 75399762 | xx | Full Review | xx | xx | Arizona | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 79662552 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 55408546 | xx | Full Review | xx | xx | California | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 61217676 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 48344347 | xx | Full Review | xx | xx | Utah | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 39537052 | xx | Full Review | xx | xx | Georgia | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 69735547 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 86914983 | xx | Full Review | xx | xx | Utah | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 49399572 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 76576397 | xx | Full Review | xx | xx | Nevada | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 2895956 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 62860511 | xx | Full Review | xx | xx | Colorado | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 44314902 | xx | Full Review | xx | xx | South Carolina | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 59440315 | xx | Full Review | xx | xx | Maryland | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 67763322 | xx | Full Review | xx | xx | Oregon | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 51038293 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 50770436 | xx | Full Review | xx | xx | Florida | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 59526778 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 75718748 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 29326299 | xx | Full Review | xx | xx | Nebraska | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 14972893 | xx | Full Review | xx | xx | Alabama | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 61983988 | xx | Full Review | xx | xx | Georgia | xx | Investor | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 83444069 | xx | Full Review | xx | xx | Hawaii | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 12662781 | xx | Full Review | xx | xx | Arizona | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 53216970 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 46731737 | xx | Full Review | xx | xx | Arizona | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 6456873 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | C | Not Applicable | C | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable | C | C | Not Applicable | Not Applicable |
| 92078312 | xx | Full Review | xx | xx | Arizona | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 35845861 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 63233668 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 64847898 | xx | Full Review | xx | xx | Virginia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 85943044 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 88003360 | xx | Full Review | xx | xx | Kansas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 69513647 | xx | Full Review | xx | xx | Delaware | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 68783124 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 54766720 | xx | Full Review | xx | xx | Oregon | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 45773391 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 58092476 | xx | Full Review | xx | xx | New Hampshire | xx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 92607958 | xx | Full Review | xx | xx | North Carolina | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 61665450 | xx | Full Review | xx | xx | Alabama | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 43212686 | xx | Full Review | xx | xx | Kansas | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 87151898 | xx | Full Review | xx | xx | Nevada | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 37641924 | xx | Full Review | xx | xx | Indiana | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 72388679 | xx | Full Review | xx | xx | Georgia | xx | Primary | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 14213201 | xx | Full Review | xx | xx | Alabama | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 32370440 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 48920455 | xx | Full Review | xx | xx | Colorado | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 89928376 | xx | Full Review | xx | xx | Florida | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 93479326 | xx | Full Review | xx | xx | Louisiana | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 86902726 | xx | Full Review | xx | xx | California | xx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 56592617 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 36932357 | xx | Full Review | xx | xx | California | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 38194326 | xx | Full Review | xx | xx | Hawaii | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 33009478 | xx | Full Review | xx | xx | Michigan | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 60966442 | xx | Full Review | xx | xx | Maryland | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 34034068 | xx | Full Review | xx | xx | Minnesota | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 44409011 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 84082664 | xx | Full Review | xx | xx | Texas | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 80570835 | xx | Full Review | xx | xx | Florida | xx | Investor | Refinance | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 70995562 | xx | Full Review | xx | xx | Washington | xx | Investor | Cash Out | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 49787843 | xx | Full Review | xx | xx | Illinois | xx | Investor | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 85625450 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 5843941 | xx | Full Review | xx | xx | North Carolina | xx | Investor | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 202247 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 8374409 | xx | Full Review | xx | xx | Virginia | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 73177649 | xx | Full Review | xx | xx | Alabama | xx | Primary | Refinance | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 13070873 | xx | Full Review | xx | xx | Michigan | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 99360091 | xx | Full Review | xx | xx | Michigan | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 54245808 | xx | Full Review | xx | xx | Illinois | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 45078933 | xx | Full Review | xx | xx | Iowa | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 76522937 | xx | Full Review | xx | xx | California | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 22888458 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 51295485 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 12838571 | xx | Full Review | xx | xx | Illinois | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 5952089 | xx | Full Review | xx | xx | California | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 86876802 | xx | Full Review | xx | xx | Florida | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 13839218 | xx | Full Review | xx | xx | Vermont | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 62575185 | xx | Full Review | xx | xx | Ohio | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 97015239 | xx | Full Review | xx | xx | Iowa | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 30390231 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 71854129 | xx | Full Review | xx | xx | Oregon | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 74531322 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 35333119 | xx | Full Review | xx | xx | Texas | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 81072296 | xx | Full Review | xx | xx | South Dakota | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 2658486 | xx | Full Review | xx | xx | Georgia | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 33190685 | xx | Full Review | xx | xx | Georgia | xx | Secondary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 38948910 | xx | Full Review | xx | xx | Illinois | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 32283883 | xx | Full Review | xx | xx | California | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 13859581 | xx | Full Review | xx | xx | Arizona | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 33101773 | xx | Full Review | xx | xx | California | xx | Investor | Purchase | A | Not Applicable | A | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable | A | A | Not Applicable | Not Applicable |
| 14411089 | xx | Full Review | xx | xx | Indiana | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 23453325 | xx | Full Review | xx | xx | Michigan | xx | Primary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 32014728 | xx | Full Review | xx | xx | California | xx | Secondary | Purchase | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 42818815 | xx | Full Review | xx | xx | Tennessee | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 64197038 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 31965587 | xx | Full Review | xx | xx | Kentucky | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |
| 23485945 | xx | Full Review | xx | xx | Pennsylvania | xx | Primary | Cash Out | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 10418409 | xx | Full Review | xx | xx | New York | xx | Primary | Purchase | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 99296260 | xx | Full Review | xx | xx | Illinois | xx | Primary | Refinance | B | Not Applicable | B | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable | B | B | Not Applicable | Not Applicable |
| 77007757 | xx | Full Review | xx | xx | New Jersey | xx | Primary | Cash Out | D | Not Applicable | D | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable | D | D | Not Applicable | Not Applicable |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

**UNITED STATES**

**SECURITY AND EXCHANGE COMMISSION**

Washington, D.C. 20049

FORM ABS DUE DILIGENCE-15E

CERTIFICATE OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES<br> FOR ASSET BACKED-SECURITIES

Pursuant 17 CFR 240.17g-10, this Form must be used by a person providing third-party due diligence services in connection with an asset-backed security to comply with section 15E(s)(4)(B) of the Securities Exchange Act of 1934 requires a person providing the due diligence services to provide a written certification to any nationally recognized statistical rating organization that produces a credit rating to which such due diligence relate.

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

Legal Name: OneDiligence, LLC

Business Name (if Different): OneDiligence, LLC.

Principle Business Address: 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

**Item 2. Identity of the person who paid the person to provide third-party due diligence services**

Legal Name: PRPM 2025-RCF6, LLC (also referred to as "The Requestor" in this form)

Business Name (if Different): N/A

Principle Business Address: 7114 E. Stetson Dr., Suite 250, Scottsdale, Arizona 85251

**Item 3. Credit rating criteria**

If the due diligence performed by the third party is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization, identify the national recognized statistical rating organization and the title and date of the published criteria (more than one nationally recognized statistical rating organization may be identified).

OneDiligence, LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

---

| | |
|:---|:---|
| **Fitch Ratings, Inc.** | **U.S. RMBS Rating Criteria, October 26, 2023** |
| **DBRS, Inc.** | **Third-Party Due-Diligence Criteria for U.S. RMBS Transactions, September 30, 2024** |

---

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

**Provide a description of the scope and manner of the due diligence services performed in connection with the review of assets that is sufficiently detailed to provide an understanding of the steps taken in performing the review. Include in the description: (1) the type of assets that were reviewed; (2) the sample size of the assets reviewed; (3) how the sample size was determined and, if applicable, computed; (4) whether the accuracy of information or data about the assets provided, directly or indirectly, by the securitizer or originator of the assets was reviewed and, if so, how the review was conducted; (5) whether the conformity of the origination of the assets to stated underwriting or credit extension guidelines, standards, criteria or other requirements was reviewed and, if so, how the review was conducted; (6) whether the value of collateral securing such assets was reviewed and, if so, how the review was conducted; (7) whether the compliance of the originator of the assets with federal, state, and local laws and regulations was reviewed and, if so, how the review was conducted; and (8) any other type of review that was part of the due diligence services conducted by the person executing this Form. This description should be attached to the Form and contain the heading "Item 4." Provide this description regardless of whether the due diligence performed is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization.**

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

**Provide a summary of the findings and conclusions that resulted from the due diligence services that is sufficiently detailed to provide an understanding of the findings and conclusions that were conveyed to the person identified in Item 2. This summary should be attached to the Form and contain the heading "Item 5."**

**CERTIFICATION**

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

**Name of Person Identified in Item 1: Alex Goldovsky, CEO OneDiligence, LLC**

**(Print name of duly authorized person)**

---

| | |
|:---|:---|
| **Date:** | **11/13/2025** |
| **Signature:** | ![](ex99-6_002.jpg) |

---

**OneDiligence, LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225**

**Annex #1 to Form ABS Due Diligence 15E**

Item 4. Description of the due diligence services performed

Provide a description of the scope and manner of the due diligence services performed in connection with the review of assets that is sufficiently detailed to provide an understanding of the steps taken in performing the review. Include in the description:

(1) The type of assets that were reviewed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The assets reviewed in this population were one-to-four family residential mortgage loans.

(2) The sample size of the assets reviewed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The sample consisted of 74 mortgage loans

(3) How the sample size was determined and, if applicable, computed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. OneDiligence, LLC performed the due diligence scope on the full loan population

(4) Whether the accuracy of information or data about the assets provided, directly or indirectly, by the securitizer or originator of the assets was reviewed and, if so, how the review was conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The accuracy of the information provided by the securitizer was verified through examination of the land records.

(5) Whether the conformity of the origination of the assets to stated underwriting or credit extension guidelines, standards, criteria or other requirements was reviewed and, if so, how the review was conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Item 5 is not applicable within scope of review

(6) Whether the value of collateral securing such assets was reviewed and, if so, how the review was conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Item 6 is not applicable within scope of review

(7) Whether the compliance of the originator of the assets with federal, state, and local laws and regulations was reviewed and, if so, how the review was conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Item 7 is not applicable within scope of review

(8) Any other type of review that was part of the due diligence services conducted by the person executing this Form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Please refer to Item 5 of Form ABS Due Diligence 15E.

OneDiligence, LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

![](ex99-6_003.jpg)

Annex #2 to Form ABS Due Diligence 15E

Item 5. Summary of findings and conclusions of review

OneDiligence, LLC was engaged by PRPM 2025-RCF6, LLC (The Requestor) as diligence provider to order and review title reports for a population of 74 one-to-four family residential mortgage loans (the "Subject Loans"). As of review date, OneDiligence, LLC has received and reviewed a total of 74 Current Owner searches with up to date title and tax information on each loan. Title Policy was reviewed for any and all loans that had exceptions prior to Subject loan origination as shown in the table attached to this form.

With respect to these 74 loans:

&nbsp;&nbsp;&nbsp;&nbsp;1. As set forth in the title reports, the subject mortgage is
recorded in the appropriate recording jurisdiction for all mortgages examined.

&nbsp;&nbsp;&nbsp;&nbsp;2. As set forth in the title reports, the subject mortgage is
in 1st lien position, with the exception of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 2 mortgage loans for which a clean title policy was issued which did not take exception to the prior liens/judgments but for which
potentially superior post ordination liens/judgments were found of record. For the purposes of identifying those potentially superior
post-origination HOA liens which may not be enforceable due to statutory limitations, the Client provided a reference citing applicable
state statutes. ProTitleUSA has confirmed that the state statutes referenced by Client are current statutes. ProTitleUSA has applied the
effective dates and statutes of limitations referenced by Client without making a legal determination as to the rights of priorities of
a potential lender, investor, or purchaser of interests in real estate and for those mortgage loans, the total amount of such potentially
superior post origination recorded liens/judgments is $1,740.00.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 2 mortgage loans for which potentially superior post origination liens/judgments were found of record. ProTitleUSA has confirmed that
the state statutes referenced by Client are current statutes. ProTitleUSA has applied the effective dates and statutes of limitations
referenced by Client without making a legal determination as to the rights of priorities of a potential lender, investor, or purchaser
of interests in real estate and for those mortgage loans, the total amount of such potentially superior post origination recorded liens/judgments
is $1,203.37.

Scope for due diligence work:

This limited-scope was for around reviewing the most recent title reports provided by ProTitleUSA, Inc. Based on the title report, we captured the current lien position, potential assignment chain concerns, concerns with recordation and legal ownership; and any current and delinquent taxes.

Based on the searches for these loans, if any issue was identified the client was made aware and has made arrangements to assure the curative action has been taken. Based on the review, it was determined that there were no non-curable significant issues on the mortgaged properties.

Thank you, OneDiligence, LLC

About OneDiligence, LLC,

Legal entity name: OneDiligence, LLC

One Diligence, LLC, a subsidiary of ProTitleUSA, is a rated TPR firm using the latest Machine Learning and Data Extraction technologies which enables experienced underwriters to review loans much faster. With ProTitleUSA's automation and expertise of tax and title reviews, DocSolutionUSA's expertise of recorded documents, notes and title policy reviews, as well as the credit and compliance expertise of One Diligence's underwriting staff, One Diligence, LLC holds a very high standard on reliable, timely, versatile and competent reviews of real estate loans.

OneDiligence LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

---

| | |
|:---|:---|
| &nbsp;&nbsp;![](ex99-6_004.jpg) | **Exhibit A** |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Loan # | &nbsp;&nbsp;State | &nbsp;&nbsp;MTG Lien<br> Position | &nbsp;&nbsp;MTG<br> Released? | &nbsp;&nbsp;Count of <br> Pre- <br> Origination <br> MTG Liens | &nbsp;&nbsp;Count of <br> Pre- <br> Origination <br> Non-MTG <br> Liens | &nbsp;&nbsp;TPOL<br> Reviewed? | &nbsp;&nbsp;TPOL <br> Exception to <br> Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | &nbsp;&nbsp;Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | &nbsp;&nbsp;Superlien <br> State? <br> (Yes/No) | &nbsp;&nbsp;HOA <br> Lien? | &nbsp;&nbsp;Muni <br> Lien? | &nbsp;&nbsp;Delinquent <br> Tax Amount |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;IL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;IN | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;4 | &nbsp;&nbsp;NY | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;5 | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;6 | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;7 | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;8 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes-1 | $&nbsp;&nbsp;3437.16 |
| &nbsp;&nbsp;9 | &nbsp;&nbsp;IN | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;10 | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;11 | &nbsp;&nbsp;OH | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;12 | &nbsp;&nbsp;NC | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;13 | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;14 | &nbsp;&nbsp;OH | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;15 | &nbsp;&nbsp;GA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;16 | &nbsp;&nbsp;OK | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;17 | &nbsp;&nbsp;NJ | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;18 | &nbsp;&nbsp;OK | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;19 | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;20 | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;21 | &nbsp;&nbsp;GA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;22 | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;23 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;24 | &nbsp;&nbsp;PA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;25 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;26 | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;27 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;28 | &nbsp;&nbsp;AZ | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;29 | &nbsp;&nbsp;OR | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;30 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;31 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;32 | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;33 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;34 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;35 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;36 | &nbsp;&nbsp;MD | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;37 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;7873.41 |
| &nbsp;&nbsp;38 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;39 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;40 | &nbsp;&nbsp;OH | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;41 | &nbsp;&nbsp;MD | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;42 | &nbsp;&nbsp;NJ | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;43 | &nbsp;&nbsp;OH | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;44 | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;45 | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;46 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;47 | &nbsp;&nbsp;CO | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;48 | &nbsp;&nbsp;OH | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;49 | &nbsp;&nbsp;MO | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;50 | &nbsp;&nbsp;GA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;51 | &nbsp;&nbsp;MI | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;52 | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;53 | &nbsp;&nbsp;NM | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;54 | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;55 | &nbsp;&nbsp;TX | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;56 | &nbsp;&nbsp;GA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;57 | &nbsp;&nbsp;NY | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;Yes | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;1276.37 |
| &nbsp;&nbsp;58 | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;59 | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;60 | &nbsp;&nbsp;KY | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;61 | &nbsp;&nbsp;MO | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;62 | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;Yes | &nbsp;&nbsp;Yes | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;63 | &nbsp;&nbsp;ID | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;64 | &nbsp;&nbsp;PA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;65 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Loan # | &nbsp;&nbsp;State | &nbsp;&nbsp;MTG Lien<br> Position | &nbsp;&nbsp;MTG<br> Released? | &nbsp;&nbsp;Count of <br> Pre- <br> Origination <br> MTG Liens | &nbsp;&nbsp;Count of <br> Pre- <br> Origination <br> Non-MTG <br> Liens | &nbsp;&nbsp;TPOL<br> Reviewed? | &nbsp;&nbsp;TPOL <br> Exception<br> to <br> Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | &nbsp;&nbsp;Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | &nbsp;&nbsp;Superlien <br> State? <br> (Yes/No) | &nbsp;&nbsp;HOA <br> Lien? | &nbsp;&nbsp;Muni <br> Lien? | &nbsp;&nbsp;Delinquent <br> Tax Amount |
| &nbsp;&nbsp;66 | &nbsp;&nbsp;CA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;67 | &nbsp;&nbsp;MA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;Yes | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;528.86 |
| &nbsp;&nbsp;68 | &nbsp;&nbsp;FL | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;Yes | &nbsp;&nbsp;Yes | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;69 | &nbsp;&nbsp;NY | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;Yes | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes-1 | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;70 | &nbsp;&nbsp;CT | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;71 | &nbsp;&nbsp;NC | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;72 | &nbsp;&nbsp;GA | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;73 | &nbsp;&nbsp;NY | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |
| &nbsp;&nbsp;74 | &nbsp;&nbsp;NY | &nbsp;&nbsp;1 | &nbsp;&nbsp;No | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;No | &nbsp;&nbsp;Yes | &nbsp;&nbsp;No | &nbsp;&nbsp;No | $&nbsp;&nbsp;- |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

&nbsp;&nbsp;&nbsp;&nbsp; ![](ex99-6sch1_001.jpg)

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Ln#** | **Order#** | **Deal ID** | **Review Date** | **Parcel** | **Tax Cert Delinquency?** | **Tax Lien Amount** | **Delinquent Tax Amount** | **Amount Good Through Date** |
| 1 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 2 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 3 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 4 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 5 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 6 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 7 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 8 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | XXXX | 12/XX/2024 |
| 9 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 10 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 11 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 12 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 13 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 14 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 15 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 16 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 17 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 18 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 19 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 20 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 21 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 22 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 23 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 24 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 25 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 26 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 27 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 28 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 29 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 30 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 31 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 32 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 33 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 34 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 35 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 36 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 37 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | XXXX | 4/XX/2025 |
| 38 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 39 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 40 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 41 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 42 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 43 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 44 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 45 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 46 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 47 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 48 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 49 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 50 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 51 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 52 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 53 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 54 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 55 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 56 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 57 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | XXXX | 5/XX/2025 |
| 58 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 59 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 60 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 61 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 62 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 63 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 64 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 65 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 66 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 67 | REDACTED | REDACTED | REDACTED | REDACTED | Y | XXXX | XXXX | 11/XX/2025 |
| 68 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 69 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 70 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 71 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 72 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 73 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |
| 74 | REDACTED | REDACTED | REDACTED | REDACTED | N | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | N/A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

&nbsp;&nbsp; ![](ex99-6sch2_001.jpg)

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Loan#** | **Order#** | **Deal ID** | **Review Date** | **Note Date** | **Original Loan Amount** | **State** | **Expected MTG Lien Position** | **Pre-Origination Findings** | **MTG Lien Position** | **MTG Released?** | **Count of Pre-Origination MTG Liens** | **Total Dollar Amount of Pre-Origination MTG Lien(s)** | **Count of Pre-Origination Non-MTG Liens** | **Total Dollar Amount of Pre-Origination Non-MTG Lien(s)** | **TPOL Review Needed?** | **TPOL Reviewed?** | **TPOL Exception to Pre-Origination MTG/Non-MTG Liens?** | **Specific TPOL Exceptions** | **Post-Origination Non-MTG Liens (Yes/No)** | **Superlien State? (Yes/No)** | **HOA Lien?** | **HOA Amount** | **Muni Lien?** | **Muni Amount** |
| 1 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 2 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 3 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 4 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 5 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 6 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 7 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 8 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | Yes | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | Yes-1 | XXXX |
| 9 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 10 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 11 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 12 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 13 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 14 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 15 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 16 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OK | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 17 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 18 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OK | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 19 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 20 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 21 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 22 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 23 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 24 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 25 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 26 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 27 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 28 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AZ | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 29 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OR | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 30 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 31 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 32 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | Yes | Yes | No | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 33 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 34 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 35 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 36 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 37 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | Yes | Yes | No | N/A | Yes | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 38 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 39 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | Yes | Yes | No | N/A | Yes | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 40 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 41 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 42 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 43 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 44 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 45 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 46 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 47 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CO | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 48 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 49 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 50 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 51 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MI | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | Yes | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | XXXX |
| 52 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 53 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NM | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 54 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 55 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 56 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 57 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | Yes | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 58 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 59 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 60 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | KY | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 61 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 62 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | Yes | Yes | Yes | XXXX | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 63 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ID | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 64 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 65 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | Yes | Yes | No | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 66 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 67 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | Yes | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 68 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | Yes | Yes | Yes | XXXX | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 69 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | Yes | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | Yes-1 | XXXX |
| 70 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CT | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 71 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 72 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | No | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 73 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 74 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | 0 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | N/A | N/A | N/A | No | Yes | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - | No | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

PRPM 2025-RCF6

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**November 13, 2025**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**BM-SC, LLC**

The report summarizes the results of a due diligence review performed on a pool of 3 loans, of which were purchased by BM-SC, LLC ("Customer") from clients of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed review of all loans.

As detailed herein, the pool contains one (1) NQM loan, one (1) QM APOR Safe Harbor loan and one (1) ATR/QM Exempt loan, which is a DSCR loan. Loans were re-underwritten to the lender guidelines under the terms of Exhibit A.

**EXHIBIT A**

**Credit Review**<br> **Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

**a)** **Guidelines:** Determine
whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant
should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q,
Consultant will consider Fannie Mae's Single-Family guidelines.

**b)** **Employment:** Review
the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting
guidelines.

**c)** **Income:** Recalculate
borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine
compliance with the Client provided underwriting guidelines.

**d)** **Assets:** Confirm
the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds,
reserves and borrower liquidity.

**e)** **Debt Ratio:** Recalculate
the debt to income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client
provided underwriting guidelines and regulatory requirements.

**f)** **Property Valuation:** Analyze all appraisals and alternative
value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness
of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

**g)** **Loan-to-Value Ratio:** Recalculate
and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting
guideline and regulatory requirements.

**h)** **Credit History:** Review
the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline
requirements.

**i)** **Credit Scores**: Verify that borrower(s) meet minimum credit
score requirements of the Client provided underwriting guidelines.

**j)** **Compensating Factors:** Verify exceptions to the Client provided
underwriting guidelines are documented and reasonable.

**Document Review**

<br> **Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title
Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of
the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument:
Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that
all riders, addendums and endorsement are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage / Deed of Trust: Verify the presence of a copy
Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits
are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from
the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months
of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from
an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the
date the document was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance Deed: Verify as
applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject
parties is detailed on the deed.

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement:
If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending
upon state compliance requirements.

&nbsp;&nbsp;&nbsp;&nbsp;· Final Truth-in-Lending Disclosure:
If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required
signatures are present.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel:
If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate: If required verify the presence of the current
Loan Estimate (LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;· Closing Disclosure: If required verify the presence of
the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness
of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify
the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence
of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client
provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing
Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a
verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters
of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such
letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift
Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist
in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify
the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing
parties contributing income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset
Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools:
Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation
under the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify
the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of
the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending. The review is conducted using both Paragon and Compliance Ease.

If applicable, the regulatory compliance review will be conducted in line with the most recently dated Structured Finance Association (SFA) TRID Compliance Review Scope.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Federal Truth in Lending Act/Regulation Z:**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Federal Truth in Lending Act/ Regulation Z:**

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Wipro Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Business Days as Defined by Regulation Z

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

**c) MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):**

&nbsp;&nbsp;&nbsp;&nbsp;i) Initial Delivery: Creditor must deliver the Initial Disclosures
within 3 "general" business days of application

ii) No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

iii) 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

iv) 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;v) APR on Final TIL: APR on
Final TIL must be within tolerance 1/8 or <sup>1</sup>/<sub>4</sub> of percent difference in APR based on regular or irregular payment
stream.

**d) Home Ownership Equity Protection Act (HOEPA) testing, to include:**

&nbsp;&nbsp;&nbsp;&nbsp;i) APR test [HOEPA (§1026.32(a)(1))] ]

ii) If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a six-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined by the Client on a case by case basis.

iii) Points and Fees test [HOEPA (§1026.32(a)(2))]

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

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

vi) Review for evidence of prepayment penalty

vii) Verification of Debt to Income conformity, when necessary.

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

**e) Federal Higher Priced Mortgage Loan Testing**, to include:

HPML(§1026.35(a)(1))] - A loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on Conforming First Liens, 2.50% for Jumbo First Liens and 3.50% or more percentage points on Second Liens.

Escrow Requirement - Loans that fall under the guidelines of a Higher Priced Mortgage Loan (HPML) will require escrow accounts to be in place for the first five years of the transaction. A loan will be considered a Higher Priced Mortgage Loan based on the guidelines shown above (HPML Testing – APR)

HPML Appraisal Rule - An HPML designation also requires additional appraisal requirements. Requirements include:

&nbsp;&nbsp;&nbsp;&nbsp;· Three-day disclosure from application of the right to a
free copy

&nbsp;&nbsp;&nbsp;&nbsp;· Written appraisal from certified or licensed appraiser

&nbsp;&nbsp;&nbsp;&nbsp;· Interior inspection

&nbsp;&nbsp;&nbsp;&nbsp;· Delivery of copies no later than three days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;· If the property falls under the 'flipping'
definition, a second appraisal is required and must document:

&nbsp;&nbsp;&nbsp;&nbsp;· The difference in the original sales price and the subsequent
sales price

&nbsp;&nbsp;&nbsp;&nbsp;· Changes in market conditions

&nbsp;&nbsp;&nbsp;&nbsp;· Property improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations. System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements.

**f) RESPA/Regulation X** (Loans with an Application Date prior to 10/03/2015):

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE):

&nbsp;&nbsp;&nbsp;&nbsp;· Consultant
will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including the presence of the current
GFE form in effect at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify the GFE was provided
to the borrower(s) within three days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;· Application
shall be defined by Regulation X and generally be considered complete when the following seven conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Borrower(s) First and Last
Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Borrower(s) Social Security
Number (to enable the loan originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Subject Property Address (including
"To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Mortgage Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Estimation of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Any other requirement as defined
in the lender's policies and procedures

&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will verify that
all Broker fees, including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to determine whether
a Changed Circumstance form is required to accompany each revised Good Faith Estimate (GFE)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Acts of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Information particular to
borrower or transaction that was relied on in providing the GFE and that changes or is found to be inaccurate after GFE has been provided
to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. New information particular to the borrower or transaction
that was not relied on in providing the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Other circumstances that
are particular to borrower or transaction, including boundary disputes, need for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. In the event any of the above
occurs, the loan originator is required to provide a new revised GFE to the borrower within 3 business days of receiving information sufficient
to establish "changed circumstances" and document the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Rate Locks: If the rate has
not been locked by the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted origination charges, per
diem interest and loan terms related to the rate may change. If borrower later locks the rate, a new GFE must be provided showing the
revised rate-dependent charges and terms. All other charges and terms must remain the same as on the original GFE, except as otherwise
provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1: Consultant will
confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the current applicable Final HUD-1
form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Final HUD-1 accurately lists all broker and
YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE)
and Final HUD-1 Analysis: Confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Credit or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Adjusted Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Transfer Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:

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

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

(c)Government recording charges

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm page 3
of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

g) QM / ATR (QUALIFIED MORTGAGE/ABILITY TO REPAY) DODD FRANK REVIEW

**(LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014); elective compliance date of Revised QM Rules (applications on or after 3/1/2021); mandatory date of Revised QM Rules for GSE Purchase/Securitization (applications on or after 7/1/2021); and mandatory date of Revised QM Rules (applications on or after 10/1/2022)**

**(1) QM/ATR (Qualified Mortgage/Ability to Repay)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a. Ability to Repay**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant will incorporate checkpoints for the ATR's eight verification steps for any origination
QC work. Consultant has the option to run ATR checks on any transactions subject to QM that fall outside the ability to meet QM guidelines,
whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the
ability to be screened for ATR if the QM testing fails or the loan is exempt from QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consultant is required to verify all information within the scope of the eight verification steps before
an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration

and a page(s) reference to the third-party records/documentation/images

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Income and Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly qualifying payments for the proposed loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payment for mortgage related obligations for the proposed loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony and child support

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Qualifying monthly DTI and/or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. If all of the verifications are made and each of the eight topic
areas is confirmed to agree with the representations made by the lender, and there are no credit exceptions to the lender's guidelines,
the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation to support the stated values in any
of the areas, affected items will not be considered verified and the loan will be subject to failing the ATR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. ATR results will be reported as ATR-Pass. ATR-Fail and ATR-Exempt.
This is in addition to existing credit and compliance related reporting by the Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b. Qualified Mortgage**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant's scope includes review of all available QM
types:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Legacy QM (for applications taken on or after January 10, 2014 until September 30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Revised QM (for applications taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Agency QM (for applications taken on or after January 10, 2014 until June 30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Agency QM with APOR (for applications taken on or after July 1, 2021); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Government QM (for applications taken on or after January 10, 2014).

**(2) Generally Applicable Factors**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The following factors are reviewed for Legacy, Revised, and Agency QM categories:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. REGULAR PAYMENTS. Provides
for regular periodic payments that are substantially equal, except for the effect of certain interest rate changes for adjustable or step
rates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. TERM. Loan term does not exceed 30 years.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. POINTS AND FEES. Points and
fees do not exceed the applicable threshold for the appropriate loan amount.

**(3) QM Rules Points and Fees Testing**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Points and fees include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance charges, unless excluded;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The portion of upfront private mortgage insurance that
exceeds FHA premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Loan originator compensation
– Compensation/YSP known at the time of the consummation will be included but Consultant does not review lender or broker compensation
programs as part of its QM testing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Real estate-related fees if
the creditor receives direct or indirect compensation in connection with the fee or charge, the fee or charge is paid to a creditor affiliate
or the fee or charge is not reasonable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Premiums for credit insurance,
credit property insurance, and other insurances where the creditor is the beneficiary, debt cancellation or suspension coverage payments;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum prepayment penalty; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Prepayment penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Points and fees exclude:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Bona fide third-party charges not retained by the creditor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Government mortgage insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Private mortgage insurance premiums up to an amount equal
to government insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Up to two bona fide discount points if the interest before
the discount does not exceed APOR by 1% based on a calculation that is consistent with established industry practices for determining
the amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer;
if no discount points excluded up to one bona fide discount point if the loan's interest rate before the discount does not exceed
APOR 2%; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Sellers points

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. A loan is a QM loan if the points and fees do not exceed (values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3 percent of the total loan amount for a loan greater than
or equal to $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. $3,000\* for a loan greater than or equal to $60,000\* but
less than $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 5 percent of the total loan amount for a loan greater than
or equal to $20,000\* but less than $60,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. $1,000\* for a loan greater than or equal to $12,500\* but
less than $20,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. 8 percent of the total loan amount for a loan less than
$12,500\*

**(4) Legacy QM**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Legacy QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Monthly Payment. The amount
of the monthly payment on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly
payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Appendix Q. Considers and
verifies income, assets, employment, and debts in accordance with Appendix Q.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. DTI. The DTI ratio of total monthly debt to total monthly
income does not exceed 43 percent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verified. Only verified amounts
will be included in the QM debt-to-income test - verified income and assets, loan and simultaneous loan payments, insurance, taxes and
HOA, alimony, child support and open debts. The calculated value will be the verified debts divided by the verified income represented
as a ratio, with amounts less than or equal to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning
an overall QM status of Fail.

**(5) Revised QM**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i.** **Monthly Payment.** The
amount of the monthly payment on the loan is calculated using the maximum rate that may apply during the first five years and considers
the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**ii.** **Consider and Verify.** The
creditor must consider and verify the consumer's current or reasonably expected income or assets other than the value of the dwelling
(including any real property attached to the dwelling) that secures the loan, debt obligations, alimony, child support, and debt-to-income
ratio or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Consider.** As part of the "consider" requirement,
Consultant will review the (a) creditor's<br>
policies and procedures provided by Client, as well as any exceptions thereto, for how the creditor takes into account the underwriting
factors enumerated above, and (b) the documentation retained by creditor, such as an underwriting worksheet or a final automated underwriting
system certification in combination with the creditor's applicable underwriting standards and any applicable
exceptions described in its policies and procedures, showing how the creditor took these factors into account in its ability-to-repay
determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Verify**. Creditor is deemed
to have complied with the "verify" requirement if it complies with<br>
the verification standards in one or more of these following agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Chapters B3-3 through B3-6
of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sections 5102 through 5500
of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Sections II.A.1 and II.A.4-5
of the Federal Housing Administration's Single-Family Housing Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Chapter 4 of the U.S. Department
of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Chapter 4 of the U.S. Department
of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Chapters 9 through 11 of the
U.S. Department of Agriculture's Handbook for the Single-Family Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. For purposes of compliance with the requirement to verify through reasonably
reliable third- <br> party records, a creditor need only comply with those provisions in the manuals that require creditors
to verify income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows,
property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Revised versions of manuals. A creditor also complies with the verification requirement where<br>
it complies with revised versions of the manuals listed above, provided that the two versions are "substantially similar."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. The Revised QM Rule permits the creditor to "mix and match" verification standards from<br>
different agency manuals. Consultant will test the creditor's "verification" of third- party records in instances when
the creditor either uses (a) its own procedures or alternatively, (b) the verification standards of one or more of the agency handbooks
listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Note: the creditor (or client, as the case may be,) must provide written policies and<br>
procedures and related documentation such as underwriter worksheets in order for Consultant to review loans under the Revised QM Rules,
and in particular, with regard to the "consider" and "verify" requirements. Further, if the creditor (or client,
as the case may be) intends to use the verification safe harbor, its written policies and procedures must specify the precise agency handbook(s)
that it is relying on with specific references to the particular provisions addressing income, assets, debt obligations, alimony and child
support using specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations,
alimony, and child support – as well as the specific dates(s) of the agency handbook(s) issuance, publication or revision. In addition,
Consultant is not responsible for determining whether revised versions of the manuals listed above are "substantially similar"
for purposes of the verification safe harbor; such a determination of the sole responsibility of the creditor (or client, as the case
may be).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Note: due to the inherent subjectivity of the foregoing "consider" and "verify"
requirements,<br>
Consultant will review the creditor's (or client's, as the case may be) (i) policies and procedures and worksheets and (ii)
methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for content
only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply with applicable law, and cannot
guarantee that a court, governmental regulator, rating agency or another third party diligence provider would reach the same conclusions
using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. APR-APOR Spread and Loan Thresholds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The APR on the loan does not exceed APOR for a comparable transaction
as of the date the interest rate is set the following loan amount thresholds (values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For a first-lien loan with a loan amount greater than or
equal to '$110,260,\* 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with a loan amount greater than or
equal to $66,156\* but less than $110,260\*, 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a first-lien loan with a loan amount less than $66,156,\*
6.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For a subordinate-lien loan with a loan amount great than
or equal to $66,156\*, 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For a subordinate-lien loan with a loan amount less than
$66,156\*, 6.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For a first-lien loan secured by a manufactured home with
loan amount less than $110,260\*, 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Short Term ARMs.** The APR used
on short term ARMs of five years or less uses the maximum rate in the first five years for the entire term of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**iv. ATR Presumptions for Revised QM Rules**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Safe Harbor. For first-lien
transactions, a loan receives a conclusive presumption that the consumer had the ability to repay (and hence receives the "safe
harbor" presumption of QM compliance) if the APR does not exceed the APOR for a comparable transaction by 1.5 percentage points
or more as of the date the interest rate is set.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Higher Priced. A first-lien
loan receives a rebuttable presumption that the consumer had the ability to repay if the APR exceeds the APOR for a comparable transaction
by 1.5 percentage points or more but by less than 2.25 percentage points. There are higher thresholds for loans with smaller loan amounts,
for subordinate-lien transactions, and for certain manufactured housing loans—all of which will be tested by Consultant.

**(6) Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale
to Fannie Mae or Freddie Mac. The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

(7) **Agency QM with APOR/ General Qualified Mortgage (QM) testing.** Meets
the test for "Agency QM" and the APOR test applicable for Revised QM.

**(8)** **Government QM/ General Qualified Mortgage (QM) Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development
under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department
of Agriculture under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

**(9) QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For QM/TQM testing, the results of the debt-to-income test (Legacy QM), APR-APOR spread test (Revised
QM), or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested
by the rating agencies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM/TQM-ATR Pass / Non-HPML [QM or TQM – Pass / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM/TQM-ATR Pass / HPML [QM or TQM – Pass / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· ATR Fail / Non-HPML [QM or TQM – Fail / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· ATR Fail / HPML [QM or TQM - Fail / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· NonQM / Compliant [NonQM or TQM Loan, Exempt / ATR – Compliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· NonQM / Noncompliant [NonQM or TQM Loan, Exempt / ATR –Noncompliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Not Covered – / Exempt [QM or TQM – Exempt / ATR – Exempt]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For Revised QM Rules testing, the following results will be provided to establish Verified Safe Harbor
designation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· VSH Confirmed [Verified Safe Harbor]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently

performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(10) Legacy and Revised QM Rules**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Current testing for Higher Priced Covered Transactions will be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Covered Transaction if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**h)** **Regulatory Compliance Disclaimer**

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i)** **Seasoning And Certain Compliance Exceptions**

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**TRID**

1) TILA RESPA Integrated Disclosure Statement of Work

**Eligibility**

The following criteria are used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;· The Application Date is October
3, 2015, or later (the earlier of the date the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;· The Loan Purpose and Property Type includes a closed-end
mortgage secured by real estate:

o Purchase

o Refinance (Cash Out or Rate Term)

o Construction and Construction to Permanent Financing

o SFR, 1-4 Unit, PUD, Condo and Coops (Coop may be excluded based on Client instructions)

&nbsp;&nbsp;&nbsp;&nbsp;· The Loan Purpose and Property Type does not include:

o HELOCs

o Reverse mortgages

o Dwellings that are not attached to real property

o Mobile homes, where the consumer does not own the land,

&nbsp;&nbsp;&nbsp;&nbsp;· For purposes of determination of Occupancy, TRID applies
to loans for owner occupied, second home and vacant land.

&nbsp;&nbsp;&nbsp;&nbsp;· Wipro Opus will apply the
standard exemptions from TILA, i.e., business purposes loans, loans for agricultural purposes and loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Please be aware that TILA contains a TRID-specific exemption for certain subordinate lien loans for the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency or foreclosure avoidance or prevention. Wipro Opus will not test such loans for TRID compliance.

**Loan Estimate (″LE″)**<br> 1. Initial LE

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of compliance
with timing requirements as to whether the Initial LE was delivered within three (3) business days from the Application Date. The Initial
LE shall use the delivery date to calculate the earliest closing Consummation Date (no less than seven (7) business days from the delivery
of the Initial LE). The delivery date is the date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(1)(b)
If the LE does not contain a signature line for the consumer's confirmation of receipt, then Wipro Opus will look for the "Loan
Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to
proceed.

&nbsp;&nbsp;&nbsp;&nbsp;· Verification
that the correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections)
and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical
formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of the document preparation
source.

&nbsp;&nbsp;&nbsp;&nbsp;· General loan information and loan terms sections completed
and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify all applicants applying for credit, as disclosed on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;· "Can this amount increase
after closing?" and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed
on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· If rate is locked, were lock expiration date, time and
time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;· Settlement
charges good through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees
are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated
Taxes, Insurance & Assessments sections are complete and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· The Closing
Costs and Cash-to-Close sections are complete and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees disclosed properly (alphabetical
order within Section with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· It is recommended that an
Itemization of Fees is provided for any fees disclosed as "Aggregate". It is quite difficult to determine if the fees are
disclosed properly without this information.

&nbsp;&nbsp;&nbsp;&nbsp;· Any addenda found in file listing ADDITIONAL fees for sections
other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest
Only Payments, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate
based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM
or Step Rate, is Adjustable Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· The Comparison section is complete
and accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· In 5
Years calculations for Total of Payments (TOP) and Total Principal Paid are accurate based on the terms and fees disclosed on page 1 and
2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· APR is accurate within tolerance
based on the terms disclosed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;· Total interest Percentage (TIP) is accurate based on the
loan terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;· Other Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;2. Revised LEs

If there has been a revision to the LE, validate that the Revised LE is provided within three (3) days of COC, BRC or interest rate lock. Review as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

o Changed Circumstance affecting settlement charges

o Change Circumstance affecting eligibility

o Revisions requested by the consumer

o Interest rate dependent charges

o Expiration of the LE and

o Delayed settlement date on a construction loan

o Timing Requirement for LE 7 days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;3. Determination of Final Binding LE

&nbsp;&nbsp;&nbsp;&nbsp;· Review and analyze each LE
in file to determine final Binding LE. If there is a change in loan terms, change in interest rate or increase in charges subject to variances
without valid reason for a Revised LE as set forth above, findings will be cited. If a Revised LE was issued without a valid reason, the
previous valid LE would be considered the Binding LE for the purposes of comparison with the Closing Disclosure. [Also see Variance Tests
and Closing Disclosure for COC/BRC events disclosed after issuance of Initial CD]

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of compliance
with timing requirements that there have been no loan estimates provided to the borrower after a Closing Disclosure has been delivered,
and whether the Final LE was provided at least four (4) business days prior to the closing Consummation Date.

If the LE does not contain a signature line for the consumer's confirmation of receipt, then Wipro Opus will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;· Verification
that the correct form is used and all sections of the Initial LE are completed (no blanks, "NA's" or incomplete sections)
and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical
formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of the document preparation
source.

&nbsp;&nbsp;&nbsp;&nbsp;· General loan information and loan terms sections completed
and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify loan term, purpose, and product descriptions follow
the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;· Verify all applicants applying for credit, as disclosed
on the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· If rate is locked, were lock expiration date, time and
time zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;· Settlement
charges good through date, time and time zone disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees
are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected
Payments and Estimated Taxes, Insurance & Assessments sections are complete and accurate based on the loan terms and information known
at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· The Closing Costs and Cash-to-Close
sections are complete and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees disclosed properly (alphabetical
order within Section with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· It is recommended that an Itemization of Fees is provided
for any fees disclosed as "Aggregate". It is quite difficult to

determine if the fees are disclosed properly without this information

Any addenda found in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only Payments,
Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on
early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step Rate, is Adjustable
Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;· The Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;· Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;· Other Considerations Section is complete

&nbsp;&nbsp;&nbsp;&nbsp;4. Written List of Providers ("WLSP")

If the lender places fees in the Services You Can Shop For category, verify that the file contains a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must include at least one available provider for each service and state the consumer may choose a different provider for that service. If a written list of service providers is not provided, the fees will be treated as a 10% Tolerance fee but a finding for missing service provider list will be noted. If a written list of service providers is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee but a finding for a service provider list being provided outside of three (3) days from application will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;5. Variance tests

Utilize one (1) of the following Variance Categories in performing variance tests:

**Zero Tolerance/Variance\*** - A finding will be cited if any charges increase from the Binding LE to the Final CD without COC or BRC. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;· Fees paid to the lender, broker
or an affiliate of either lender or broker [fees paid to an affiliate of the lender for services NOT required by the creditor are not
subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;· Fees paid to an unaffiliated third party if the lender
did not permit the borrower to shop for servicer; and

&nbsp;&nbsp;&nbsp;&nbsp;· Transfer taxes.

&nbsp;&nbsp;&nbsp;&nbsp;· Lender Credits

Any fees that increase on the CD and are paid at closing by someone other than the borrower (e.g. seller or other third party) should be treated as borrower-paid for purposes of the tolerance calculations in 12 CFR § 1026.19(e)(3)(i) – (iii). For example, if a $500 appraisal fee (for which the borrower could not shop) was disclosed on the LE as paid by the borrower or in part by the seller, and the fee subsequently increases to $750 on the CD, the $250 increase must be considered, and a tolerance refund of $250 will be due to the borrower unless the increase had been re-disclosed subject to a valid changed circumstance. However, if a fee is not disclosed on the LE, or only the portion that is borrower-paid is disclosed on the LE, there is no tolerance violation (a) if there is evidence in the file to show that the fee was intended to be paid by the seller in full or in part (e.g. fee is addressed in the purchase contract and the amount to be paid by the seller on the CD corresponds with the contract) or (b) if the fee is known to be a fee that is the responsibility of the seller (i.e. a transfer tax in which local law/regulation provides that the seller is responsible for the fee). Fees paid by the lender should be reviewed for compliance with 12 CFR § 1026.19(e)(3)(i) (i.e. fees that increase and are subject to an increased lender credit do not constitute a violation, but a decreased lender credit that was not re-disclosed subject to a valid changed circumstance is a violation and will require a refund).

**10% Tolerance/Variance\*** – A finding will be cited if the aggregate of the charges increase by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;· Recording fees; and

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for third party services
not paid to creditor or affiliate AND borrower permitted to shop for service but selects a provider on the creditor's Written List
of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid mortgage insurance
will be treated as a 10% tolerance fee if it can be shopped for (and not identified as an affiliate), otherwise it will be treated as
a zero tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;· Client
considers seller-paid fees or fees paid by third-parties as borrower-paid for the purposes of tolerance calculations in 12 CFR §1026.19(e)(3)(i)
– (iii) as detailed in section (5) Variance tests (v)

No Tolerance/Unlimited – No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid interest;

&nbsp;&nbsp;&nbsp;&nbsp;· Property insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;· Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for services required
by the creditor but the borrower is permitted to shop for and borrower selects a third party provider not on the lender's Written
Service Provider List; and

&nbsp;&nbsp;&nbsp;&nbsp;· Charges for third party services NOT required by the creditor
(even if paid to an affiliate of the creditor).

**Notes of interest for "No Tolerance/Unlimited":** No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of the disclosure (disclosed in good faith),

&nbsp;&nbsp;&nbsp;&nbsp;· Prepaid
property taxes charged by local and state governments periodically will have no tolerance under the general 'best information reasonably
available' standard unless otherwise instructed by the Client.

&nbsp;&nbsp;&nbsp;&nbsp;· As noted above, Wipro
 Opus will review the loan file for evidence the disclosure was not made in "Good Faith". "Good faith" means the creditor made the estimate
based on the information reasonably available to them at the time the LE was provided. Absent such evidence, Wipro Opus will consider
the disclosures made in "good faith". Two examples where a disclosure would be considered not made in "good faith"
and a finding cited are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The creditor requires homeowner's
insurance but fails to include a homeowner's insurance premium; a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The creditor knows the loan
must close on the 15th of the month but estimates prepaid interest to be paid from the 30th of that month, a finding will be added that
the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;· Review for documentation itemizing
fees from the Binding LE to determine unrounded amounts of fees to use for performing tolerance testing only if a tolerance violation
occurs. If no fee itemization is found, tolerance testing will be performed based on the information in the disclosures and a tolerance
violation will be noted if applicable. Utilize fee information from closing instructions or a vendor compliance report, if the file contains
the referenced support documentation.

Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change is related to the COC or BRC.

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with no Interim
LE and no COC or BRC occurring four (4) days prior to consummation, fees and charges on the CD are tested for compliance with permitted
variances against fees disclosed on Initial LE.

&nbsp;&nbsp;&nbsp;&nbsp;· For loans with an Interim LE, the following procedures
will be applied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Review of each Interim LE
and fees and charges on the CD are tested for compliance with variance thresholds against fees supported by a valid COC or BRC related
to the charge that increases

&nbsp;&nbsp;&nbsp;&nbsp;· In cases where an Interim
LE is issued with several fee increases, but only some are supported by or related to a valid COC or BRC, those fees which are not supported
by or related to a valid COC, BRC or disclosed on an LE that was not provided timely (within three (3) business days of changed circumstance)
will be tested for variance using the amounts disclosed in the Initial LE previously valid LE.

**Closing disclosure (″CD″)**

&nbsp;&nbsp;&nbsp;&nbsp;· Wipro Opus will conduct a general CD review and verify
the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Recommendation: Closing Disclosure
provided at closing be marked "Final." Although this is not a requirement, marking the Closing Disclosure as Final will ensure
a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;· That the correct form is used and all sections of the CD
are completed (no blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;· Acknowledgement of receipt
by all borrowers with a right to rescind under 1026.23 by verifying that each borrower with a right to rescind was provided with a copy
of the CD. This could include the non-borrowing spouse. Acknowledgement is based on lender guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· If the CD does not contain
a signature line for the consumer's signature, Wipro Opus will look for the required alternative statement in "Other Disclosures"
with the heading of "Loan Acceptance". While not required, Wipro Opus highly recommends that the client require the CD to
be signed and dated by the consumer as it will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;· If a subsequent CD is issued
having changes to (a) the loan product which affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or
(c) an APR which exceeds the previously disclosed APR by more than 1/8 or <sup>1</sup>/<sub>4</sub> of one percent on regular or irregular
transactions, as the case may be for accuracy. Consultant will test that the borrower was given an additional three (3)-business day waiting
period from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the APR, and that
the final pre-close CD has been received by borrower by consummation. APR reductions beyond these tolerances require the additional 3
day waiting period unless the overstated APR was based on an overestimated finance charge.

&nbsp;&nbsp;&nbsp;&nbsp;· On the interim and final pre-close CDs the following checks
and limitations apply:

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of the technical
formatting of the CD is out of scope in the standard review. The formatting of the document is the responsibility of the document preparation
source.

&nbsp;&nbsp;&nbsp;&nbsp;· Closing, Transaction and Loan Information sections have
been completed with accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan terms sections are completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Wipro Opus will verify loan term, purpose, and product
descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Wipro Opus will verify all applicants applying for credit,
as disclosed on the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments and Estimated Taxes, Insurance &
Assessments sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Fees have been disclosed
properly (alphabetically, correct buckets and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;· Any addenda found in file
listing ADDITIONAL fees for sections other than Section C (Services You Can Shop For) is completed properly.

&nbsp;&nbsp;&nbsp;&nbsp;· Calculating Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Summaries of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Disclosures section complete:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o CD Assumption, Demand Feature,
Negative Amortization, and Partial Payments sections completed properly (at least and only one box selected).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Late Payment completed properly (terms disclosed and accurate
per note).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Escrow Amount section completed properly (only one box
selected and amounts disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Escrow Property Costs over
Year 1 to be calculated per the payments scheduled to be made in a 1 year period after consummation (1026.38)(I)(7)(i)(A)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Non-Escrowed
Property Costs over 1 Year to be calculated using either 11 or 12 months as determined by client. (1026.38)(I)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;· If Interest Only, Optional
Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· If ARM or Step, is Adjustable Interest Rate (″AIR″)
Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Calculations section complete and accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Total of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Include
fees in section A, B, and C that are paid by the borrower as well as the seller or other if those fees are customarily paid by the borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Capture amounts disclosed
in Loan Calculations section and test for TILA tolerance violations on disclosed APR and Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Total Interest Percentage (TIP) accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other Disclosures section complete with at least one choice
selected as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review for the creditor's
selection of one of the two options in the Liability After Foreclosure section, but will not make an independent judgment whether or not
the selection is correct for the property state. Only issue a condition if either no selection is made or if both selections are made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Contact Information section
is complete with information from each party of the transaction provided as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Rounding rules verified as
per 1026.38(t)(4). Rounding on all percentages except APR is percentages should be truncated so that a zero is not disclosed in the last
decimal place (7.250 should be rounded to 7.25).

**TRID Method of Receipt Of LE And CD**

Determine the method of receipt of the revised LE and CD and perform a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;· In Person: borrower signature date is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - No Receipt Confirmation
in File: three (3) business days from later of document issue date or proof of e-delivery date is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - With Receipt Confirmation in File, date of
receipt confirmation is used.

&nbsp;&nbsp;&nbsp;&nbsp;· Electronic\* - Delivery confirmation of an email, assuming
the borrower(s) have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;· Mail (USPS or other parcel
delivery service) – No Receipt Confirmation in File: three (3) business days from later of document issue date or proof of mailing
date is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt
by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the
receipt requirements.

Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

\*NOTE: If disclosures are sent electronically, a finding will be cited if there is no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.

**Other Recommended TRID Compliance Tests**

Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015

CFPB Amendments:

&nbsp;&nbsp;&nbsp;&nbsp;· Use of TRID forms prior to
TRID effective date: a finding will be cited if the new TRID forms are utilized on a loan with an application received prior to the October
3, 2015 effective date.

&nbsp;&nbsp;&nbsp;&nbsp;· Use of TRID forms on loans
not covered by TRID: a finding will be cited if the new TRID forms are utilized on loans not covered by TRID (i.e., HELOC, i.e. reverse
mortgages, i.e. Chattel Dwelling loans (loans on mobile homes that are not also secured by the underlying real property or loans on houseboats).

&nbsp;&nbsp;&nbsp;&nbsp;· Your Home Loan Toolkit: a
finding will be cited if the new Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed in the mail is not
in the file or was not provided to the borrower within three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;· Consummation Date: Consummation
varies by applicable state law and the term is not often clearly defined. Accordingly, generally use the notary date. If there are multiple
borrowers and they do not all sign the documents on the same day, then use the latest signature date.

&nbsp;&nbsp;&nbsp;&nbsp;· Post-Consummation Disclosures:
TRID review scope will not include testing for compliance with the following post-consummation disclosures under TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Escrow Closing Notice; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Mortgage servicing transfer and partial payment notices.

**Subsequent Changes After Consummation**

The following prescribed cures as set forth in section 1026.19 (f)(2)(iii) through (v) are acceptable for changes and corrections to the

Final CD after consummation.

1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· If within 30 days of consummation,
an event in connection with the settlement of the transaction occurs that causes the final CD to become inaccurate and such inaccuracy
results in a change to an amount actually paid by the borrower(s) from the amount disclosed, test for evidence that a new, corrected CD
is delivered or placed in the mail to the borrower within thirty (30) days of receiving information that an event occurred.

1026.19(f)(2)(iv) – Changes due to clerical errors.

&nbsp;&nbsp;&nbsp;&nbsp;· Non-numeric clerical errors,
for the purpose of this scope document are any error not related to a disclosed dollar amount or percentage. Test for evidence a new,
corrected CD is delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation. Examples of non-numeric
clerical errors include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the closing information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the transaction information section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to loan id # or MIC #.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to non-numeric identifiers in the Estimated
Taxes, Insurance & Assessments section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the fee labels and/or order of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the location of the fee(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to missing cure language.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the "Did This Change" section
of Calculating Cash to Close.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Loan Disclosures section

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to non-numeric items in the Escrow Account
section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Other Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Corrections to the Contact Information section.

&nbsp;&nbsp;&nbsp;&nbsp;· 1026.19(f)(2)(v) – Refunds related to the good faith
analysis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Test for evidence such as
a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed in the mail to the borrower within sixty
(60) calendar days of consummation.

A post-consummation CD is understood to be a re-issued CD with a Date Issued represented as the date the post-consummation CD was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation CD noted in the prescribed cures above.

Errors on LE's and Interim CD's and numeric errors on final CD's do not have prescribed cures as per the regulation and therefore will not be reported as having been cured. The assessment of risk and decision to accept a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to
10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure
form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer
Disclosure was provided to the borrower(s) within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet
(for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file
for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three
general business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the
Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business
Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided
within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates
for provision of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement
in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided
at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided
the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure
requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has
provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained
in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Wipro Opus uses the following test:
Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing
time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived
the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days
prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation.
Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has
provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by
12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided
before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the
credit score disclosure, confirm the disclosure was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has
provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before
consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. §
23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code
§ 4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin.
Code §4995 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act, Colo, Rev. Stat.
§ 5-3.5-101 et seq..

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn.
Stat. Ann. §36a- 746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home
Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home
Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078
et seq. (for loans closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· Georgia Fair Lending Act,
Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code §
26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin.
Code §345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan
Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January
10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois Predatory Lending Database Program, Public Act
95-0691 (SB 1167).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Chicago, Illinois,
Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance,
Cook County Code of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program,
Illinois House Bill 4050 (2005).

&nbsp;&nbsp;&nbsp;&nbsp;· Indiana Home Loan Practices Act, as amended by HB 1179
(2005), Ind. Code §24-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code,
Kan. Stat. Ann. §16a.101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat.
§ 360.100 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer
Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§
8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code
- Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended
from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§
12-124.1; 12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs.
 §§ <u>09.03.06.01</u> et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts
32 and 40, as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Pr <u>edat</u> ory Home Loan Practices Act,
M.G.L. Chapter 183C, §§ 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard,
M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940
CMR §800 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans,
209 CMR §§ 32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L.
Chapter 184, §17B.5.

&nbsp;&nbsp;&nbsp;&nbsp;· Michigan Consumer Mortgage Protection Act, Mich. Stat.
Ann. § 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator
and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act,
Neb. Stat § 45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending
Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home O <u>wne</u> rship Security Act of 2002,
NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection
Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part
41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626.,
as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law §
6-m.

&nbsp;&nbsp;&nbsp;&nbsp;· North Carolina Anti-Predatory
Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat.
§§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending
Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Consumer Sales Practices
Act, Ohio Rev. Code Ann. § 1345.01, as imple <u>men</u> ted
by Ohio Admin. Rules § 109 4-3-01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights,
Ohio, Anti-Predatory Lending Ordinance, Ordi <u>nan</u> ce
No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordi <u>nance,</u> Ordinance No. 2004- 618, Muni. Code §§
201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending
Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin.
Code §§ 160:45-9- 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons.
Stat. Ann. § 456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection
Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and
amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending
Ordinance, Chapter 2006-33, Ordinance No. 245.

&nbsp;&nbsp;&nbsp;&nbsp;· South Carolina High-Cost and Consumer Home Loans Act, S.C.
Code § 37-23-10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006),
as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. §
343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah Residential Mortgage Practices Amendments, Utah Code
Ann. § 61-2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah High-Cost Home Loan Act, Utah Code § 61-2d-101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont Interest Act, 9 V.S.A. § 104, implemented
by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated
prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated
on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and
Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008
(uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender, Broker and Servicer
Act, W.Va. Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis.
Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business,
commercial or agricultural purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate
position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate
is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other
applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The
premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal

misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature
consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate
the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential
issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file
documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review
for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review
of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the
loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools:
To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed
and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory
completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be
made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same,
have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal
was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing
the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP")
or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews
for the purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;· Wipro Opus makes no representation
or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;· Wipro Opus is not an Appraisal
Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;· Wipro Opus is not a creditor within the meaning of the
Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Wipro Opus will not have and communications
with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an

exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Wipro Opus Grading Criteria**

1) Wipro Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Wipro Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Wipro Opus and updated from time to time shall be determined as follows:

**Wipro Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition:
Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level
2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient
compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level
3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are
insufficient compensating factors for the exceptions or is missing material documentation.

**Wipro Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition:
Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition:
Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level
3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies
exist with respect to the appraisal process or the file is missing material documentation.

**Wipro Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level
1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition:
There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the
borrower's obligation under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance
with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan
Number

&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including
City, County, MSA and Zip

&nbsp;&nbsp;&nbsp;&nbsp;· Any Phone Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow
the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

&nbsp;&nbsp;&nbsp;&nbsp;· Driver's License Numbers

&nbsp;&nbsp;&nbsp;&nbsp;· Email Addresses

**DSCR Loan Review**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:**

&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review
and confirm borrower's liquidity position adheres to Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or owner of
the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm management experience
meets Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm
the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the
organization has the authority to bind the entity (if applicable documents are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting
Guidelines per Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm
the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property
and Market Requirements are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of
DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting

Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm
Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm
each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review and confirm first lien holder position,
validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness
of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence
of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client
provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In
the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent
or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When
Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the
loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters
are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify
the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing
parties contributing income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify
the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify
that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under
the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify
the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of
the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;· No
 compliance testing for the DSCR review.

<u>Pool Details</u>

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Loan Type** | &nbsp;&nbsp;**Loan Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of pool |
| &nbsp;&nbsp;Non-Conforming | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Conforming-GSE Eligible | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Interest Rate** |
| &nbsp;&nbsp;Type | Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;5.000 - 5.499 | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;5.500 - 5.999 | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;6.000 - 6.499 | 1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;6.500 - 6.999 | 1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;7.000 - 7.499 | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;7.500 - 7.999 | 1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;8.000 - 8.499 | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;8.500 - 8.999 | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;9.000 - 9.499 | 0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | **3** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| &nbsp;&nbsp;Type | Count | % of Pool |
| &nbsp;&nbsp;Cash out Refi | 1 | 33.33% |
| &nbsp;&nbsp;Purchase | 2 | 66.67% |
| &nbsp;&nbsp;Rate / Term Refi | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **DTI** | **DTI** | **DTI** |
| &nbsp;&nbsp;Type | Count | % of Pool |
| &nbsp;&nbsp;0.00-20.00 | 2 | 66.67% |
| &nbsp;&nbsp;20.01-30.00 | 0 | 0.00% |
| &nbsp;&nbsp;30.01-40.00 | 0 | 0.00% |
| &nbsp;&nbsp;40.01-45.00 | 1 | 33.33% |
| &nbsp;&nbsp;45.01-50.00 | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Product Type** | **Product Type** | **Product Type** |
| &nbsp;&nbsp;Type | Count | % of Pool |
| &nbsp;&nbsp;Fixed | 1 | 33.33% |
| &nbsp;&nbsp;ARM | 2 | 66.67% |
| &nbsp;&nbsp;**Total** | **3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| &nbsp;&nbsp;Type | Count | % of Pool |
| &nbsp;&nbsp;Primary Residence | 2 | 66.67% |
| &nbsp;&nbsp;Second Home | 0 | 0.00% |
| &nbsp;&nbsp;Investment Property | 1 | 33.33% |
| &nbsp;&nbsp;**Total** | **3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp; Type | Count | % of Pool |
| &nbsp;&nbsp;Single Family Detached | 2 | 66.67% |
| &nbsp;&nbsp;Co-op | 0 | 0.00% |
| &nbsp;&nbsp;Condo, Low Rise | 0 | 0.00% |
| &nbsp;&nbsp;Condo, High Rise | 0 | 0.00% |
| &nbsp;&nbsp;PUD | 1 | 33.33% |
| &nbsp;&nbsp;1 Family Attached | 0 | 0.00% |
| &nbsp;&nbsp;2 Family | 0 | 0.00% |
| &nbsp;&nbsp;3 Family | 0 | 0.00% |
| &nbsp;&nbsp;4 Family | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**LTV** |
| &nbsp;&nbsp;Type | Count | % of Pool |
| &nbsp;&nbsp; 0.00-30.00 | 1 | 33.33% |
| &nbsp;&nbsp; 30.01-40.00 | 0 | 0.00% |
| &nbsp;&nbsp;40.01-50.00 | 0 | 0.00% |
| &nbsp;&nbsp;50.01-60.00 | 1 | 33.33% |
| &nbsp;&nbsp;60.01-70.00 | 1 | 33.33% |
| &nbsp;&nbsp;70.01-80.00 | 0 | 0.00% |
| &nbsp;&nbsp;80.01-90.00 | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **3** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **QM Type** | **QM Type** | **QM Type** |
| Type | Count | % of Pool |
| Non-QM | 1 | 33.33% |
| QM: Safe Harbor APOR | 1 | 33.33% |
| QM: HPML | 0 | 0.00% |
| ATR/QM: Exempt | 1 | 33.33% |
| **Total** | **3** | **100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| &nbsp;&nbsp;Property City | 1 | 66.67% |
| &nbsp;&nbsp;Property Type | 1 | 66.67% |
| &nbsp;&nbsp;Qualifying LTV | 2 | 33.33% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | 1 | 66.67% |
| &nbsp;&nbsp;**Total Loan Population** | **3** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | Moody's | Fitch | Kroll | DBRS | &nbsp;&nbsp;Definition |
| A | A | A | A | A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| B | B | B | B | B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| C | C | C | C | C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| D | D | D | D | D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | Definition |
| A | A | A | A | The loan was originated in compliance with applicable federal, <br> state, and local predatory and high cost, TILA, and Regulation Z <br> laws and regulations |
| B | B | B | B | The loan was originated in compliance with applicable federal, <br> state, and local predatory and high cost, TILA, and Regulation Z <br> laws and regulations; however, minor evidentiary issue(s) exist |
| C | C | C | C | The includes material violation(s) with applicable federal, state, <br> and local predatory and high cost, TILA, and Regulation Z laws <br> and regulations |
| D | D | D | D | The loan file is missing critical documentation required to perform<br> the review |

---

---

| | |
|:---|:---|
| Fitch | &nbsp;&nbsp;Definition |
| A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| S&P | &nbsp;&nbsp;Definition |
| A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated November 13, 2025.

**Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 1 | 33.33% |
| B | 2 | 66.67% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 1 | 33.33% |
| B | 2 | 66.67% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Credit Grade Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Property Grade Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Overall Grade Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 1 | 33.33% |
| B | 2 | 66.67% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Compliance Grade Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 1 | 33.33% |
| B | 2 | 66.67% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Credit Grade Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P NRSRO Grade** | **# of <br> Loans** | **% of <br> Loans** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**<u>Loans Reviewed (3)</u>**

1000402627

1000401496

1000402647

If you have any questions, please contact Uriah Clavier at <u>Uriah.Clavier@opuscmc.com</u>

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | **ALT ID** | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| XXXX | 135470 | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No | Not Tested |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 135608 | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.24 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Employed |  | No |  | No |  |
| XXXX | 135551 | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21150.0 | 7.893 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 135470 | XXXX | Property City | notePage | Per Tape | Per Data | Audit Value Pulled From Note. |
| XXXX | 135608 | XXXX | Qualifying LTV | propertyValuationPage | 70 | 66.00 | Audit Value of 1st Lien / Value of $X,XXX.XX. |
| XXXX | 135608 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX | 135551 | XXXX | Qualifying LTV | propertyValuationPage | 52.63 | 52.08 | Audit Value of $X,XXX.XX+ $X,XXX.XX/ Value of $X,XXX.XX. |
| XXXX | 135551 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.21 | 44.45 | Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX.  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 135470 | XXXX | $X,XXX.XX A |
| XXXX | 135608 | XXXX | $X,XXX.XX A B |
| XXXX | 135551 | XXXX | $X,XXX.XX A C B |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **ALT ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | 135608 | XXXX | Closed | 2024-03-12 12:36 | 2024-03-15 09:45 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/15/2024 <br>Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-03/12/2024 |  | Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/15/2024<br>|  |  |  | XX | Primary Residence | Purchase NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 135551 | XXXX | Closed | 2024-03-15 13:37 | 2025-10-13 09:40 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/13/2025 <br> Resolved-Document Uploaded. - Due Diligence Vendor-03/19/2024 <br> Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-03/19/2024 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/15/2024 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-10/13/2025 <br>Resolved-Document Uploaded. - Due Diligence Vendor-03/19/2024 <br>Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-03/19/2024<br>| XXXX_XXX.pdf |  |  | XX | Primary Residence | Purchase NA | XXXX | N/A | N/A |
| XXXX | XXXX | 135551 | XXXX | Closed | 2024-03-15 08:04 | 2024-03-21 16:45 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-Acknowledged by Client.<br> - Due Diligence Vendor-03/21/2024 <br>Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/17/2024 |  | Acknowledged-Acknowledged by Client.<br> - Due Diligence Vendor-03/21/2024<br>|  |  |  | XX | Primary Residence | Purchase NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 135551 | XXXX | Closed | 2024-03-17 12:58 | 2024-03-20 10:14 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Lender rebuttal was reviewed. Audit located the undiscounted/PAR rate within the loan file and applied to testing. Re-ran compliance testing, passed. Condition cleared. - Due Diligence Vendor-03/20/2024 <br> Ready for Review-2% of Discount Points are Bon fide - loan is not failing QM - Seller-03/19/2024 <br> Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$X,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-03/17/2024 | Ready for Review-2% of Discount Points are Bon fide - loan is not failing QM - Seller-03/19/2024<br>| Resolved-Lender rebuttal was reviewed. Audit located the undiscounted/PAR rate within the loan file and applied to testing. Re-ran compliance testing, passed. Condition cleared. - Due Diligence Vendor-03/20/2024<br>|  |  |  | XX | Primary Residence | Purchase NA | XXXX | N/A | N/A |
| XXXX | XXXX | 135551 | XXXX | Closed | 2024-03-19 17:33 | 2024-03-19 17:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-03/19/2024 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-03/19/2024<br>|  |  |  | XX | Primary Residence | Purchase NA | XXXX | Investor Post-Close | No |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ALT ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Original AVM Confidence Score** | **Original AVM FSD** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **Most Recent AVM Confidence Score** | **Most Recent AVM FSD** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 135470 | XXXX | XX/XX/XXXX | $X,XXXXX | 0 | 0 | $X,XXXXX | XX/XX/XXXX | 1004 URAR | $X,XXXXX | 27.68 | 27.68 |  |  | Collateral Underwriter (CU) | $X,XXXXX | $X,XXXXX | XXXX |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 135608 | XXXX | XX/XX/XXXX | $X,XXXXX | $X,XXXXX | 0 | $X,XXXXX | XX/XX/XXXX | 1004 URAR | $X,XXXXX | 70.0 | 70.0 |  |  | Collateral Underwriter (CU) | $X,XXXXX | $X,XXXXX | XXXX |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXX | 135551 | XXXX | XX/XX/XXXX | $X,XXXXX | $X,XXXXX | 0 | $X,XXXXX | XX/XX/XXXX | 1004 URAR | $X,XXXXX | 52.63 | 52.63 |  |  | Loan Collateral Advisor (LCA) | $X,XXXXX | $X,XXXXX | XXXX | Desk Review | $X,XXXXX | $X,XXXXX | XXXX | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXXXX | $X,XXXXX | XXXX | XXXXXXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Not Eligible |  |  |

---

## Exhibit 99.8

**Exhibit 99.8**

![](ex99-8_001.jpg)

**Selene Diligence LLC ("Selene")**

**Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by BM-SC, LLC ("Client"). The review was conducted between June 2024 and August 2024 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 1 Non-QM loans and 1 ATR-QM exempt loans for A total of 2 loans the "Final Securitization Population".

*<u>Credit Reviews (2):</u>*

During the Review, Selene performed a credit review on 2 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (2)</u>*

During the Review, Selene performed a compliance review, when applicable on 2 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (2):</u>*

During the Review, Selene performed a property valuation review on 2 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (2):</u>*

During the Review, Selene performed a Data Integrity Review on 2 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 2 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch") (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Kind Lending Non-Agency Program Guidelines (collectively the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **15**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the mortgage loans and the borrowers
conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine whether funds to close and reserves
were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **15**

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each
received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 2 mortgage loans, (ii) a Compliance Review on 2 mortgage loans (iii) a Valuation Review on 2 mortgage loans, and (iv) a Data Integrity Review on 2 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 2 mortgage loans; 2 mortgage loans had a rating grade of A, 0 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (2 overall loans):***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES -<br> OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES -<br> OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **15**

***<u>Final Grades per loan broken out by compliance, credit and property:</u>***

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - <br> PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - <br> PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |

---

 ****

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **15**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations have
been addressed in the loan file;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality
and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page **9** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

---

| | | |
|:---|:---|:---|
| d) | <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> | <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> |
|  | i) | points and fees threshold test; |
|  | ii) | APR threshold test; |
|  | iii) | prepayment penalty test; and |
|  | iv) | compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage. |
| e) | <u>Higher-priced Mortgage Loan (§1026.35):</u> | <u>Higher-priced Mortgage Loan (§1026.35):</u> |
|  | i) | APR threshold test; and |
|  | ii) | compliance with the escrow account and appraisal requirements. |
| f) | <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> | <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> |
|  | i) | review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; |
|  | ii) | review relevant document to determine if there was dual compensation; and |

---

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

Page **10** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator
 organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan
 contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

---

| | | |
|:---|:---|:---|
| b) | <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> | <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> |
|  | i) | confirm the presence of CD for applications on or after October 3, 2015; |
|  | ii) | confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency; |
|  | iii) | confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD; |
|  | iv) | confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate; |
|  | v) | identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and |
|  | vi) | with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time. |

---

Page **11** of **15**

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **15**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License Registered Depository Institution
 Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

Page **13** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;69. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI Responsible High Cost Mortgage Lending Act

Page **14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed
valuation information for reasonableness.

o Selene is not an
 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying
 property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will
not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.8

**Exhibit 99.8 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxx2557 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx2557 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7833 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7833 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx7833 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx7833 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxxxxx2557 |  | XXXX | XXXX C A |
| xxxxxx7833 |  | XXXX | XXXX A C |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxxxxx2557 |  |  | Closed | 2024-06-12 09:59 | 2024-06-30 22:46 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Resolved- Updated supporting document I/O note document now DSCR is Above 1 (1.040). - Due Diligence Vendor-07/01/2024 <br> Ready for Review-Document Uploaded. I/O note - Seller-06/27/2024 <br> Open-calculated DSCR of .94 looks to be based upon IO numbers, however Note in file is fixed. - Due Diligence Vendor-06/12/2024 | Ready for Review-Document Uploaded. I/O note - Seller-06/27/2024<br>| Resolved-Resolved- Updated supporting document I/O note document now DSCR is Above 1 (1.040). - Due Diligence Vendor-07/01/2024<br>| XXXX |  |  | GA | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | xxxxxx7833 |  |  | Closed | 2024-08-05 01:31 | 2024-08-09 05:36 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-LCA dated XXXX provided and updated. - Due Diligence Vendor-08/09/2024 <br> Ready for Review-Document Uploaded. Transferred appraisal so the one we sent was just putting the SSR under us as a lender - Seller-08/08/2024 <br> Counter-Note date is XXXX LCA is date post closing. CDA/Desk review required - Due Diligence Vendor-08/07/2024 <br> Ready for Review-Document Uploaded. SSR - Seller-08/06/2024 <br> Open-Request to provide Secondary Valuation or Additional Valuation (with acceptable variance to Primary) per guideline requirements, available CU on page 152 is not for subject property. - Due Diligence Vendor-08/05/2024 | Ready for Review-Document Uploaded. Transferred appraisal so the one we sent was just putting the SSR under us as a lender - Seller-08/08/2024 <br>Ready for Review-Document Uploaded. SSR - Seller-08/06/2024<br>| Resolved-LCA dated 07/09 provided and updated. - Due Diligence Vendor-08/09/2024<br>| XXXX |  |  | KY | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | xxxxxx7833 |  |  | Closed | 2024-08-05 01:27 | 2024-08-05 13:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-08/05/2024 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.25) were applied to the total fee variance of ($0.49) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Request to provide COC for Lender Credits Increase (0.25) from Loan Estimate $5,156 to Initial CD $5,156.25. - Due Diligence Vendor-08/05/2024 |  | Resolved- - Due Diligence Vendor-08/05/2024<br>|  |  |  | KY | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | xxxxxx7833 |  |  | Closed | 2024-08-05 13:36 | 2024-08-05 13:39 | Resolved | 1 - Information C A | Compliance | Mavent | Insufficient Tolerance Cure (50001026) | Resolved- - Due Diligence Vendor-08/05/2024 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.25) were applied to the total fee variance of ($0.49) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-08/05/2024 |  | Resolved- - Due Diligence Vendor-08/05/2024<br>|  |  |  | KY | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | xxxxxx7833 |  |  | Closed | 2024-08-05 01:27 | 2024-08-05 13:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 247 and the Final Closing disclosure on Pg 652.94, Finding reflects escrows. Rate lock date was entered correctly – see Pg 380. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg 16-19, and confirmation the appraisal was delivered to the borrower – see Pg 16-19. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/05/2024 <br> Open-. - Due Diligence Vendor-08/05/2024 <br> Resolved-The loan's (10.522%) APR equals or exceeds the Federal HPML threshold of (8.4%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 247 and the Final Closing disclosure on Pg 652.94, Finding reflects escrows. Rate lock date was entered correctly – see Pg 380. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg 16-19, and confirmation the appraisal was delivered to the borrower – see Pg 16-19. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/05/2024 |  | Resolved-Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 247 and the Final Closing disclosure on Pg 652.94, Finding reflects escrows. Rate lock date was entered correctly – see Pg 380. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg 16-19, and confirmation the appraisal was delivered to the borrower – see Pg 16-19. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/05/2024 <br> Resolved-The loan's (10.522%) APR equals or exceeds the Federal HPML threshold of (8.4%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 247 and the Final Closing disclosure on Pg 652.94, Finding reflects escrows. Rate lock date was entered correctly – see Pg 380. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg 16-19, and confirmation the appraisal was delivered to the borrower – see Pg 16-19. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/05/2024 |  |  |  | KY | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxxx2557 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| xxxxxx7833 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  |  |

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